Why Choose Desert Financial Credit Union

SHARING SUCCESS WITH YOU

Banking begins with what matters most.

At Desert Financial, we’re financial experts, helpers and givers committed to our members, our community and our team. It’s our passion to create exceptional experiences by giving back and providing excellent financial solutions that make lives better. We call this sharing success!

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Our hassle-free Free Checking1 is really, actually, honestly free! There are no monthly fees, no minimum balance and no hassles.

RELATIONSHIP REWARDS

As part of our free rewards program, members who do more, get more! Earn points and level up to get the best benefits.

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Members who have the strongest relationship with us are rewarded with an annual cashback bonus. We’ve given $25 million over the last three years!

Giving Back

Become a difference maker in the community! You’ll become a part of a local movement of sharing success and changing lives.

FREE CHECKING & MORE


LIFE IS BUSY. YOU HAVE YOUR HANDS FULL.

But with Desert Financial, they’re full of cash, convenience, community & MORE.

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CASH BACK

Get an annual cash bonus2 & the chance to win a sweepstakes & $100 for referring a friend3 & MORE!

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Convenience

Open an account online & use online banking & the mobile app & voice banking with Alexa and Google Assistant & MORE!

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Community

Support Random Acts of Kindness & join the #KindnessRevolution & celebrate local teachers & MORE!

MEMBER STORIES


We have four generations that now are members of the credit union, and that’s trust. They treat you like a person. You’re not a number, you’re a person.
— Brian C.
Thanks to the credit union, we’re able to make our dream come true. The credit union had our back when we needed a home.
— Juan & Letcia

Your lifetime financial partner

Desert Financial has been sharing success for over 80 years! In 1939, fifteen Arizona educators started the credit union, and our founders’ values and core belief of sharing success remain true today.

Get to know more about your local financial institution and how we focus on what matters most for our members, our community and our team. It’s about more than money, it’s about meaningful experiences. You can trust us with building your best financial future!

Make sure to learn more about our products, services and member eligibility requirements. It’s easy to become a member!

1Primary account holder must be 18 years or older and meet Desert Financial’s membership eligibility and credit qualification requirements, including opening a Membership Savings account with a minimum balance of $25. Checking is free; however, fees incurred – such as a stop payment or NSF fee – will apply. For complete terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures booklet.

2Must be a Rewards Member or Rewards+ Member for a minimum of six months per calendar year to be eligible for annual cash bonus (“Member Giveback Bonus”). Additional restrictions apply. See Statements of Terms, Conditions, and Disclosures for full details.

3Refer-A-Friend cash bonus offer valid for a limited time only. New member must present completed Referral Form at time of account opening and establish a Membership Savings and Checking account. New members cannot have any existing accounts (primary or joint owner) within the last 12 months. Member and referee cannot begin credit union membership on the same business day.

Account Opening Criteria: Primary account holder must be 18 years or older and meet Desert Financial’s membership eligibility and credit qualification requirements, including opening a Membership Savings account with a minimum balance of $25. Checking account is free; however, fees incurred — such as a stop payment or NSF fee — will apply. For complete terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures booklet.

Cash Bonus Criteria: To receive the cash bonus, the new checking account must meet the following criteria within the first 90 days: 1. Minimum of 30 posted transactions and 2. Establish direct deposit. 3. Must be open and cannot be delinquent (more than 30 days) at time of bonus payment. Bonus will be deposited into the qualifying Checking and referring member’s account within 10 business days in the month following the end of the first 90-day period if qualifications are met. Referring member must have an open and active share account at time of bonus payment and be at least 18 years of age. Employees of Desert Financial Credit Union, its subsidiaries, affiliates, or agencies and their immediate family (including spouse, parents, siblings, children, grandparents or grandchildren) are not eligible for bonus offer. Bonus amounts are subject to all applicable taxes and the responsibility of the member. Bonus cannot be combined with any other account opening offer. Referrals limited to five per member. Terms and conditions subject to change without notice.