A happy man using his Desert Financial mobile banking app on his smartphone in front of a yellow background.

Your money, your way

Empower your finances with Free Checking,¹ savings, digital banking and more.

Sign up in minutes

Choose your own financial adventure!

I want to...

Be free from monthly fees and minimum balances

Access my accounts 24/7 with digital banking

Grow my money over time with a great rate

Plan for retirement

Save for a vacation or big purchase

Get flexible access and earn higher dividends on my money

Get all the benefits of being a member

Free Checking

You shouldn’t have to pay to spend your own hard-earned money.

Get Free Checking

Top-rated digital banking

Access your finances 24/7 with our mobile app and Online Banking.

Go digital

Savings accounts

Get competitive interest rates for whatever you’re saving for.

Explore savings options

Giving back

Be part of a local movement of sharing success and changing lives.

Show me more

Member Service

Personalized service for your unique needs.

Become a member

History of stability

We’ve been serving Arizona communities for more than 85 years.

Tell me more

Open my account now

A cozy family moment in their bright living room, with the father, mother, and daughter reading a book together on the couch. The mother holds the book while the young girl eagerly reaches for it.

Get more with Relationship Rewards

Relationship Rewards is a free program you're automatically enrolled in when you become a member. You earn points for doing various banking activities with us — and every point can help you level up! The higher your Relationship Rewards level, the more benefits you get.

Tell me more