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Sharing success for over 80 years

Our story began in 1939 when 15 teachers founded our credit union in Phoenix, Arizona. Our growth transformed us into a statewide financial and community partner with a passion to help and give back. As a member, you can expect better banking experiences, financial solutions that make lives better and Random Acts of Kindness across Arizona. We invite the Prescott community to be a part of our mission of sharing success!

Experience Better Banking in Prescott.

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Easy-to-use Online Banking

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4.8-star-rated Mobile App

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CO-OP Network of Nearly 30,000 ATMs


Our Free Checking1 is really, actually, honestly free! No monthly fees. No minimum balance. No hassles.

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

How it Works

Members who have the strongest relationship with us are rewarded with an annual cashback bonus.2 We gave back $25 million in just three years!

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Giving Back

Be part of something bigger — a movement of spreading kindness and sharing success in the community. Your membership enables us to give even more!

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Life is Busy. You Have Your Hands Full.

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

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Get an annual cash bonus2

AND the chance to win a sweepstakes

AND $100 for referring a friend3

AND up to $500 for refinancing your car4

AND $500 for closing costs on a home5

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Open an account online

AND apply for a loan online

AND use online banking and our mobile app

AND set up voice banking

AND have access to a network of nearly 30,000 ATMs

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Support Random Acts of Kindness

AND join the #KindnessRevolution

AND celebrate Arizona teachers

AND help share success

AND give back just by banking with us!

Get Free Checking

What Desert Financial Offers

We have the same great products that the Big Banks have, plus friendly service, member perks and MORE!

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News & Knowledge Center

Boost your financial know-how with articles, infographics and videos to help you manage your money and reach your goals.

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Federally insured by NCUA /Equal Housing Lender

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.

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.

4The cash back is paid based on 1% of the total loan amount ($10,000 minimum), not including any additional loan dollars toward ancillary products (Guaranteed Asset Protection [GAP], Mechanical Breakdown Protection [MBP]). The cash back will be deposited into your Desert Financial savings account within one business day of the loan funding. Maximum cash back amount is $500. Cash back amounts are subject to all applicable taxes and are the responsibility of the member. Offer is available for the refinancing of non-Desert Financial auto loans only and is valid for a limited time only.

5Participation in the Real Estate Broker Program is voluntary. Desert Financial Credit Union and its subsidiary Define Mortgage Solutions LLC do not receive any benefit, monetary or otherwise, from the Participating Broker under this program. Participating Brokers are non-affiliated third parties of Define Mortgage Solutions LLC and Define Mortgage Solutions LLC makes no warranties or representations about the services provided by Participating Brokers. To participate in this program, the member does not have to finance mortgage loan through Define Mortgage Solutions LLC. For full program details, see the Real Estate Broker Program Member Notice Acknowledgement.

6Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Securities offered through Raymond James Financial Services, Inc., Member FINRA / SIPC | Legal Disclosures | Privacy Policy | Terms of Use