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Today's rates

Recreational Loans
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Mortgage Loans
See current rates
Mortgage Refi
See current rates
Personal Unsecured Loans
See current rates

Auto Loans

Rates valid on {current-date}.

Apply for an Auto Purchase Loan Apply for an Auto Refi

Product Type

New Auto

APR As Low As¹

7.34%

Product Type

Used Auto

APR As Low As¹

7.34%

Product Type

Auto Refinance

APR As Low As¹

7.34%

Learn more

Disclosures

1APR accurate as of {current-date}. Actual Annual Percentage Rate (APR) dependent upon borrower(s) credit qualifications. Additional rate discounts may apply.

Recreational Loans

Product Name

Marine

APR As Low As¹

9.25%

Product Name

Motorcyles/ATVs

APR As Low As¹

12.50%

Product Name

Recreational Vehicles

APR As Low As¹

9.25%

Learn more

Disclosures

1APR accurate as of {current-date}. Actual Annual Percentage Rate (APR) dependent upon borrower(s) credit qualifications. Additional rate discounts may apply.

Home Equity Line of Credit

Rates valid on {current-date}.

Apply for a Home Equity Line of Credit

Rate Description

Home Equity Line of Credit - First 12-month Promo Rate (fixed)

Term

10-year draw period; 20-year repayment term

APR As Low As¹

5.99%

Rate Description

Home Equity Line of Credit - After first 12 months (variable)

Term

10-year draw period; 20-year repayment term

APR As Low As¹

9.00%

Rate Description

Home Equity Line of Credit - Fixed Rate Option

Term

12 to 60 months

APR As Low As¹

8.00%

Rate Description

Home Equity Line of Credit - Fixed Rate Option

Term

61 to 120 months

APR As Low As¹

8.125%

Rate Description

Home Equity Line of Credit - Fixed Rate Option

Term

121 to 180 months

APR As Low As¹

8.25%

Rate Description

Home Equity Line of Credit - Fixed Rate Option

Term

181 to 240 months

APR As Low As¹

8.375%

Rate Description

Home Equity Line of Credit - Fixed Rate Option

Term

241 to 360 months

APR As Low As¹

8.50%

Learn more

Disclosures

1APR accurate as of {current-date}. Promotional Annual Percentage Rate (APR) applies only to new HELOCs with a minimum loan amount of $10,000 and a maximum loan-to-value (LTV) of 80%. $50 annual fee applies; waived for Rewards+ members. See Statements of Terms, Conditions, and Disclosures for full Relationship Rewards details. Promotional APR is fixed for initial 12 months of the term. On the first calendar day of the 13th month following loan closing date, APR will convert to the variable rate plan as described in the applicable loan documents. Subsequent APR may vary based on the index rate, plus a margin. Index rate is based on the Prime Rate as published in the Wall Street Journal. On May 4, 2023, that index was 8.25%; resulting APR with a 0.25% margin is 9.00%. APR will never exceed 24.00%. "As low as" rate assumes excellent borrower credit history, loan amount of $75,000 or more, and 60% or less loan-to-value. Alternative rates and terms are available. Actual rates and APRs dependent on credit history, type of product, loan term and loan-to-value (LTV), occupancy and type of collateral. This line has a 10-year draw period. Minimum monthly payment will be principal and interest amortized over a 30-year repayment term.

First Mortgage Rates

Mortgage loans are offered by Define Mortgage Solutions, LLC, NMLS ID #1761612, BK#0949053, a subsidiary of Desert Financial Credit Union.

Rates valid on {current-date}.

Apply for a Mortgage

Mortgage Purchase

15 Year Fixed Rate

Rate

6.50%

APR¹

6.763%

Points

1.125%

Mortgage Purchase

30 Year Fixed Rate

Rate

7.00%

APR¹

7.152%

Points

1.000%

Mortgage Purchase

5/6 ARM

Rate

6.625%

APR¹

7.774%

Points

1.000%

Mortgage Purchase

7/6 ARM

Rate

6.75%

APR¹

7.637%

Points

1.000%

Mortgage Purchase

FHA 30 Year Fixed

Rate

6.625%

APR¹

6.939%

Points

0.875%

Mortgage Purchase

Jumbo 15 Year Fixed Rate

Rate

6.50%

APR¹

6.734%

Points

1.250%

Mortgage Purchase

Jumbo 30 Year Fixed Rate

Rate

6.875%

APR¹

7.008%

Points

1.125%

Mortgage Purchase

Jumbo 5/6 ARM

Rate

6.625%

APR¹

7.743%

Points

1.000%

Mortgage Purchase

Jumbo 7/6 ARM

Rate

6.75%

APR¹

7.606%

Points

1.000%

Learn more

Disclosures

1Rates valid on {current-date}
Fixed & ARM Loans - Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
ARM Loans - The interest rate will be based on the 30-Day Average of the SOFR index as published by the Federal Reserve Bank of New York.

Mortgage Refinance

Mortgage loans are offered by Define Mortgage Solutions, LLC, NMLS ID #1761612, BK#0949053, a subsidiary of Desert Financial Credit Union.

Rates are subject to change without notice.

Apply for a Mortgage

Mortgage Refi

15 Year Fixed Rate

Rates

6.625%

APR

6.869%

Points

1.000%

Mortgage Refi

30 Year Fixed Rate

Rates

7.125%

APR

7.265%

Points

0.875%

Mortgage Refi

5/6 ARM

Rates

6.875%

APR

7.877%

Points

1.000%

Mortgage Refi

7/6 ARM

Rates

7.00%

APR

7.769%

Points

1.000%

Mortgage Refi

FHA 30 Year Fixed

Rates

6.625%

APR

6.939%

Points

0.875%

Mortgage Refi

Jumbo 15 Year Fixed Rate

Rates

6.625%

APR

6.840%

Points

1.125%

Mortgage Refi

Jumbo 30 Year Fixed Rate

Rates

7.00%

APR

7.109%

Points

0.875%

Mortgage Refi

Jumbo 5/6 ARM

Rates

6.75%

APR

7.794%

Points

1.000%

Mortgage Refi

Jumbo 7/6 ARM

Rates

6.875%

APR

7.672%

Points

1.000%

Learn more

Disclosures

1Rates are subject to change without notice.
Fixed & ARM Loans - Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
ARM Loans - The interest rate will be based on the 30-Day Average of the SOFR index as published by the Federal Reserve Bank of New York.

Personal Unsecured Loans

Product Type

Signature Loan (Minimum loan amount of $1,000)

APR As Low As¹

14.00%

Product Type

Variable Rate Line of Credit

APR As Low As¹

17.50%

Learn more

Disclosures

1APR accurate as of {current-date}. Actual Annual Percentage Rate (APR) dependent upon borrower(s) credit qualifications. Additional rate discounts may apply.

Savings Accounts

Rates valid on {current-date}.

Open an account

Product Type

Membership Savings

APY¹

0.10%

Dividend Rate

0.10%

Min. Balance to Earn APY

$25

Product Type

IRA and Health Savings

APY¹

2.75%

Dividend Rate

2.72%

Min. Balance to Earn APY

No minimum

Product Type

Holiday Savings

APY¹

0.10%

Dividend Rate

0.10%

Min. Balance to Earn APY

No minimum

Product Type

Savings

APY¹

0.10%

Dividend Rate

0.10%

Min. Balance to Earn APY

No minimum

Learn more

Disclosures

1Annual Percentage Yield (APY) is accurate as of {current-date}. Rates are subject to change without notice and may change after the account is opened. For complete account terms and conditions, refer to our Statements of Terms, Conditions and Disclosures.

Money Market

Rates valid on {current-date}.

Open an account

Money Market - Balance range to earn APY

$2,000-$9,999

APY¹

1.15%

Dividend Rate

1.14%

Money Market - Balance range to earn APY

$10,000-$24,999

APY¹

1.25%

Dividend Rate

1.24%

Money Market - Balance range to earn APY

$25,000-$49,999

APY¹

1.40%

Dividend Rate

1.39%

Money Market - Balance range to earn APY

$50,000-$99,999

APY¹

2.05%

Dividend Rate

2.03%

Money Market - Balance range to earn APY

$100,000-$249,999

APY¹

2.75%

Dividend Rate

2.72%

Money Market - Balance range to earn APY

$250,000+

APY¹

3.50%

Dividend Rate

3.45%

Learn more

Disclosures

1Annual Percentage Yield (APY) is accurate as of {current-date}. Rates are subject to change without notice and may change after the account is opened. Fees could reduce the earnings on the account. For complete account terms and conditions, refer to our Statements of Terms, Conditions and Disclosures.

Traditional & IRA Savings Certificates

Rates valid on {current-date}.

Term - $1,000 Min. Balance to earn APY

6 Months

APY¹

5.00%

Dividend Rate

4.89%

Term - $1,000 Min. Balance to earn APY

1 Year

APY¹

5.00%

Dividend Rate

4.89%

Term - $1,000 Min. Balance to earn APY

18 Months

APY¹

4.50%

Dividend Rate

4.41%

Term - $1,000 Min. Balance to earn APY

2 Years

APY¹

3.95%

Dividend Rate

3.88%

Term - $1,000 Min. Balance to earn APY

3 Years

APY¹

3.82%

Dividend Rate

3.75%

Term - $1,000 Min. Balance to earn APY

4 Years

APY¹

3.87%

Dividend Rate

3.80%

Term - $1,000 Min. Balance to earn APY

5 Years

APY¹

4.07%

Dividend Rate

4.00%

Learn more

Disclosures

1Annual Percentage Yield (APY) is accurate as of {current-date}. Interest rates and APYs are fixed for the term of the certificate and are determined by the length of the term. Dividends are credited and compounded monthly on the last day of the month. Early withdrawal penalties may apply. Fees could reduce the earnings on the account. For complete account terms and conditions, refer to our Statements of Terms, Conditions and Disclosures.

Jumbo Savings Certificates

Rates valid on {current-date}.

Term - $100,000 Min. Balance to earn APY

6 Months

APY¹

5.00%

Dividend Rate

4.89%

Term - $100,000 Min. Balance to earn APY

1 Year

APY¹

5.00%

Dividend Rate

4.89%

Term - $100,000 Min. Balance to earn APY

18 Months

APY¹

4.55%

Dividend Rate

4.46%

Term - $100,000 Min. Balance to earn APY

2 Years

APY¹

4.00%

Dividend Rate

3.93%

Term - $100,000 Min. Balance to earn APY

3 Years

APY¹

3.87%

Dividend Rate

3.80%

Term - $100,000 Min. Balance to earn APY

4 Years

APY¹

3.92%

Dividend Rate

3.85%

Term - $100,000 Min. Balance to earn APY

5 Years

APY¹

4.13%

Dividend Rate

4.05%

Learn more

Disclosures

1Annual Percentage Yield (APY) is accurate as of {current-date}. Interest rates and APYs are fixed for the term of the certificate and are determined by the length of the term. Dividends are credited and compounded monthly on the last day of the month. Early withdrawal penalties may apply. Fees could reduce the earnings on the account. For complete account terms and conditions, refer to our Statements of Terms, Conditions and Disclosures.

College Savings Certificate

Rates valid on {current-date}.

TERM - $1,000 MIN. BALANCE TO EARN APY

1 Year

APY¹

5.00%

Dividend Rate

4.89%

Learn more

Disclosures

1Annual Percentage Yield (APY) is accurate as of {current-date}. Interest rate and APY is fixed for the term of the certificate. Dividends are credited and compounded monthly on the last day of the month. Early withdrawal penalties may apply. Fees could reduce the earnings on the account. For complete account terms and conditions, refer to our Statements of Terms, Conditions and Disclosures.

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