Business Details
50+ Years
experience
Your Trusted Partner for Financial Solutions in Arizona
Desert Financial, established in 1939 by Arizona educators, operates as a not-for-profit financial institution dedicated to improving members' financial well-being. With over 400,000 members and $8.2 billion in assets, we prioritize community impact through scholarships, local investments, and personalized banking solutions. Our services include free checking, competitive savings rates, auto/home/personal loans, credit cards, and wealth management.We maintain 50+ branches and 30,000+ surcharge-free ATMs while offering 24/7 digital banking access. Our member-owned structure allows us to reinvest profits back into the community, having contributed $5.2 million in 2024 alone through educational initiatives and financial literacy programs.
Services
Free Checking
Savings Accounts
Auto Loans
Home Loans
Credit Cards
Business Banking
Personal Loans
Wealth Management
Digital Banking
Zelle Transfers
Details
- Year established: 1939
Highlights and features
- 85 years of Arizona community banking experience
- Competitive loan rates from member-owned structure
- 24/7 digital banking with mobile check deposit
- 50+ local branches and 30,000+ surcharge-free ATMs
- Community investment exceeding $5.2 million annually
Associations and certifications
- NCUA
What people say
Exceptional service
Competitive rates
Community involvement
Long-term trust
Easy digital access
Services
Auto Loans
New and used vehicle financing with rates starting at 6.34% APR. Offers include auto refinance options and graduate auto loans. Provides fast local loan decisions and flexible terms for both first-time buyers and experienced borrowers seeking competitive vehicle financing solutions.
Home Loans
Residential mortgage solutions starting at 5.385% APR, including first-time homebuyer programs and community heroes initiatives. Features refinance options, home equity lines of credit (HELOC) with promotional rates, and down payment assistance programs tailored to Arizona residents.
Credit Cards
Multiple credit card options including travel rewards, cashback, and student cards. Features no annual fees for most products, relationship-based rewards, and security benefits. Designed to help members build credit while earning rewards on everyday purchases.
Business Banking
Tailored financial solutions for Arizona businesses including checking accounts, loans, credit cards, and treasury management. Offers workplace banking services, business investment options, and fraud protection tools like Positive Pay to support local entrepreneurs and growing companies.
Digital Banking
24/7 mobile and online banking platform with Zelle integration, bill pay, and mobile check deposit. Features budgeting tools, account alerts, and secure access to 30,000+ surcharge-free ATMs through the Co-op network for convenient member self-service.
Questions
What loan products do you offer?
We provide auto loans, home mortgages, HELOCs, personal loans, student loans, and business financing with rates starting at 6.34% APR.
Are you federally insured?
Yes, all deposits are federally insured up to $250,000 by the NCUA, with additional coverage through private insurance for retirement accounts.
Do you have mobile banking?
Our award-winning mobile app offers check deposit, bill pay, Zelle transfers, account alerts, and access to 30,000+ surcharge-free ATMs.
What community programs exist?
We awarded $377,500 in scholarships in 2024 and have invested over $5.2 million in Arizona communities through educational initiatives and local projects.
How do I report a lost card?
Call our 24/7 lost card assistance at (855) 578-5801 for debit/ATM cards or (866) 289-1567 for credit cards.
