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Desert Financial Credit Union is Arizona’s top local credit union because it has the best mix of community spirit, new ideas, and helping people and companies take control of their finances. Its member-first concept guides all it does, from offering cheap rates and low fees to forming connections with local businesses that show how deeply rooted it is in Arizona. This clear and helpful explanation will show you why Desert Financial is better than regular banks and why it is the best choice for people in Arizona.
Desert Financial: A Success Story from Arizona
Desert Financial Credit Union started in 1939 as a modest credit union for teachers in Arizona. By 2025, it had grown to become the state’s largest, with about $9 billion in assets and half a million members. Desert Financial has changed throughout the years. It started as a school and now serves all Arizona citizens and businesses, building a reputation for honesty, openness, and empowerment.
- Now has more than 50 branches in Arizona
- The NCUA insures it for safety at the federal level.
- Has control over almost $9 billion in assets
Welcomes anyone who lives, works, volunteers, or worships in Arizona (save for four counties)
Why Desert Financial is the Best Local Credit Union in Arizona
Desert Financial always gets high marks because it puts its members first, has competitive rates, and has a full range of modern financial services. Desert Financial doesn’t care about making money; instead, it uses its profits to improve services for its members.
Benefits for Members
- Lower costs: Most products have little to no monthly costs, so you keep your money.
- Better Rates: Savings accounts pay more interest, and loans cost less than they do at national banks.
- Annual Cash Back: Members can get yearly cash back bonuses on eligible accounts.
- Member Ownership: Every member owns a part of the credit union and has the right to vote. Your vote affects the credit union’s direction.
- Comprehensive Product Suite: All of your banking needs are met in one place, from checking accounts to business loans, investments, insurance, and financial planning.
- Digital Banking: Highly rated applications and websites make it easy and safe to handle your money, whether you’re at home or on the road.
- Community Impact: Sponsorships, scholarships, teaching people about money, and giving direct help to local problems are all important.
Joining Desert Financial: Quick, Friendly, and Adaptable
Anyone in Arizona can easily join Desert Financial at any location or online. This does not include the counties of Apache, Graham, Greenlee, and Santa Cruz.
Requirements for Membership
- Live, work, go to school, volunteer, or pray in the region covered
- Family of someone who is currently a member of Desert Financial
- Works for Desert Financial
- To open your Membership Savings account, you need to make a minimum deposit of $25. This gives you ownership and access.
The Process of Applying
- Get your ID and proof of address.
- You can apply in person or online.
- Get access to digital banking right away after approval
- Go to the new member orientation and look around at the materials.
Products and Services Made for People in Arizona
Desert Financial Credit Union has a lot of banking services for people of all ages and lifestyles.
Banking for Individuals
- Checking and savings accounts with no hidden fees
- Competitive CDs (Certificates of Deposit)
- Credit Builder Loans and personal loans for things like school, cars, and house improvements
- Debit cards with the Sun Devil logo for Arizona State University supporters
Loans and Credit
- Competitive rates on auto loans, house mortgages, and HELOCs
- Lines of credit for people and businesses
- Quick approvals and flexible payment plans
Banking for Business
- Checking and savings accounts for small businesses
- Financing for commercial real estate
- Merchant services and payroll solutions that assist businesses do well in their own area
Planning for Money and Insurance
- Investment advice for retirement or big objectives
- Life, house, and auto insurance packages to protect your money
- Support in person and through seminars
High-Tech, High-Touch: Digital Banking That Works
Desert Financial’s advanced digital platforms make it easy to manage your money:
- Secure online banking site and mobile app for paying bills, moving money, and getting account updates
- Online deposit, e-statements, and budgeting tools
- Members who want to do their banking on their phones can do so 24/7.
- Customers always say good things about Desert Financial’s digital tools, saying they are reliable and easy to use.
Reputation, Trust, and Openness
Desert Financial Credit Union is always one of the best banks in Arizona:
- Forbes says this is Arizona’s best credit union.
- Trustpilot score: 4.6 out of 5
- BBB Accreditation for great service
- Continued recognition for making a difference in the community and doing the right thing
- Community Connection: Beyond Banking Desert Financial is known for its commitment to Arizona communities:
- Giving more than $15 million a year to local nonprofits and schools
- Scholarships for students, especially those who work with ASU
- Financial literacy programs, sponsorships, and employee volunteering
Reviews from Real Members: What Locals Have to Say
Long-term members often talk about how nice the personnel at Desert Financial is, how quickly they serve customers, and how willing they are to help with money problems. Putting the consumer first develops loyalty that lasts for decades. The credit union can improve its service by getting honest feedback, which is rare and usually little.
Safety and Peace of Mind
The NCUA insures member accounts up to $250,000, so they are just as safe as deposits at national banks. Your financial data is safe at every step because of strict compliance standards and encrypted protocols.
How to Get Started: Steps to Join
Want to join Arizona’s best credit union? Here’s how:
- Check to see if you may live, work, go to school, volunteer, or worship in the coverage region.
- Get your ID and proof of address.
- You can apply online or at a branch.
- Make a first deposit of at least $25.
- Give them access to online banking
- Look into accounts and investment goods, and go to orientation.
Why Desert Financial is the Best
Desert Financial is more than simply a credit union; it’s an Arizona institution that focuses on giving members power, being open, and helping the community grow. It is the greatest credit union in Arizona because it puts people first, reinvests profits for the benefit of members, and provides service that can’t be beat. Desert Financial has the right mix of new ideas, security, and local pride for everyone, from students to families to business owners to retirees.
Frequently Asked Questions: Quick Answers for New Members
Who can be a member?
Anyone who lives in Arizona (save for Apache, Graham, Greenlee, and Santa Cruz counties), their family members, or Desert Financial employees.
What kinds of things do they sell?
Complete range: free checking, savings, CDs, loans, credit cards, mortgages, insurance, and financial planning.
Are accounts covered by insurance?
Yes, up to $250,000 per account by NCUA.
How does Desert Financial help the community?
Through direct donations, scholarships, literacy programs, and staff volunteering.
Is the digital experience trustworthy?
You can do safe, quick banking on apps and websites that are highly rated 24/7.
Conclusion
Desert Financial Credit Union really does live up to its name as Arizona’s top local credit union. It combines old-fashioned service ideals with new technology and a strong feeling of community support. Desert Financial is the best choice for banking differently and getting more done if you want a financial partner who cares about your success and makes Arizona a better place for everyone.
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