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Connected to what matters in Arizona
We’re proud to support local organizations that uplift and empower our community, including those creating opportunities for Hispanic and Latina leaders across Arizona. When our community thrives, we all thrive.
Bills paid. Money saved. Future bright.
A credit union built to support you, your family, and our community, with services designed to bring clarity, confidence, and balance to your financial life.
Become a member
Open an account and start enjoying benefits designed for you and your family.
Become a member
Schedule an appointment
Meet with a friendly branch representative for personalized, one-on-one support.
Schedule an appointment
Frequently asked questions
Credit Union vs. Bank: What's the difference?
A credit union is a not-for-profit financial institution that is owned by its members. Credit unions offer many of the same services as banks, such as checking and savings accounts, loans, credit cards, and online banking. Because credit unions are member-owned, they are designed to serve their members and the communities they support.
Am I eligible to become a member?
You may be eligible to become a member if you live, work, volunteer, attend school, or worship within our Arizona service area, or if you have an immediate family member who is already a member. If you’re unsure whether you qualify, we’re happy to help you confirm your eligibility.
What information or documents may be required to open an account?
You will be asked to provide:
- A valid form of identification (such as a driver’s license, state ID, foreign passport with U.S. visa, Permanent Resident Card, or Mexican Matrícula Consular)
- A Social Security Number or ITIN
- Phone number and email address
- Date of birth and residential address
- A $25 minimum deposit
Does Desert Financial offer Zelle®?
Yes. Zelle® is available through our mobile app, allowing you to send and receive money with people you trust, often within minutes.1 Simply enroll with your email address or U.S. mobile number to get started.
The Desert Financial difference
More than banking, a credit union that puts people first.
People over profits
We believe in supporting our members and reinvesting in the community, rather than focusing on shareholder profits like traditional banks.
Free Checking²
No monthly fees. No minimum balance. Just simple, straightforward banking.
Member Giveback Bonus³
Over the past nine years, our members have received more than $122 million back through our Member Giveback Bonus program.
Community Impact
When you become a member, you help support programs, initiatives, and services that strengthen our communities.
The official retail banking partner of ASU®
Desert Financial, named the No. 1 credit union in Arizona by Forbes, and ASU®, ranked No. 1 “Most Innovative School” in the nation by U.S. News & World Report, have joined together in a partnership that looks out for another No. 1: You! Show your Sun Devil® spirit with an ASU® debit card!
1
Zelle® is available to active personal online banking users. Waiting periods and additional restrictions may apply. For additional information, please refer to the Zelle® Terms of Service . To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
2
Free Checking is free; however, fees for additional services may apply. Eligibility and account qualification requirements apply.
3
Bonus eligibility required. For details, visit DesertFinancial.com/Terms.
Translations of product and service information on this site are provided for convenience only. In the event of any discrepancy or conflict, the English versions will prevail. Not all materials are translated into Spanish. Our full Statements of Terms, Conditions,and Disclosures are provided in English at: DesertFinancial.com/Terms. Security and Legal Terms of Use are available in English at: https://www.desertfinancial.com/en/legal. Spanish-language customer support is available by contacting Desert Financial.