Save for what matters most

A simple, secure savings account designed to help you prepare for life's plans, surprises, and opportunities.

Small habits. Strong future.

For many families, saving means peace of mind and being ready for life's unexpected moments. With the right tools and guidance, building long-term stability can feel simple and achievable.

Savings for life's plans and surprises, too

Membership Savings

Perfect for general savings. Required to become a member.

Key Highlights:

{rate-token-1}% APY¹

$25 opening and minimum balance required
Dividends paid monthly on balances over $25
No monthly service fee
Can be used with Round Up and Save

Become a member

Health Savings Account

If you have a high-deductible health plan, an HSA helps you prepare for medical expenses with flexibility and long-term benefits.

Key Highlights:

{rate-token-2}% APY¹

No minimum balance
No monthly service fee
Unused funds roll over year to year
HSA Visa^® debit card
Dividends paid monthly on full balance

Open an account

Additional Savings

Set aside money for specific goals like travel, home projects, or family milestones.

Key Highlights:

{rate-token-3}% APY¹

Dividends paid monthly on full balance
No minimum balance
No monthly service fees

Open an account

Saving with confidence

Backed by real member experiences. Showing our favorite reviews.

Small Savings Add Up

You don’t need large amounts to make progress. With automatic transfers and Round Up and Save, you can grow your savings little by little without changing your routine.

Earn More as You Grow

With Relationship Rewards, you earn points for everyday banking activities. As your relationship with us grows, you unlock additional benefits.

Which savings account is right for you?

	Membership Savings	Additional Savings	Health Savings Account
Intended for	General savings. Required to become a member.	An additional account to store your savings.	Savings account for health-related expenses.
Today's rate¹	{rate-token-1}% APY	{rate-token-2}% APY	{rate-token-4}% APY
Minimum daily balance requirement^²	$25	None	None
Service fee	None	None	None
Works with Round Up and Save feature	✓	✓	X

Fill out the form to request more information

Desert Financial's San Tan Village branch features a modern and welcoming design, with sleek architecture, and large windows.

Find a branch near you

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¹

Annual Percentage Yield (APY) rates are accurate as of {current-date}. Rates subject to change without notice and may change after the account is opened. Fees could reduce the earnings on the account. Visit our rates page for additional information and details. 

²

Applicable minimum daily balance required to obtain the stated Annual Percentage Yield (APY).

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.