Desert Financial Credit Union Apache Junction AZ | Best Auto Loans & Online Banking

Introduction

Welcome to Desert Financial at 150 E Old West Hwy, Apache Junction, AZ 85119! Since opening our doors in 1939, we've been committed to serving our community and helping our members achieve their financial goals. With a strong membership of over 472,620, we pride ourselves on being more than just a credit union; we are your trusted partner in navigating life's financial journey. At Desert Financial, we understand that life is full of surprises both good and challenging. That's why we offer a wide array of services tailored to meet your needs, whether you're looking for personal banking solutions like checking and savings accounts, or financing options for your next vehicle or home. Our total assets stand impressively at $8,901,537,365, reflecting our stability and dedication to providing exceptional service. While members can visit us at the branch for all their banking needs, official correspondence should be sent to our mailing address: PO Box 2945, Phoenix, AZ 85062. If you have questions or need assistance, feel free to reach out by calling us at 602-335-5870. Our leadership team is passionate about fostering a welcoming environment. Under the guidance of CEO Jeffrey Meshey and Board President Kevin Haskew, we're not just here to provide financial services; we aim to build lasting relationships within the community. With a net worth of $1,033,536,095 and cash reserves totaling $27,757,154, you can trust that your finances are in capable hands. Join us today and discover how Desert Financial can empower you financially. Whether you're ready to apply for a loan or simply want to learn more about what we offer, we invite you to explore our website at desertfinancial.com or visit us in person! Your financial future starts here.

Branch History & Mission

At Desert Financial, our story begins in 1939 when we opened our doors in Apache Junction, AZ. Over the decades, we have proudly grown from a small local credit union into a significant community pillar, now serving over 472,620 members with total assets of $8,901,537,365. Our branch, located at 150 E Old West Hwy, is not just a place for banking; it's where relationships are built and dreams take flight. Our mission is simple yet powerful: to provide exceptional financial services while making a positive impact in the communities we serve. We understand that our members are at the heart of everything we do. From personal banking options like checking and savings accounts to auto loans and mortgages, we aim to offer solutions that meet the unique needs of each individual. Our commitment extends beyond just financial products; we strive to uplift our community through partnerships and outreach efforts that foster growth and support. As we evolved over the years, we embraced technology to enhance member experience. We now offer online and mobile banking options, ensuring that you can manage your finances conveniently, anytime and anywhere. With ADA-compliant facilities, everyone can access our services comfortably. While members can visit us at 150 E Old West Hwy Apache Junction Az 85119, official correspondence should be sent to PO Box 2945, Phoenix, AZ 85062. Our operating hours are designed for your convenience Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM. Plus, with ATM availability around the clock, you can always access your funds when you need them. Desert Financial is dedicated to making a difference in Apache Junction and beyond. Whether through educational programs or local sponsorships, we're here to support the aspirations of our community members. We invite you to join us at Desert Financial and experience firsthand the benefits of being part of a credit union that truly cares about its members. Together, let's build a brighter financial future! For more information or to become a member today, please call us at (602) 335-5870 or visit us online at Desert Financial.

Branch Location & Accessibility

Convenient Access

At Desert Financial, accessibility is key. Our branch offers ample parking and features that comply with ADA standards, ensuring everyone can visit us comfortably. If you prefer to bank on-the-go, our ATM is available 24 hours a day for quick cash withdrawals and balance checks. While members can visit us at 150 E Old West Hwy, official correspondence should be sent to our mailing address at PO Box 2945, Phoenix, AZ 85062.

Get in Touch

Have questions? Don't hesitate to give us a call at 602-335-5870. We're excited to welcome you into the Desert Financial family! Visit us today and discover how we can support your financial journey.

Operating Hours

We understand that life can get busy, so we offer flexible banking hours. You can visit us Monday through Friday from 9:00 AM to 6:00 PM and on Saturdays from 9:00 AM to 2:00 PM. Our dedicated team is ready to assist you during these times.

Services Tailored for You

Desert Financial offers a range of personal banking services including checking and savings accounts, auto loans, mortgage options, and more. Whether you're looking to secure financing for your next vehicle or need help consolidating debt, our knowledgeable staff is here to guide you every step of the way.

Member Eligibility

At Desert Financial, we believe that becoming a member is like joining a family that truly cares about your financial well-being. If you're looking to take part in our supportive community, you'll be pleased to know that eligibility is open to anyone who lives, works, or worships in the areas we serve. This means if you're based in or around 150 E Old West Hwy Apache Junction Az 85119, you can easily join us and start enjoying the many benefits of membership, including personalized service and competitive rates. For more detailed information on the specific eligibility criteria, feel free to check out our dedicated page at http://www.desertfinancial.com/en/who-we-are/become-a-member. Opening an account with us is straightforward and welcoming. Whether you're interested in checking accounts, loans, or savings options, our friendly team is here to guide you through the process. You can reach out at (602) 335-5870 if you have any questions or need assistance getting started. We can't wait for you to join our community at Desert Financial!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $726 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $738,175,373, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine effortlessly processing payments while focusing on what you do best running your business. Our merchant services simplify transactions, enabling you to accept payments from customers quickly and securely. Whether you're a small retail shop or a growing service provider, these tools can enhance customer satisfaction and streamline your operations. Partner with us at Desert Financial and experience how our dedicated services can help elevate your business to new heights! Reach us at (602) 335-5870 to learn more about how we can assist you today.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? Our ATM services allow for easy cash withdrawals and balance checks 24/7. With an ATM available right here at our branch, accessing your funds has never been simpler. In summary, whether you're looking for personal banking solutions or business support, Desert Financial is here for you. With friendly service from our knowledgeable team at 602-335-5870, we're ready to assist with all your financial needs. Visit us today at 150 E Old West Hwy, Apache Junction, AZ 85119 or explore more about what we offer online at Desert Financial. Join us as we work together towards your financial success!

Auto Loans & Vehicle Financing

If you're in the market for a new vehicle, our auto loans and vehicle financing solutions can help you get on the road faster. We understand that purchasing a car is a significant investment, and our competitive rates make it easier to drive away in the car you want without breaking the bank.

Business Banking Support

For local entrepreneurs and businesses, our business banking services include merchant services and business loans designed to support your growth. We know how vital it is for small businesses to have access to reliable financial resources.

Digital Convenience at Your Fingertips

In today's fast-paced world, convenience is key. That's why at Desert Financial, we provide robust online and mobile banking features. You can check balances, transfer funds, pay bills, and even deposit checks right from your smartphone or computer whenever it suits you best.

Home Ownership Made Easy

For those considering home ownership or refinancing their current mortgage, our mortgage loans and refinancing options provide flexible terms that suit your financial situation. We aim to simplify the home-buying process so you can focus on what matters most making lasting memories in your new space.

Personal Banking Solutions

Starting with personal banking, we offer checking and savings accounts tailored to fit different lifestyles. Imagine being able to manage your daily expenses effortlessly with a checking account designed for convenience. Our savings accounts also help you grow your money over time, making it easier to achieve those future goals like buying a home or planning a vacation.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, and that's where our personal loans and debt consolidation services come into play. These loans can help cover everything from emergency repairs to consolidating multiple debts into one manageable payment.

Rewards Credit Cards

Don't forget about our credit cards with rewards! They not only provide you with the purchasing power you need but also offer cashback or points for every dollar spent. It's an easy way to earn while you spend!

Digital & Online Banking

Key Features of Our Digital Services

Our online banking platform provides a user-friendly experience where you can easily check your balances, transfer funds, and pay bills. Whether you're at home or on the go, our mobile application allows you to manage your account right from your smartphone. You can also enjoy the convenience of mobile payments, making transactions fast and simple. If you need to send money to friends or family, our person-to-person transfer feature makes it easy to send cash with just a few taps. Plus, if you're looking for paperless solutions, we offer electronic statements that help keep your financial information organized and accessible.

Security and Accessibility

Your security is our top priority. At Desert Financial, we utilize electronic signature authorization to ensure that all transactions are safe and verified. Our online banking services are built with advanced security measures, giving you peace of mind while you manage your finances. Accessibility is key; whether you're tech-savvy or just starting out with digital banking, our services are designed for everyone. With straightforward navigation and helpful support resources, you'll find everything you need right at your fingertips. Experience the ease of managing your finances digitally with us at Desert Financial. Explore more about our online services by visiting https://www.desertfinancial.com/ today!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts stand at 1,037,935, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $12,684,564. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Desert Financial is your trusted partner. Visit us at 150 E Old West Hwy Apache Junction Az 85119 or call (602) 335-5870 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $60,601,487 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 1,289 full-time employees and 37 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $960,070,693 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to growth is reflected in our diverse lending capacity. We have $35,444 in used auto loans and $4,226,064,464 in total loans and leases available to support your financial goals across various sectors.

Security for Your Savings

Members' savings are secured through $1,471,902,387 in share certificates and $2,928,906,780 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Foundation

With a net worth of $1,033,536,095, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,170 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $877,928,365 in used vehicle loans and $586,767,508 in new vehicle loans already helping members get on the road. We provide flexible terms and refinancing options, ensuring you find a plan that fits your budget.

Credit Lines

For those who need extra flexibility, our total credit lines amounting to $3,861,348,724 can help manage cash flow and cover unexpected expenses. This option allows you to borrow only what you need when you need it.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,405,055,850, make buying or refinancing simple. Whether you're a first-time buyer or looking to upgrade your current home, our mortgage team is here to guide you through every step of the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. These loans help members manage their finances effectively without collateral requirements. At Desert Financial, we prioritize your financial well-being. To explore more about our loan offerings or to discuss eligibility options, please reach out at (602) 335-5870 or visit us at 150 E Old West Hwy Apache Junction Az 85119 in Apache Junction, AZ. For performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how we can assist you today!

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