Desert Financial Credit Union Chandler AZ | Affordable Auto Loans & Mortgage Refinancing

Introduction

Welcome to Desert Financial, your trusted partner for financial growth and community support in Chandler, AZ. Located at 1949 W Ray Rd Ste 34, we have been serving our members since 1939, building a strong legacy of trust and reliability. With a membership base of over 472,620 individuals, we pride ourselves on being more than just a credit union; we're a community dedicated to helping you achieve your financial goals. At Desert Financial, we understand the importance of having reliable financial resources at your fingertips. Our total assets amount to an impressive $8,901,537,365, showcasing our strength and stability in the industry. With total deposits reaching $699,652,272 and loans totaling 131,916, our commitment to providing accessible banking solutions is clear. Whether you're looking for personal banking options like checking and savings accounts or seeking financing through auto loans and mortgages, we've got you covered. Led by CEO Jeffrey Meshey and Board President Kevin Haskew, our team works diligently to ensure that your needs come first. We are proud of our staff of 1,326 employees who are always ready to assist you with any inquiries or services you may need. Our mission goes beyond numbers; it's about making a positive impact in the communities we serve. While members can visit us at 1949 W Ray Rd Ste 34, official correspondence should be sent to our mailing address: PO Box 2945, Phoenix, AZ 85062. We invite you to explore all that Desert Financial has to offer by visiting our website at desertfinancial.com. Whether you're interested in opening an account or learning more about our services, don't hesitate to reach out. Call us today at 602-335-2500 we're here to help you every step of the way!

Branch History & Mission

Commitment to Innovation

Desert Financial embraces modern technology to enhance your banking experience. Our services include online and mobile banking, enabling you to manage your finances anytime, anywhere. We also ensure ADA compliance so everyone can access our facilities and services comfortably. While we do not currently have drive-thru banking at this location, our ATMs are available 24 hours a day for your convenience. You can feel confident knowing you have access to cash whenever you need it. As we look toward the future, we remain committed to adapting and evolving alongside our members' needs. Join us on this journey! If you're looking for a reliable partner in your financial journey, consider becoming a member of Desert Financial today. Visit us online or call us at 602-335-2500 for more information on how you can benefit from what we offer. Together, let's build a brighter financial future!

Our Mission

At Desert Financial, our mission is simple: to empower our members through accessible financial services while supporting the communities we serve. We believe in putting people before profits. This commitment drives us to offer a range of services from personal banking like checking and savings accounts to auto loans and business financing options. Our goal is to create lasting relationships with our members by helping them achieve their financial dreams. We pride ourselves on being more than just a bank; we're your partner in progress. Our focus extends beyond transactions; we actively engage in community outreach programs and partnerships that uplift and support those around us. Whether it's financial literacy workshops or local sponsorships, we strive to make a positive impact.

Branch Location & Accessibility

Welcome to Desert Financial, your friendly neighborhood credit union located at 1949 W Ray Rd Ste 34 in beautiful Chandler, AZ! We are committed to making your banking experience as convenient as possible. Nestled in the heart of Maricopa County, our branch is easily accessible and near popular spots like the Chandler Fashion Center and the vibrant downtown area, making it a breeze for you to stop by while running errands or enjoying a day out. At Desert Financial, we understand that accessibility is key. Our branch features ADA-compliant facilities, ensuring everyone can easily visit us. Plus, ample parking is available right outside our doors, allowing for a hassle-free visit. We're here to serve you during convenient hours! Visit us Monday through Friday from 9:00 AM to 6:00 PM and on Saturdays from 9:00 AM to 1:00 PM. Whether you need personal banking services like checking and savings accounts or are interested in auto loans and mortgages, our team is ready to assist you. And if you ever need cash outside of our lobby hours, don't forget that our ATM is available 24/7 for your convenience! While members can visit us at our Chandler location, official correspondence should be sent to our mailing address at PO Box 2945, Phoenix, AZ 85062. So why wait? Come see us today at Desert Financial! If you have any questions or need assistance, feel free to give us a call at 602-335-2500. We look forward to helping you achieve your financial goals!

Member Eligibility

Becoming a member of Desert Financial is like joining a close-knit community where your financial well-being is the top priority. If you're looking to join us at our branch located at 1949 W Ray Rd Ste 34 Chandler Az 85224, you'll be pleased to know that eligibility is quite inclusive! We welcome anyone who lives, works, or worships in the areas we serve, as well as family members of existing members. This means you can easily tap into a range of financial products and services designed just for you, from personal banking to auto loans and more. Getting started is simple! For detailed eligibility criteria, feel free to visit our website at http://www.desertfinancial.com/en/who-we-are/become-a-member. If you're ready to take the next step toward opening an account, don't hesitate to call us at (602) 335-2500 we're here to help you every step of the way!

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 having the ability to accept payments from your customers easily and securely. Our merchant services provide just that empowering you to focus on what you do best: running your business. Whether you're a retail store or an online shop, our solutions streamline transactions so you can enhance customer satisfaction while managing your cash flow effectively. When you're ready to take your business to the next level, visit us at 1949 W Ray Rd Ste 34 Chandler Az 85224, Chandler, AZ, or call us at (602) 335-2500. Let's grow together!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're eyeing a new vehicle, our auto loans and vehicle financing options make it easy to hit the road without breaking the bank. Imagine driving away in your new car with a manageable monthly payment that fits within your budget. Our competitive rates and flexible terms mean you can get behind the wheel sooner than you think.

Business Banking

For entrepreneurs and small business owners in need of support, our business banking services, including merchant services and business loans, can help pave the way for success. Imagine having access to financial tools that allow your business to thrive while we take care of the details.

Convenient Access

Accessing these services is straightforward thanks to our commitment to online and mobile banking. You can manage your accounts anytime, anywhere whether it's transferring funds on-the-go or withdrawing cash at one of our ATMs available 24/7. At Desert Financial, we strive not just for convenience but also for quality service and support as you navigate your financial journey. Our team is always ready to assist with any questions you may have about our offerings. Whether you're ready to open an account or simply want more information about how we can assist you further, don't hesitate to reach out! Call us at (602) 335-2500 or visit us at 1949 W Ray Rd Ste 34 Chandler Az 85224 in Chandler, AZ today! We look forward to serving all your financial needs!

Credit Cards with Rewards

With our credit cards featuring rewards, every purchase brings you closer to something special. Whether it's cash back or travel points, using our credit card for everyday expenses can add up quickly, allowing you to enjoy benefits while managing your spending responsibly.

Mortgage Loans & Refinancing

For homebuyers or those considering refinancing, our mortgage loans provide a pathway to homeownership or lower monthly payments on existing loans. Our knowledgeable staff can guide you through the process, helping you find the best mortgage solution that suits your financial situation.

Personal Banking

Starting with personal banking, we offer both checking and savings accounts designed to help you manage your money effectively. With convenient access through online and mobile banking, you can check balances, transfer funds, and pay bills from anywhere. For those planning significant purchases or wanting to save for the future, our savings accounts provide an excellent way to grow your funds.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation services come into play. These options can assist you in managing unforeseen costs or consolidating debt into one simpler payment plan, making it easier for you to regain control over your finances.

Digital & Online Banking

Key Features

Our mobile application enhances your banking experience even further. With the app, you can enjoy features like mobile payments, allowing you to pay for goods and services directly from your phone. Say goodbye to fumbling for cash or cards! Need to send money to a friend? Our person-to-person transfer feature makes it simple and fast. You can quickly send funds without needing to share sensitive information. And when it comes to paperwork, we've gone digital! Our electronic signature authorization means you can sign documents securely online, saving you time and hassle. You also have the option to receive e-statements, which are not only eco-friendly but also help you stay organized by keeping all your financial statements in one place. No more paper clutter!

Security and Ease of Use

We prioritize your security with advanced encryption technologies that protect your personal information while you're banking online. Our user-friendly interface ensures that navigating through our services is straightforward, whether you're tech-savvy or just getting started. With all these features combined, managing your finances has never been easier or more secure. Join us at Desert Financial and take advantage of our digital banking services today!

Financial Strength

Commitment to 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 lending capacity supports your financial goals with $35,444 in used auto loans and $4,226,064,464 in total loans and leases.

Growing Member Trust

Total Share Accounts: 1,037,935, show a strong and growing member base that trusts us with their finances. With net shares available for lending and investments amounting to $12,684,564, we are well-positioned to meet the diverse needs of our community. 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 1949 W Ray Rd Ste 34 Chandler Az 85224 or call (602) 335-2500 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.

Secure Savings Options

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.

Strong Financial Health

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. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have options that fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $738,175,373 provide the capital needed to grow and expand. We understand the challenges of running a business and are dedicated to providing tailored solutions that help you succeed.

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. We offer personalized guidance through the application process and help you find the best terms for your situation.

Refinancing Options

If you're considering refinancing any existing loans, our team is here to guide you through eligibility options. We believe in making refinancing straightforward so that you can save money or adjust your payments according to your financial goals. We encourage you to reach out to us at (602) 335-2500 or visit us at our branch located at 1949 W Ray Rd Ste 34 Chandler Az 85224, Chandler, AZ. Our knowledgeable staff is ready to assist you with all your lending needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let's work together towards achieving your financial aspirations!

Unsecured Credit Card Loans

For those who need flexibility, we also offer unsecured credit card loans with a total of $0 in loans helping members manage their finances effectively. These cards come with competitive interest rates and rewards that can benefit your spending habits.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This user-friendly platform offers a clear way for individuals to evaluate their options without the confusion often associated with traditional lending. LendMesh ensures accurate loan comparisons by sourcing its data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This commitment to using verified sources means that users receive fair and transparent offers based on the latest results (Source: https://www.ncua.gov). By gathering information from credible institutions, LendMesh builds trust through its reliable data. The benefits of using LendMesh extend beyond just accurate comparisons. Here are some key features that set it apart: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions its goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective the platform can be in helping individuals save money. If you're looking for the best loan rates available, compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*