Desert Financial Credit Union Flagstaff AZ | Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to Desert Financial, your trusted financial partner located at Cypress Flagstaff Mall, Flagstaff, AZ 86004. Established in 1939, we have proudly served our community for over eight decades, growing alongside our members to ensure their financial success. With a strong commitment to providing exceptional service and support, we currently boast a membership of 472,620 individuals who trust us with their financial needs. At Desert Financial, we understand the importance of managing your finances effectively. That's why we offer a wide range of services tailored just for you whether it's personal banking options like checking and savings accounts, auto loans, or even business banking solutions. Our total assets stand impressive at $8,901,537,365, ensuring that we have the resources necessary to support our community. You can feel confident knowing that your deposits are secure with us. We currently hold $699,652,272 in total deposits and maintain a solid net worth of $1,033,536,095. Our dedicated team is here to help you navigate through all your financial journeys with ease and reliability. While members can visit us at our branch location in Flagstaff, official correspondence should be sent to our mailing address: 148 N 48th St., Phoenix, AZ 85034. Should you have any questions or need assistance, don't hesitate to reach out at 602-433-7000. We're here for you Monday through Friday from 9 am to 6 pm and Saturday from 9 am to 1 pm. Led by CEO Jeffrey Meshey and Board President Kevin Haskew, our passionate team of 1,326 employees works tirelessly to ensure that every member feels valued and supported. Your financial well-being is our top priority. Join us at Desert Financial today by visiting our website at desertfinancial.com or simply drop by our branch. Let's work together toward a brighter financial future!

Branch History & Mission

Community Focus

Desert Financial is more than just a credit union; we are an active participant in the Flagstaff community. We regularly engage in outreach programs and partnerships that uplift local organizations and initiatives. Our team believes in giving back and making a positive impact on the lives of those around us. We are committed to transparency and excellence in service delivery. With dedicated staff available during our operating hours Monday through Friday from 9 am to 6 pm and Saturday from 9 am to 1 pm we are always ready to assist you with your financial journey. If you're looking for a place that prioritizes your financial health while making a difference in the community, consider joining Desert Financial today! Visit us or call us at 602-433-7000 to learn more about becoming a member and enjoying all the benefits we offer. Together, let's build a brighter financial future!

Our Mission

At Desert Financial, our mission is clear: we aim to empower our members by providing exceptional financial services while fostering strong community connections. We believe in supporting not just individual financial growth but also enhancing the community's wellbeing. This commitment drives us to offer a wide range of services including personal banking options such as checking and savings accounts, auto loans, mortgage loans, and business banking solutions. As we continue to evolve with technology, we ensure that our services are accessible and convenient. Our members benefit from features like online and mobile banking, allowing them to manage their finances anytime and anywhere. Additionally, we have implemented ADA compliance measures to ensure that everyone can access our services without barriers.

Branch Location & Accessibility

Comprehensive Banking Services

When you visit us at Cypress Flagstaff Mall, you'll find a wide range of personal banking services tailored to fit your lifestyle. From checking and savings accounts to auto loans and mortgages, we're here to help you achieve your financial goals. Plus, our dedicated staff is ready to assist you with any questions or needs you may have. While members can visit us at Cypress Flagstaff Mall Flagstaff Az 86004, official correspondence should be sent to our mailing address: 148 N 48th St, Phoenix, AZ 85034.

Connect With Us

Have questions? Give us a call at (602) 433-7000 or stop by during our operating hours. We can't wait to welcome you into the Desert Financial family!

Easy Access and Parking

Our location is not only accessible but also offers ample parking, ensuring that your visit is hassle-free. We prioritize accessibility for all our members, with features such as ADA-compliant ramps and pathways.

Operating Hours That Fit Your Schedule

At Desert Financial, we understand that life can get busy. That's why our lobby hours are set from Monday to Friday, 9 am to 6 pm, and Saturday from 9 am to 1 pm. Need cash outside of these hours? No problem! Our ATM is available 24/7 for your convenience.

Member Eligibility

Welcome to Desert Financial, where becoming a member means joining a community that truly cares about your financial well-being. To become part of our family, you'll need to meet some friendly eligibility criteria. If you live, work, worship, or go to school in the area, or if you have a family member who is already a member, you're likely eligible! We believe in making banking accessible for everyone, so don't hesitate to check out the full details on our website at http://www.desertfinancial.com/en/who-we-are/become-a-member. Joining us is simple and rewarding. When you become a member at Desert Financial, you gain access to a variety of services tailored to help you succeed financially from checking and savings accounts to loans and credit cards with great benefits. Plus, our team is always here to assist you every step of the way. To get started on opening your account or if you have any questions, feel free to call us at (602) 433-7000 or visit us at our branch located at Cypress Flagstaff Mall Flagstaff Az 86004. We can't wait to welcome you!

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 That Matter

Imagine having a reliable partner for your payment processing needs. Our merchant services streamline transactions, making it easier for you to accept payments from customers while keeping your cash flow steady. Picture this: no more lengthy waits for payment approvals or complicated setups just smooth transactions that let you focus on what matters most: running your business. Located at Cypress Flagstaff Mall Flagstaff Az 86004, Flagstaff, AZ, we're here to provide personalized service and expert advice tailored to your unique needs. Reach out to us at (602) 433-7000 or visit our website at https://www.desertfinancial.com/ to explore how our business banking and commercial services can help turn your goals into reality.

Comprehensive List Of Services

Accessibility and Support

At Desert Financial, we believe in making banking accessible for everyone. Our staff is always ready to assist you with any questions or concerns during lobby hours from Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 1 PM. You can reach us at 602-433-7000 if you need assistance outside these hours. No matter what financial needs arise, Desert Financial in Flagstaff is here to help you navigate them smoothly. We invite you to visit us at Cypress Flagstaff Mall, explore all the services we offer, and see how we can support your financial goals today! If you're ready to take the next step toward better banking solutions or want more information about becoming a member, don't hesitate to contact us!

Business Banking Services

For our local entrepreneurs and businesses, we offer a suite of services that can help grow your business. Our business banking options, including merchant services and business loans, are designed to support your venture from start-up through expansion.

Credit Options

In today's world, having access to credit can be essential. Our credit cards with rewards allow you to earn points on everyday purchases while enjoying the convenience of cashless transactions. This means you can shop for groceries or fill up your gas tank and get rewarded for it!

Digital Banking Convenience

In an age where convenience is key, our online and mobile banking platforms make managing your money easier than ever. You can check balances, transfer funds, or pay bills right from your smartphone or computer anytime and anywhere! Plus, with features like person-to-person payments and 24-hour ATM access at our branch, getting cash or sending money is just a few clicks away.

Personal Banking Solutions

We understand that managing your finances can sometimes feel overwhelming. That's why our personal banking options are designed with you in mind. From checking and savings accounts that help you keep track of your daily expenses and savings goals, to auto loans and vehicle financing for those exciting moments when you're ready to hit the road, we make it easy for you to find what fits best. If you're thinking about buying a home or refinancing an existing mortgage, our mortgage loans offer competitive rates and personalized service to guide you through the process. Plus, for anyone looking to consolidate debt or tackle unexpected expenses, our personal loans provide flexible solutions tailored to your situation.

Digital & Online Banking

Key Services

With our online banking platform, you can access your accounts 24/7, allowing you to check balances, pay bills, and transfer funds whenever it suits you. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. Plus, if you prefer using your smartphone, our mobile application is available for download, giving you all the tools you need right at your fingertips.

Security and Convenience

We prioritize your security with features like electronic signature authorization. This means you can sign documents online securely, saving you time and hassle. And if you're interested in going paperless, e-statements are available to help you keep track of your finances while being environmentally friendly. Additionally, our mobile payments feature allows for easy transactions without the need for cash or cards. Just tap and go! It's all about making banking as straightforward as possible so that you can focus on what really matters. At Desert Financial, we strive to provide user-friendly services that fit into your busy life. From real-time account management to easy access anytime through our online banking options, we're here to support your financial journey every step of the way.

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 members' financial goals across various sectors with $35,444 in used auto loans and $4,226,064,464 in total loans and leases.

Growing Membership Base

Total Share and Deposit Accounts: 1,037,935, showing a strong and growing member base that trusts us with their finances. This reflects the confidence that many have placed in Desert Financial, reaffirming our dedication to serving the community effectively. 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 Cypress Flagstaff Mall Flagstaff Az 86004 or call (602) 433-7000 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Operational Efficiency

Our success is reflected in our $60,601,487, showcasing our operational efficiency and 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.

Safe 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.

Solid Financial Health

With a net worth of $1,033,536,095, we maintain robust 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 offer flexible terms and refinancing options to make the process as easy as possible.

Commercial Loans

For business owners, our outstanding commercial loans totaling $738,175,373 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges, which is why we're here to support your ventures with financial solutions designed for success. At Desert Financial, we're dedicated to providing accessible lending solutions that cater to your needs. If you're interested in learning more about our loan products or eligibility requirements, feel free to reach out at (602) 433-7000 or visit us at our branch located at Cypress Flagstaff Mall Flagstaff Az 86004, Flagstaff, AZ. 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 us help you take the next step toward achieving your financial dreams today!

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 aim to help you navigate the complexities of home financing, ensuring that you find a solution that fits your budget and lifestyle.

Personal Loans and Credit Lines

For those looking for quick access to cash or managing day-to-day expenses, we offer personal loans and credit lines with competitive rates. These options can be tailored to suit your specific financial situation.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. Our credit cards come with rewards and no hidden fees, making it easier for you to stay on top of your spending.

Loan Aggregator

Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures fair and transparent offers that users can trust. By gathering information only from reputable lenders, LendMesh guarantees that the comparisons are not just accurate but also reflective of current market conditions.

Key Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, ensuring users receive trustworthy information. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results that help users find the best options available. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed decisions quickly and easily. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and reliability of using LendMesh. 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.*