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

Introduction

Welcome to Desert Financial, your trusted partner in financial wellness, located at 20797 N John Wayne Pkwy, Maricopa, AZ 85139. With a commitment to serving our community since 1939, we have grown into a robust credit union with over 472,620 members who rely on us for their banking needs. As a member-focused institution, we take pride in offering personalized services that meet the diverse financial needs of our community. At Desert Financial, we understand that your financial goals are unique. That's why we offer a variety of products including checking and savings accounts, auto loans, mortgages, and business banking solutions. Our total assets amount to an impressive $8,901,537,365, demonstrating our stability and capability to support you on your financial journey. We also maintain significant liquidity with $27,757,154 in cash readily available. Our leadership team is dedicated to fostering trust and transparency. Under the guidance of our CEO, Jeffrey Meshey, and Board President, Kevin Haskew, we strive to create an environment where you feel valued and understood. Our skilled staff of 1,326 employees is here to assist you every step of the way. For those wishing to reach us by mail, please direct correspondence to PO Box 2945, Phoenix, AZ 85062. Whether you're looking to open a new account or need advice on loans our doors are always open! Visit us during lobby hours from 9 AM to 6 PM on weekdays or from 9 AM to 2 PM on Saturdays. Don't forget that our ATM is available 24/7 for your convenience! Ready to take the next step? Give us a call at 602-335-4490 or explore more about our services at Desert Financial. We look forward to welcoming you into the Desert Financial family!

Branch History & Mission

Welcome to the heart of Maricopa, where the legacy of Desert Financial began in 1939. Since opening our doors, we have been dedicated to serving our community with integrity and a genuine commitment to member welfare. Nestled at 20797 N John Wayne Pkwy, Maricopa, AZ 85139, our branch has grown alongside its members, providing financial solutions tailored to their needs and dreams. Over the decades, we have evolved from a small credit union into a trusted financial partner for over 472,620 members. Today, we proudly manage total assets amounting to $8,901,537,365, reflecting not just growth but the trust placed in us by our community. Our mission is clear: to empower every member with the financial tools and support they need to thrive. We are more than just a place for transactions; we are a community cornerstone focused on fostering financial well-being. At Desert Financial, we believe that banking should be accessible and convenient. While you can visit us at our branch location for personal service, official correspondence should be sent to our mailing address at PO Box 2945, Phoenix, AZ 85062. Our operating hours are designed with your busy lifestyle in mind: Monday through Friday from 9 AM to 6 PM, and Saturdays from 9 AM to 2 PM. And for those late-night inquiries or transactions? Our ATM services are available 24/7, ensuring you can access your funds whenever you need. We prioritize creating a welcoming environment where everyone feels valued. Although we do not currently offer drive-thru services or shared service centers, we focus on enhancing accessibility through ADA-compliant facilities and innovative digital banking options like online banking and mobile payments. Our goal is to serve you better each day. Community engagement remains at the forefront of our mission. We actively seek partnerships that uplift local initiatives and outreach programs that inspire change within Maricopa and beyond. By supporting local businesses and participating in events that promote financial literacy, we strive to make a positive impact every day. As we look towards the future, we invite you to join us on this journey. Experience firsthand the benefits of being part of Desert Financial a place where your dreams matter as much as your finances. Whether you're looking for personal banking solutions or business financing options, we're here for you every step of the way. Come visit us or explore more about our offerings at Desert Financial. Let's build a brighter financial future together!

Branch Location & Accessibility

Accessibility Features

Our branch is fully accessible for everyone. We have parking available right outside the entrance, complete with ADA-compliant features to ensure all members can easily access our services.

Call to Action

We invite you to stop by Desert Financial at Maricopa Frys today! Come meet our team and discover how we can help you achieve your financial goals. We're excited to serve you!

Operating Hours

We understand that life gets busy! That's why we offer flexible operating hours to accommodate your schedule. Our lobby is open from 9 AM to 6 PM on weekdays and from 9 AM to 2 PM on Saturdays. For those late-night needs, our ATM is available 24 hours a day for cash withdrawals and balance inquiries.

Services Offered

At Desert Financial, we pride ourselves on offering a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Our friendly staff is ready to assist with everything from credit cards with rewards to business banking solutions. If you're looking for drive-thru service, please note that we do not offer this feature at this location. However, our team is always available inside the branch or via phone at 602-335-4490 if you have any questions or need assistance.

Member Eligibility

Joining the welcoming community at Desert Financial is easier than you might think! If you're looking for a place that values its members and offers a range of financial services, you've come to the right spot. To become a member, you'll generally need to be a resident of Arizona or have a family member who is already part of our credit union family. We pride ourselves on being inclusive and supportive, so whether you're just starting your financial journey or you're a seasoned pro, there's a place for you here. For the full details on eligibility requirements, feel free to check out our dedicated page at http://www.desertfinancial.com/en/who-we-are/become-a-member. Once you've confirmed your eligibility, opening an account with us is a breeze. Just swing by our branch located at 20797 N John Wayne Pkwy Maricopa Az 85139, or give us a call at (602) 335-4490 if you have any questions. Our friendly team is here to guide you every step of the way as you unlock all the benefits of membership at Desert Financial!

Business Banking & Commercial Services

Merchant Services That Work for You

Beyond loans, our merchant services offer practical tools that make transactions easier for your business. Whether you're processing payments or managing finances, we provide user-friendly solutions tailored to fit your operational needs. Imagine running your business more efficiently while keeping customer satisfaction at the forefront. Visit us at 20797 N John Wayne Pkwy Maricopa Az 85139 or call us at (602) 335-4490 to learn how we can help your business thrive!

Tailored Business Loans

Imagine launching your dream venture or expanding your existing business with the right financial backing. 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.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our auto loans provide competitive rates and flexible terms that make financing your next car easier than ever. Imagine driving off in your dream car while knowing you've secured a great deal with our straightforward loan process.

Business Banking

For local entrepreneurs, we understand that running a business comes with unique challenges. That's why we offer specialized business banking services including merchant services and business loans to help you grow and succeed in your venture.

Convenient Access

To ensure banking is hassle-free, we also provide ATM services for cash withdrawals and balance checks 24/7. Even if you can't visit us during lobby hours Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 2 PM you'll still have access to your funds whenever needed. At Desert Financial, we are committed to making financial wellness accessible for everyone in our community. If you have any questions about our services or need assistance, don't hesitate to reach out at (602) 335-4490. Let us partner with you on your financial journey today! Visit us online at Maricopa Frys for more information or to get started!

Credit Cards with Rewards

Our credit cards come with rewards programs that make every purchase count! Enjoy cashback offers or points towards travel and experiences simply by using your card for everyday purchases.

Mortgage Loans & Refinancing

If homeownership is in your plans, we offer mortgage loans that can help turn those dreams into reality. Our refinancing options are also available for those looking to lower their monthly payments or tap into their home's equity. With expert guidance from our team, you can find the right mortgage solution tailored to your needs.

Personal Banking

Whether you're just starting out or looking to manage your wealth, our personal banking options have got you covered. We offer checking and savings accounts designed to fit different lifestyles and goals. You can easily access your accounts anytime through our online and mobile banking services, making it simple to check balances, transfer funds, or pay bills on the go.

Personal Loans & Debt Consolidation

Life can bring unexpected expenses. That's why we provide personal loans and debt consolidation options to help you manage costs more effectively. Whether it's for a home project, medical expenses, or consolidating high-interest debts, we are here to support you with manageable payment solutions.

Digital & Online Banking

Mobile Banking at Your Fingertips

Our mobile application puts all these features right in your pocket! With easy access to mobile payments and person-to-person transfers, sharing expenses with friends or family has never been easier. Just tap on your phone to send money instantly no hassle involved!

Real-Time Management

You can rest assured knowing that managing your money is just a click away. Our 24/7 online banking services ensure that whether it's day or night, you're always in control of your finances. Explore these convenient features today and take charge of your banking experience with Desert Financial!

Secure Transactions Made Simple

We know that security is a top concern when it comes to banking online. That's why we provide electronic signature authorization, allowing you to sign documents securely without needing to visit a branch. Whether you're applying for a loan or setting up new accounts, you can do it all from the comfort of your home.

Stay Organized with E-Statements

Forget about piles of paperwork! With our e-statements feature, available for all members, you can receive your account statements directly in your inbox. This not only helps keep your financial information organized but also adds an extra layer of security.

Your Online Banking Portal

With our online banking platform, accessible at https://www.desertfinancial.com/, you can manage your accounts 24/7. This means no more rushing to the bank before closing time or waiting in long lines. You can check your balance, pay bills, and transfer money whenever it suits you. Plus, our user-friendly interface makes navigation a breeze for everyone, regardless of tech-savviness.

Financial Strength

A Solid 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.

Growing Together

We currently manage total share accounts of 1,037,935, showing a strong and growing member base that trusts us with their finances. Additionally, net shares available for lending and investments amount to $12,684,564, illustrating our capacity to support your needs. 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 20797 N John Wayne Pkwy Maricopa Az 85139 or call (602) 335-4490 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

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 is further showcased by having $35,444 in used auto loans and $4,226,064,464 in total loans and leases, which support our members' financial goals across various sectors.

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 Opportunities

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.

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 vehicle or a reliable pre-owned option, our team is ready to assist you throughout the process.

Business Loans

For business owners, our outstanding commercial loans totaling $738,175,373 provide the capital needed to grow and expand. We understand the unique challenges faced by businesses today and are here to support your entrepreneurial journey. If you're interested in learning more about our loan offerings or exploring eligibility options, don't hesitate to reach out! You can contact us at 602-335-4490 or visit us at our branch located at 20797 N John Wayne Pkwy Maricopa AZ 85139. 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 towards achieving your financial dreams!

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 provide flexible terms and competitive interest rates to ensure you find a plan that suits your budget. If you're considering refinancing your existing mortgage for better terms or lower payments, we can help with that too.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This product can be particularly useful for those looking to build credit or handle unexpected expenses without collateral.

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. With a focus on transparency and reliability, LendMesh serves as a trusted resource for consumers seeking the best loan options available. 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 that users receive fair and transparent offers when comparing loans. By prioritizing accurate information, LendMesh helps consumers avoid surprises and make informed decisions about their borrowing needs. One of the core strengths of LendMesh is its commitment to verified data. Loan offers are sourced from legitimate financial institutions, ensuring that users have access to authentic and reliable information. Additionally, LendMesh does not prioritize lenders based on paid promotions there are no sponsored listings. This commitment to unbiased results means that users can trust they are seeing the best available options without any hidden influences. With real-time rate comparisons, LendMesh provides up-to-date loan rates from multiple institutions, allowing users to make informed choices quickly. 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!" If you're looking to compare loans efficiently and transparently, consider using LendMesh's comparison tool. 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.