Desert Financial Credit Union Mesa AZ | Cheap Mortgage Refinance & Auto Loans

Introduction

Welcome to Desert Financial, your trusted financial partner located at 4405 E Mckellips Rd, Mesa, AZ 85215. Established in 1939, we have proudly served our community for over eight decades, growing alongside our members and adapting to their financial needs. With a robust membership of 472,620 and total assets reaching an impressive $8,901,537,365, we are committed to providing personalized banking solutions that empower you to achieve your financial goals. At Desert Financial, we understand that every member's journey is unique. That's why we offer a diverse range of services including checking and savings accounts, auto loans, mortgage options, personal loans, and business banking solutions. Our dedicated team of 1,326 employees, led by CEO Jeffrey Meshey and Board President Kevin Haskew, is here to guide you every step of the way. We pride ourselves on our strong financial foundation, with total deposits amounting to $699,652,272 and a net worth of $1,033,536,095. Our commitment to sound financial practices ensures that your money is not just safe but also working for you. We maintain a healthy balance between loans and deposits with over 131,916 loans provided to our members. While members can visit us at our Mesa branch for all their banking needs, official correspondence should be sent to our mailing address: PO Box 2945, Phoenix, AZ 85062. Whether you prefer face-to-face interactions or online banking services like mobile payments and e-statements available through our website at desertfinancial.com, we've got you covered. We invite you to experience the difference of being part of a credit union that truly cares about its members. Stop by our branch or give us a call at 602-335-5880 today! Let's work together towards your financial success.

Branch History & Mission

Community Focus

Our dedication goes beyond numbers; it extends into the heart of the community. We actively engage in outreach efforts, support local initiatives, and partner with organizations to foster growth and development within Mesa. By choosing Desert Financial, you're not only securing your financial future but also contributing to a stronger community. While members can visit us at our Mesa branch for all their banking needs, official correspondence should be directed to PO Box 2945, Phoenix, AZ 85062. Join us at Desert Financial as we continue our journey of service and support. Experience firsthand how we can help you navigate your financial path with confidence. Together, let's build a brighter future! For more information or assistance, feel free to contact us at 602-335-5880 or visit our website at Desert Financial.

Our Mission

At Desert Financial, our mission is clear: to empower our members by providing quality financial services that enhance their lives while supporting the communities we serve. We believe in putting people first this means offering personalized banking solutions like checking and savings accounts, auto loans, mortgage loans, and even business banking services. Our goal is to help you achieve your financial dreams while making a positive impact in Mesa and beyond. We are not just about banking; we are about building relationships. Our members can expect friendly service whether visiting us during our convenient operating hours Monday through Friday from 9:00 AM to 6:00 PM or Saturday from 9:00 AM to 1:00 PM or using our 24-hour ATM services. We also offer drive-thru banking for quick transactions. In addition to traditional banking methods, Desert Financial embraces modern technology with online and mobile banking options. We ensure that all members have access to easy-to-use digital tools that make managing finances simple and efficient.

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ramps to ensure everyone can enjoy our services comfortably. We also provide ample parking for both regular and disabled vehicles.

Operating Hours

We understand that your time is valuable. That's why we offer flexible operating hours! You can visit us Monday through Friday from 9:00 AM to 6:00 PM, and on Saturdays from 9:00 AM to 1:00 PM. If you need access outside of these hours, our ATM is available around the clock for your convenience.

Our Mailing Address

While members can visit us at our main location, official correspondence should be sent to PO Box 2945, Phoenix, AZ 85062.

Services Available

At Desert Financial, we offer a range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Need assistance? Our drive-thru banking makes it simple for you to complete transactions without leaving your vehicle.

Visit Us Today!

Whether you're looking to open an account or need help with a loan, our friendly staff is ready to assist you. Don't hesitate to give us a call at 602-335-5880 or stop by our Mesa location. We look forward to welcoming you into the Desert Financial family!

Member Eligibility

Joining the Desert Financial family is more than just opening an account; it's about becoming part of a warm and welcoming community that truly cares about its members. To become a member at Desert Financial, you simply need to meet some straightforward eligibility criteria. If you live, work, worship, or attend school in the areas we serve, you're likely already eligible! We believe everyone deserves access to personalized financial services and support. For detailed information on who can join us, feel free to check out our eligibility page at http://www.desertfinancial.com/en/who-we-are/become-a-member. Once you're ready to take that step towards membership, opening your account is a breeze. You can start this exciting journey by visiting us at our branch located at 4405 E Mckellips Rd Mesa Az 85215, or by giving us a call at (602) 335-5880. Our friendly team is here to guide you through the process and help you unlock all the benefits that come with being part of Desert Financial. 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

Imagine being able to accept payments anytime, anywhere. Our merchant services make it easy for businesses like yours to process transactions efficiently. From mobile payment solutions to online processing, we help you cater to your customers' needs while simplifying your operations. Visit us at 4405 E Mckellips Rd Mesa Az 85215, Mesa, AZ, or call us at (602) 335-5880 to learn how our business banking and commercial services can help you thrive in today's competitive market.

Comprehensive List Of Services

Business Banking Solutions

For our business members, we offer comprehensive Business Banking services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we are here to support your growth every step of the way.

Convenient Digital Access

In today's fast-paced world, having access to your accounts anytime is crucial. That's why we offer robust Online & Mobile Banking features. You can check balances, transfer funds, and pay bills from the comfort of your home or on-the-go using our mobile app. Our ATMs are available 24/7 for cash withdrawals and balance checks, ensuring you have easy access whenever you need it.

Home Sweet Home Financing

If you're ready to buy a house or refinance an existing mortgage, our Mortgage Loans & Refinancing options can help you navigate the journey. Picture yourself moving into your new home with a plan that suits your budget and financial goals. For those unexpected expenses or consolidating debt, our Personal Loans & Debt Consolidation services offer flexible solutions without unnecessary stress.

In-Person Services

For those who prefer face-to-face interactions, our branch provides basic drive-thru banking services where you can make deposits and withdrawals quickly. Our friendly staff is always ready to assist you with any questions or transactions during lobby hours from 9:00 AM to 6:00 PM on weekdays and 9:00 AM to 1:00 PM on Saturdays. We invite you to explore all that Desert Financial has to offer. With a strong commitment to serving our community, we strive to provide exceptional service tailored just for you. For more information or assistance, don't hesitate to reach out by calling us at (602) 335-5880 or visiting our website at Mckellips. Join us in achieving your financial dreams today!

Personal Banking Made Easy

We understand that managing personal finances can be overwhelming. That's why our Personal Banking services include checking and savings accounts tailored to fit your lifestyle. Imagine easily tracking your spending while enjoying the peace of mind that comes with competitive interest rates. Our members also benefit from Auto Loans & Vehicle Financing, making it easier than ever to get behind the wheel of your new car.

Rewarding Credit Options

When it comes to credit, we provide options that give back. Our Credit Cards with Rewards allow you to earn points on everyday purchases, turning routine expenses into exciting rewards.

Digital & Online Banking

Key Features

Our online banking platform is user-friendly, making it easy for you to check balances, pay bills, and transfer funds with just a few clicks. You can even send money directly to friends or family with our person-to-person transfer feature, ensuring that sharing expenses is quick and simple. Security is a top priority for us. We use advanced measures to keep your personal information safe while giving you the flexibility to manage your accounts from home or on the go. Plus, with electronic signature authorization available, signing documents has never been easier or more secure.

Mobile Accessibility

For those who prefer banking on their smartphones, our mobile application provides all the features you need right at your fingertips. Whether you're making mobile payments or viewing e-statements, everything is accessible in one convenient app. It's perfect for busy members who want to stay organized while out and about. With these tools, you gain real-time control over your finances. Whether you're checking recent transactions or setting up recurring payments, our digital services empower you to take charge of your financial life without the hassle of traditional banking. Explore all the digital banking options available at Desert Financial today and see how we can make managing your money easier than ever!

Financial Strength

Investing Back into Our Services

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

Member Savings Secured

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.

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.

Our 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.

Trust Built on Community

Total Share Accounts stand at 1,037,935, showcasing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $12,684,564, underscoring our ability to support your needs 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 4405 E Mckellips Rd Mesa Az 85215 or call (602) 335-5880 to learn more about how we can help you achieve your financial goals.

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 need assistance with purchasing a reliable used car, we have options that cater to your needs.

Commercial 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 businesses face and offer tailored solutions to support your ventures. If you're considering refinancing any existing loans or want to know more about eligibility options, feel free to reach out. Our knowledgeable staff is here to answer all your questions and guide you through the application process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Contact us today at (602) 335-5880 to learn more about how our loan offerings can help you take the next step towards achieving your financial aspirations!

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 can guide you through the process and ensure that you find a mortgage that fits within your budget and meets your long-term financial plans.

Unsecured Credit Card Loans

For those looking for flexibility in managing everyday expenses, we also offer flexible terms on unsecured credit card loans. While currently there are no total unsecured credit card loans issued, our options can help members manage their finances effectively when they become available.

Loan Aggregator

Ensuring Accurate 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 means you receive fair and transparent offers that reflect current market conditions. The platform emphasizes verified data, ensuring that all loan offers come from legitimate financial institutions. This approach builds trust and helps users feel confident in their choices.

Key Benefits of Using LendMesh

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