Desert Financial Credit Union Payson AZ | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Desert Financial, your trusted partner in financial wellness located at 300 N Beeline Hwy, Payson, AZ 85541. Established in 1939, we have proudly served our community for over eight decades, growing into a robust credit union with a total membership of 472,620 individuals. Our commitment to providing exceptional service is reflected in our total assets of $8,901,537,365 and total deposits amounting to $699,652,272. At Desert Financial, we understand that every member's financial journey is unique. That's why we offer a wide range of services tailored to meet your needs from checking and savings accounts to auto loans and personal financing options. With a dedicated team of 1,326 employees, led by our CEO Jeffrey Meshey and Board President Kevin Haskew, we strive to create a welcoming environment where you feel valued and supported. For those wishing to send official correspondence, please note that while you can visit us at our branch address for all your banking needs, any mail should be directed to our mailing address: PO Box 2945, Phoenix, AZ 85062. Our goal is not just to help you manage your finances but also to empower you to achieve your dreams. With total loans issued reaching 131,916, we are here to assist you in making the most of your financial opportunities. Whether you're looking for the best rates on loans or need guidance on saving for the future, Desert Financial is here for you. Feel free to reach out to us at 602-335-4080 or explore our services online at Desert Financial. We invite you to experience the difference that comes from being part of a credit union that truly cares about its members and their financial success. Visit us today!

Branch History & Mission

Welcome to the heart of our community at Desert Financial, where we have been serving the people of Payson, AZ since 1939. With a rich history that spans over eight decades, our branch has grown alongside the vibrant local community, evolving to meet the ever-changing needs of our members. Located at 300 N Beeline Hwy, Payson, AZ 85541, our branch is easily accessible for all your financial needs. As part of a larger network headquartered in Phoenix, AZ, we take pride in being a trusted partner in your financial journey. Over the years, Desert Financial has achieved impressive milestones with over 472,620 members and total assets reaching $8,901,537,365. Our growth reflects our commitment to providing excellent service and innovative financial solutions. At Desert Financial, our mission is straightforward: to enhance the financial well-being of our members while positively impacting our community. We believe in offering not just banking services but also support that empowers individuals and families. From personal banking options like checking and savings accounts to auto loans and mortgages, we strive to provide products that fit every stage of life. Our credit cards come with rewards designed to give back to you for choosing us. While members can visit us at 300 N Beeline Hwy for all their banking needs, official correspondence should be sent to PO Box 2945, Phoenix, AZ 85062. This ensures that your inquiries are addressed promptly and efficiently. In addition to traditional banking services, we embrace technology to enhance your experience. Our digital offerings include online and mobile banking options that allow you to manage your finances anytime and anywhere. We also provide ADA-compliant services so everyone can access their financial resources comfortably. Community engagement is at the core of what we do. We regularly participate in outreach programs and partnerships aimed at supporting local initiatives and improving lives in Payson and beyond. Whether it's through educational workshops or charitable donations, Desert Financial is dedicated to making a difference. Our operating hours are designed with you in mind: Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 2 PM. For those who prefer self-service options, our ATM is available 24/7 for cash withdrawals and balance inquiries. Join us today at Desert Financial! Experience the benefits of becoming a member of an institution that not only cares about your financial success but also values its role within the community. We invite you to explore how we can help you achieve your financial goals while contributing positively to Payson's growth. Reach out at 602-335-4080 or visit us online at Desert Financial for more information on how to become a member!

Branch Location & Accessibility

Get in Touch!

Have questions or want to learn more about how we can help you? Feel free to give us a call at 602-335-4080 or stop by during our operating hours. We look forward to welcoming you at Desert Financial!

Nearby Landmarks and Accessibility

Our branch is just a stone's throw away from popular spots like the Payson Walmart, making it simple to combine errands with your banking tasks. We prioritize accessibility for everyone, offering ADA-compliant features to ensure all members can visit us comfortably. You'll find ample parking available so you can hop in and out without any hassle.

Operating Hours

We understand that life gets busy! That's why our lobby is open Monday through Friday from 9 AM to 6 PM and on Saturday from 9 AM to 2 PM. If you need access outside of these hours, our ATM is available 24/7 for cash withdrawals and balance checks.

Services Offered

At Desert Financial, we provide a wide array of services tailored to meet your financial needs. From personal checking and savings accounts to auto loans, mortgage options, and even credit cards with rewards, we have something for everyone. Plus, with online and mobile banking options available, managing your finances has never been easier. While our branch does not feature a drive-thru service or shared service center, our friendly team is always ready to assist you inside the branch.

Member Eligibility

At Desert Financial, we believe that joining our community is more than just opening an account it's about becoming part of a family that cares. If you're looking to become a member, it's pretty simple! You can qualify for membership if you live, work, worship, or attend school in the areas we serve, which includes our wonderful local neighborhoods. We welcome individuals who share our values and are ready to experience the benefits of being part of a supportive financial institution. Becoming a member opens up a world of opportunities, from competitive loan rates to personalized service that makes your financial journey smoother. To learn more about the specific eligibility criteria and see if you qualify, feel free to check out this helpful resource: Eligibility Details. And when you're ready to take the next step, our friendly team is here to assist you at 300 N Beeline Hwy Payson Az 85541 or give us a call at (602) 335-4080. We can't wait to welcome you into the Desert Financial family!

Business Banking & Commercial Services

Merchant Services

In today's competitive landscape, effective payment solutions are crucial for success. Our merchant services streamline transactions so you can focus on what matters most growing your business. Whether you're a retail shop or an online service provider, we provide the tools you need to accept payments easily and securely. This means happier customers and more time for you to innovate and expand your offerings. Ready to take your business to the next level? Visit us at 300 N Beeline Hwy Payson Az 85541, Payson, AZ, or call us at (602) 335-4080 to learn more about how our business banking solutions can work for you!

Comprehensive List Of Services

Business Banking Made Simple

Running a business is no small feat, but at Desert Financial, we are here to support you with specialized business banking services. From merchant services that facilitate smooth transactions to tailored business loans, we aim to empower local businesses in our community.

Convenient Access Anytime

In today's fast-paced world, convenience is key. That's why we provide various ATM and cash withdrawal services, ensuring that you have access to your money whenever necessary. Our ATMs are available 24/7 for basic transactions like withdrawals and balance checks, giving you peace of mind knowing that your finances are just a few taps away. At Desert Financial, we're more than just a credit union; we're your financial partner committed to helping you achieve your goals. Visit us at 300 N Beeline Hwy Payson Az 85541 or call us at (602) 335-4080 today! Explore how our comprehensive range of services can enhance your financial journey because at the end of the day, it's all about making life easier for you.

Loan Options Tailored for You

If you're considering purchasing a new car or refinancing your home, look no further than our auto loans and vehicle financing options. With competitive rates and flexible terms, we make it easier for you to hit the road in style. Additionally, our mortgage loans and refinancing services can help make owning a home more achievable than ever. For those unexpected expenses or consolidating debts, our personal loans provide quick access to funds when you need them most. And don't forget about our credit cards with rewards, which offer great benefits while helping you manage your purchases effectively.

Personal Banking Solutions

We understand that managing personal finances can be challenging. That's why we offer personal banking solutions like checking and savings accounts designed for ease and accessibility. Imagine having the convenience of tracking your spending or saving for that dream vacation all from your mobile device with our intuitive online and mobile banking services. You can easily access your accounts anytime, anywhere.

Digital & Online Banking

At Desert Financial, we understand that convenience and security are key to your banking experience. That's why we offer a comprehensive suite of digital and online banking services designed to make managing your finances easier than ever. With our 24/7 online banking services available at https://www.desertfinancial.com/, you can check your account balances, pay bills, and transfer funds anytime, anywhere. Need to send money to a friend? Our person-to-person transfers make it simple and quick. Plus, if you're on the go, our mobile application allows you to do all this right from your smartphone. Security is a top priority for us. That's why we offer electronic signature authorization, ensuring that your transactions are safe and secure. You can also opt for e-statements, which not only help you keep track of your finances but also reduce paper clutter. If you're looking to simplify payments, our mobile payments feature makes it easy to pay for purchases directly from your phone. Just imagine the convenience of leaving your wallet behind while still having access to all your accounts! All these features come together to provide a user-friendly experience that empowers you with real-time account management. Whether you're at home or out and about, managing your finances has never been more accessible or straightforward. Join us at Desert Financial and discover how our digital banking services can enhance your financial journey!

Financial Strength

A Growing Community

We are pleased to report a strong community presence with a total of 1,037,935 share accounts. This shows that more people trust us with their finances every day. The net shares available for lending stand at $12,684,564, highlighting 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 300 N Beeline Hwy Payson Az 85541 or call (602) 335-4080 to learn more about how we can help you achieve your financial goals.

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

Member-Focused 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.

Operational Efficiency

Our $21,206,147 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We 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.

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 11.70% 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 new or used vehicle, our team is here to guide you through the process.

Business Financing

For business owners, our outstanding commercial loans totaling $738,175,373 provide the capital needed to grow and expand. We offer tailored solutions to fit your business needs, whether you're looking for equipment financing or working capital.

Credit Lines and Personal Loans

We also provide various personal loan options and credit lines that can help manage unexpected expenses or consolidate debt. With a total of $3,861,348,724 available in credit lines, we are committed to offering flexible borrowing solutions that work for you.

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 personalized support throughout the application process, ensuring you understand all your options.

Unsecured Credit Card Loans

Although currently we have no unsecured credit card loans available, our focus remains on providing valuable financial products that meet your needs effectively. If you're considering refinancing or need assistance determining eligibility for any of our loan products, don't hesitate to reach out. Our team at Desert Financial, located at 300 N Beeline Hwy Payson Az 85541, Payson, AZ, is ready to help you navigate your financial journey. You can contact us at (602) 335-4080 during our business hours: weekdays from 9 AM to 6 PM and Saturdays from 9 AM to 2 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Come visit us today and discover how we can assist you in achieving your financial aspirations!

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 compliance ensures that users receive fair and transparent offers, allowing them to trust the accuracy of the information they are viewing.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You can rest assured that you are comparing valid options. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Every listing is based purely on the best available rates. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can quickly see where they stand and make informed choices about their borrowing needs. 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!" Such testimonials highlight how effective this tool can be in helping individuals secure better financial terms. Take the guesswork out of finding your next loan. 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.*

DESERT FINANCIAL CREDIT UNION - Payson, AZ

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

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Loan rates in Payson, AZ (85541)

Introduction

Branch History & Mission

Branch Location & Accessibility

Get in Touch!

Nearby Landmarks and Accessibility

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Merchant Services

Comprehensive List Of Services

Business Banking Made Simple

Convenient Access Anytime

Loan Options Tailored for You

Personal Banking Solutions

Digital & Online Banking

Financial Strength

A Growing Community

Investments in Your Future

Member-Focused Savings

Operational Efficiency

Strong Financial Health

Loan Offering

Auto Loans

Business Financing

Credit Lines and Personal Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Ensuring Accurate Comparisons

Key Benefits of Using LendMesh

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