Desert Financial Credit Union Phoenix AZ | Affordable Vehicle Loans & Online Banking

Introduction

Welcome to Desert Financial, your trusted partner in personal and business banking solutions right here in the heart of Phoenix, AZ. Located at 411 N Central Ave Ste 140, Phoenix, AZ 85004, our branch has been serving the community since 1939, building lasting relationships with over 472,620 members. We're proud to manage total assets of $8,901,537,365, ensuring that your finances are in safe hands. 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 mortgages. With a total of 131,916 loans and leases under our management, we have the experience and resources to help you achieve your financial goals. Our commitment to you goes beyond just numbers. Under the guidance of our dedicated CEO, Jeffrey Meshey, and Board President, Kevin Haskew, we strive to create a welcoming environment where members can feel valued and supported. Our team of 1,326 employees is always ready to assist you with personalized service whether you're visiting us in person or using our online banking platform. While members can visit us at our branch address, 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 by phone at 602-433-7000. Join us at Desert Financial today and experience how our community-focused approach can make a difference in your financial life! For more information about membership or to explore our services further, visit us online at Desert Financial. Your future starts here!

Branch History & Mission

Join Us Today

As we look ahead, Desert Financial continues to prioritize accessibility and customer-centric initiatives. With our robust range of services including checking and savings accounts, auto financing options, credit cards with rewards, and more we invite you to experience the benefits of being part of our credit union family. Join us today and let us help you navigate your financial future with confidence! For more information or assistance, please call us at 602-433-7000 or visit our website at Desert Financial. Together, let's build a brighter financial future!

Mission Statement

At the heart of Desert Financial lies a steadfast mission: to improve the financial well-being of our members while making a positive impact in the communities we serve. We believe in providing personalized service that meets the unique needs of each member. Whether through competitive rates on loans or community initiatives that foster growth and sustainability, we are here to support you every step of the way. While members can visit us at 411 N Central Ave Ste 140, official correspondence should be sent to 148 N 48th St, Phoenix, AZ 85034. We understand that convenience matters; hence our branch operates Monday through Friday from 9 AM to 6 PM and on Saturday from 9 AM to 1 PM, with ATMs available 24/7 for your ease.

Our Story

Desert Financial began with a simple mission: to serve our members and help them achieve their financial dreams. Over the decades, we have expanded our offerings beyond basic banking services to include auto loans, mortgages, personal loans, and business banking. Our commitment to innovation is evident in our digital advancements such as online banking and mobile payments. We strive to make banking accessible and convenient for everyone. Our growth is not just about numbers; it's about building relationships within our community. We partner with local organizations and engage in outreach efforts that support education and financial literacy. This dedication ensures that we are not just a bank but a trusted ally in our members' journeys towards financial wellness.

Branch Location & Accessibility

Welcome to Desert Financial, located at 411 N Central Ave Ste 140 in the vibrant heart of Phoenix, Arizona! Our branch is easily accessible and designed to meet your banking needs with convenience and care. Nestled near popular landmarks, including the iconic Arizona State University Downtown campus and just a stone's throw from the bustling CityScape area, you'll find it easy to stop by while exploring the city. At Desert Financial, we prioritize making your visit as smooth as possible. Our branch offers ample parking for members, along with ADA-compliant features ensuring everyone can access our services comfortably. While members can visit us at our branch address, any official correspondence should be directed to our mailing address at 148 N 48th St, Phoenix, AZ 85034. We understand that your time is valuable. That's why we're open weekdays from 9 AM to 6 PM and Saturdays from 9 AM to 1 PM, so you can bank when it suits you best. Plus, for those late-night cash needs, our ATM is available 24 hours a day! While you're here, take advantage of our wide range of services. Whether you're looking to set up checking or savings accounts, apply for auto loans or mortgages, or explore personal loans and credit card options with rewards our friendly team is ready to assist you. Although we currently don't have drive-thru banking available, our staff is dedicated to providing quick and efficient service inside the branch. If you have questions or need assistance before your visit, feel free to give us a call at 602-433-7000. We look forward to welcoming you at Desert Financial!

Member Eligibility

At Desert Financial, we believe that joining our community should feel like coming home. Becoming a member is easy and welcoming for anyone who lives, works, or worships in the area, along with their family members. Whether you're looking to open a checking account, save for the future, or secure a loan, our supportive team is here to guide you every step of the way. You'll enjoy personalized service and access to a range of financial products designed just for you. To find out more about the specific eligibility requirements, feel free to visit our website at http://www.desertfinancial.com/en/who-we-are/become-a-member. If you have any questions or need assistance, don't hesitate to give us a call at (602) 433-7000. We're excited to welcome you into the Desert Financial family at our branch located at 411 N Central Ave Ste 140 Phoenix Az 85004!

Business Banking & Commercial Services

Commercial 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 a reliable partner who streamlines your payment processes. Our merchant services at Desert Financial allow you to accept payments easily and efficiently, whether you're operating online or in-store. With user-friendly tools designed for businesses of all sizes, you can focus on what matters most growing your business while we handle the transactions. Visit us at 411 N Central Ave Ste 140 Phoenix Az 85004 in Phoenix, AZ or call us at (602) 433-7000 to learn more about how our business banking and commercial services can support your journey!

Comprehensive List Of Services

Business Banking Support

If you're a business owner, our business banking services include merchant services and business loans designed to help your company thrive. From managing cash flow to expanding operations, we understand what it takes to run a successful business and are here to support you every step of the way.

Convenient Access Anytime

In addition to these great services, our online and mobile banking features make accessing your accounts easier than ever. With 24-hour ATM access and mobile payments available, managing your finances is simple no matter where life takes you. We invite you to experience all that Desert Financial has to offer at Asu Downtown. Feel free to reach out at (602) 433-7000 if you have any questions or would like assistance with opening an account. Your financial journey starts here let us help guide you along the way!

Credit Cards with Rewards

Don't forget about our credit cards with rewards! They allow you to earn points on everyday purchases, which can be redeemed for travel, merchandise, or cash back. It's like getting paid for spending!

Home Financing Options

Thinking about buying a home? We provide mortgage loans and refinancing options that cater to various financial situations. Our experts are ready to walk you through the application process, helping you find the best mortgage terms available. With our support, owning a home can be less daunting and more rewarding.

Personal Banking Solutions

Starting with personal banking, our checking and savings accounts are designed to help you manage your money efficiently. Imagine having an account that not only keeps your funds secure but also helps you grow your savings through competitive interest rates. You can easily access your accounts online or via our mobile banking app, making it convenient to check balances and transfer funds on the go.

Personal Loans for Your Needs

For those unexpected expenses or projects you've been putting off, our personal loans and debt consolidation services are here to help. Whether you're planning a home renovation or need assistance with medical bills, we offer flexible repayment options tailored to your lifestyle.

Vehicle Financing Made Easy

When it comes to auto loans and vehicle financing, Desert Financial offers competitive rates that make purchasing a new or used car achievable. Our friendly loan officers will guide you through the process, ensuring you find a loan that fits your budget. Picture driving away in your dream car, confident that you've made a smart financial choice.

Digital & Online Banking

Key Services

Our online banking platform allows you to check balances, transfer funds, and pay bills right from your computer or mobile device. For those who prefer using their smartphones, our mobile application is user-friendly and packed with features to enhance your banking experience. You can also make quick and easy person-to-person transfers, so sending money to friends or family is just a few taps away.

Real-Time Account Management

With our digital banking services, you have real-time access to your accounts. This means you can monitor your spending, set budgets, and receive alerts about important transactions all tailored to help you stay on top of your finances effortlessly. At Desert Financial, we believe that banking should be as flexible as you are. Discover how easy managing your money can be by visiting us online today!

Security and Accessibility

Security is a top priority at Desert Financial. Our electronic signature authorization feature ensures that your transactions are safe and compliant. Plus, with e-statements available, you can access your financial documents anytime without the hassle of paper clutter. We also support mobile payments, making it simple to shop securely with your phone wherever you go. Whether you're grabbing coffee or shopping for groceries, you can pay confidently knowing your information is protected.

Financial Strength

At Desert Financial, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. As part of our commitment to transparency, we want to share insights into our financial strength, which reflects our dedication to serving you reliably. 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. 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. 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. Additionally, with $35,444 in used auto loans and $4,226,064,464 in total loans and leases, our lending capacity supports members' financial goals across various sectors. 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. Net Shares (Funds available for lending and investments): $12,684,564. Total Share and Deposit Accounts: 1,037,935, showing a strong and growing member base that trusts us with their finances. 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 411 N Central Ave Ste 140 Phoenix Az 85004 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.*

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 and help you secure the best deal possible.

Business Financing

For business owners looking to grow, our outstanding commercial loans totaling $738,175,373 provide the capital needed to expand operations and invest in new opportunities. We understand the unique challenges faced by businesses today and strive to offer solutions that support your entrepreneurial journey. At Desert Financial, we pride ourselves on personalized service and transparency. You can trust us to help you find the right loan option tailored just for you. If you're ready to explore what we have to offer or have questions about refinancing or eligibility options, don't hesitate to reach out at (602) 433-7000. For more information about our loan offerings and how they can benefit you, please visit us at http://www.desertfinancial.com. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 a variety of mortgage products that can fit your budget and financial situation. Plus, if you're considering refinancing, our team can assist you in exploring eligibility options that could save you money over time.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging, but our flexible terms on unsecured credit card loans allow for easy financial management. While currently we have a total of $0 in loans available, we are dedicated to helping our members navigate their spending while building their credit.

Loan Aggregator

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