Desert Financial Credit Union Phoenix AZ | Best Auto Loans & Rewards Cards

Introduction

Welcome to Desert Financial, your trusted partner in financial well-being since 1939. Located at 2500 N 44th St, Phoenix, AZ 85008, we take pride in serving our community with dedication and care. With a robust membership of 472,620, we are committed to providing personalized banking solutions tailored to meet your unique needs. At Desert Financial, we understand that financial stability is essential for you and your family. Our total assets stand at an impressive $8,901,537,365, enabling us to offer a wide range of products and services. Whether you're interested in auto loans, mortgage financing, or personal banking options, our team is here to help. We have issued 131,916 loans and leases, reflecting our commitment to empowering our members through accessible credit. While members can visit us at our branch location, official correspondence should be sent to PO Box 2945, Phoenix, AZ 85062. This ensures that your important documents reach us safely and efficiently. Under the leadership of CEO Jeffrey Meshey and Board President Kevin Haskew, Desert Financial continues to flourish as a pillar of the community. With over 1,326 employees, we are not just a credit union; we are your neighbors working hard to support your financial goals. Our net worth of $1,033,536,095 and total deposits amounting to $699,652,272 demonstrate our strength and reliability as a financial institution. We invite you to explore all that we have to offer by visiting our website at Desert Financial. Whether you have questions or need assistance with your accounts, feel free to call us at 602-335-8320. Join us on this journey towards financial empowerment and discover how Desert Financial can make a positive impact on your life today!

Branch History & Mission

At Desert Financial, we take pride in our rich history and unwavering commitment to the community. Founded in 1939, our branch has grown from humble beginnings into a thriving financial institution serving over 472,620 members. Located at 2500 N 44th St, Phoenix, AZ 85008, we are proud to be a part of this vibrant city, offering essential financial services while fostering lasting relationships with our members. Over the years, Desert Financial has seen remarkable growth and evolution. From our early days, we've focused on providing accessible financial solutions tailored to meet the needs of our community. Today, with total assets reaching an impressive $8,901,537,365, we continue to expand our offerings to ensure that every member can achieve their financial goals. Our commitment is not just to provide services but also to empower individuals through education and support. Our mission statement reflects this dedication: "To serve as a trusted partner in your financial journey." We believe that everyone deserves access to quality financial services, whether it's opening a checking account or applying for a mortgage. Beyond just banking, we are deeply invested in community outreach initiatives and partnerships that make a real difference. From local charities to educational programs, we strive to uplift those around us. While members can visit us at 2500 N 44th St, official correspondence should be sent to PO Box 2945, Phoenix, AZ 85062. Our branch operates Monday through Friday from 9:00 am to 6:00 pm and on Saturdays from 9:00 am to 1:00 pm. For those who need quick access to cash or banking services outside of regular hours, our ATM is available 24/7. As we look toward the future, we remain committed to leveraging technology for your benefit. With features like online banking and mobile payments, managing your finances has never been easier. We also prioritize accessibility; our facilities are ADA compliant so that everyone can enjoy our services. At Desert Financial, we're more than just a credit union; we're a community partner dedicated to helping you thrive financially. We invite you to join us and experience firsthand the benefits of membership. Together, let's build a brighter future for ourselves and our community! If you're ready to take the next step in your financial journey with us or want more information about becoming a member, don't hesitate to reach out at 602-335-8320 or visit us online at Desert Financial.

Branch Location & Accessibility

Convenient Access

At Desert Financial, we understand that accessibility is key. Our branch features ADA-compliant facilities, ensuring everyone can navigate our space comfortably. Parking is ample and easy to find, so you won't have to worry about where to leave your car when you visit us.

Get in Touch!

Whether you're stopping by or just want to chat about your banking options, feel free to call us at 602-335-8320. If you're sending us official correspondence, please use our mailing address at PO Box 2945, Phoenix, AZ 85062. We can't wait to welcome you into the Desert Financial family come visit us soon!

Operating Hours & Services

We're open Monday through Friday from 9:00 AM to 6:00 PM and on Saturdays from 9:00 AM to 1:00 PM. Whether you need to open a new account, apply for a loan, or simply ask questions about our services, our team is ready to assist you during these hours. Plus, for those times when you need cash outside of business hours, our ATM is available 24/7 for withdrawals and balance checks. Although we don't currently offer drive-thru banking at this location, rest assured that our dedicated staff is always available inside to provide quick and efficient service. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have a range of services designed with our members in mind.

Member Eligibility

Becoming a member of Desert Financial is like joining a family that truly cares about your financial well-being. If you're living, working, or attending school in Arizona, you're already on the path to membership! Plus, if you have a family member who's part of our credit union, that opens the door for you too. At Desert Financial, we pride ourselves on creating a welcoming environment where everyone can access tailored financial solutions and resources to help them thrive. Getting started is simple! You can find more detailed eligibility criteria by visiting this link. Once you're ready, just reach out to us at (602) 335-8320 for any questions or to begin your account opening journey. We can't wait to welcome you to our community at 2500 N 44Th St Phoenix Az 85008!

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

In today's fast-paced market, efficient payment processing is crucial. Our merchant services provide easy solutions for accepting payments, allowing you to focus on what matters most growing your business. Imagine a local café that seamlessly processes transactions while serving customers quickly; that's the power of our merchant services. Located at 2500 N 44Th St Phoenix Az 85008 in Phoenix, AZ, we invite you to discover how we can partner with you to elevate your business potential. For inquiries, call us at (602) 335-8320 or visit our website at https://www.desertfinancial.com/.

Comprehensive List Of Services

Business Banking

If you're a business owner, we haven't forgotten about you! Our business banking services, including merchant services and business loans, are designed to support your growth and success. We know that running a business comes with its own set of challenges, so we're here to help streamline your financial operations.

Credit Cards and Rewards

For those who like to earn while they spend, our credit cards with rewards program offers points on every purchase, giving you more value from your everyday spending. It's an excellent way to save on future purchases or enjoy some extra perks.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. Check balances, transfer funds, or pay bills right from your smartphone or computer. Plus, our ATM services provide easy access for cash withdrawals and balance checks whenever you need it.

Get in Touch!

With all these services at Desert Financial, we aim to empower our members with the tools they need for financial success. If you have any questions or would like to learn more about how we can assist you on your financial journey, don't hesitate to reach out! Call us at (602) 335-8320 or visit us in person at our branch located at 2500 N 44Th St Phoenix Az 85008. Join us today and experience the personalized service that sets us apart!

Personal Banking

Our personal banking services include checking and savings accounts that are tailored to fit your lifestyle. Whether you're saving for a special occasion or just need a reliable account for everyday transactions, we have options that work for you. If you're considering buying a new car, our auto loans and vehicle financing solutions can help you get behind the wheel with confidence. We offer competitive rates and flexible terms to ensure your loan fits your budget. When it comes to home ownership, our mortgage loans and refinancing options make it simpler than ever to secure a place you can call your own. We also provide personal loans and debt consolidation services to help you manage your expenses effectively. With these tools, achieving your financial goals is within reach.

Digital & Online Banking

Key Features

With our online banking platform available at https://www.desertfinancial.com/, you can access your accounts anytime, day or night. This means real-time account management is just a click away! Want to view your statements? You can opt for e-statements, which are not only eco-friendly but also allow you to keep track of your finances without the clutter of paper. For those who prefer using their mobile devices, our user-friendly mobile application is available for download. It includes features like mobile payments, so you can pay bills or make purchases directly from your phone. Plus, with person-to-person transfers, sending money to friends and family has never been easier.

Security and Accessibility

We take your security seriously. Our electronic signature authorization makes it simple to sign documents securely online, ensuring that your sensitive information is protected every step of the way. Our 24/7 online banking services mean you have control over your finances whenever you need it. With all these features combined, Desert Financial offers a comprehensive digital banking experience that prioritizes both convenience and security. Join us today to take full advantage of our innovative services!

Financial Strength

Commitment to Member 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 members' financial goals with $35,444 in used auto loans and $4,226,064,464 in total loans and leases. Our operational efficiency is reflected in our $60,601,487, 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.

Growing Member Trust

Total Share and Deposit Accounts stand at 1,037,935, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments are at $12,684,564, further emphasizing our commitment to supporting your financial journey. 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 2500 N 44Th St Phoenix Az 85008 or call (602) 335-8320 to learn more about how we can help you achieve your financial goals.

Secure 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 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.

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 provide flexible terms to ensure that you can find a loan that fits your budget and lifestyle.

Business Financing

For business owners, our outstanding commercial loans totaling $738,175,373 provide the capital needed to grow and expand. If you're looking for financing solutions tailored for your business needs, we have options that can support your goals.

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. Whether it's your first home or you're looking to refinance an existing loan, our team is ready to guide you through every step.

Refinancing Options

If you're considering refinancing your current loans or exploring eligibility options, our team is here to assist you. We can provide personalized advice based on your financial situation and help you make informed decisions that align with your objectives. At Desert Financial, we prioritize making lending accessible and straightforward for all our members. For any questions or assistance regarding our loan offerings, don't hesitate to reach out at (602) 335-8320. Let us be part of your financial journey today!

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 option allows you to handle unexpected expenses without the burden of collateral.

Loan Aggregator

Benefits of Using LendMesh

LendMesh offers several key benefits that build trust and reliability: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in what is presented to users. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect true market conditions. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, empowering them to make well-informed decisions. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback illustrates the real-world impact of using a reliable 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.

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 commitment to sourcing ensures fair and transparent offers for users seeking loans.