Desert Financial Credit Union Phoenix AZ | Low Mortgage Rates & Business Banking

Introduction

Welcome to Desert Financial, your trusted partner in financial success since 1939. Located at 5555 N 7Th St Ste 140, Phoenix, AZ 85014, we have proudly served our community with dedication and care. With a strong membership base of 472,620 individuals, our commitment to enhancing the financial well-being of our members is evident in everything we do. At Desert Financial, we understand that your financial journey is unique. That's why we offer a variety of services tailored just for you, including checking and savings accounts, auto loans, mortgage options, and business banking solutions. Our total assets stand at an impressive $8,901,537,365, showcasing our stability and ability to support you in achieving your goals. While members can visit us at our branch location for personal service, official correspondence should be sent to PO Box 2945, Phoenix, AZ 85062. You can also reach us by phone at 602-335-5700 if you have any questions or need assistance. Our team of 1,326 employees works tirelessly to ensure that every member feels valued and supported. Led by CEO Jeffrey Meshey and Board President Kevin Haskew, we take pride in fostering a community-oriented environment where your needs come first. With total deposits amounting to $699,652,272 and a net worth of $1,033,536,095, you can trust that your finances are in safe hands. Plus, we maintain a healthy cash flow with $27,757,154 readily available to assist our members. We invite you to explore all the ways Desert Financial can help you thrive financially. Whether you're looking for competitive loan rates or convenient online banking options available anytime through our website at Desert Financial we're here for you every step of the way. Visit us today or give us a call!

Branch History & Mission

At Desert Financial, we take pride in our rich legacy of serving the community. Established in 1939, our branch in Phoenix, AZ has grown from humble beginnings to become a vital financial resource for over 472,620 members. Our address at 5555 N 7Th St Ste 140 is not just a location; it's a hub where dreams are nurtured and community bonds are strengthened. From the start, Desert Financial has been committed to providing accessible financial services tailored to meet the needs of our members. As we evolved over the decades, we embraced changes in technology and customer expectations while staying true to our core values of integrity and service. Today, with total assets exceeding $8.9 billion, we stand as a testament to the trust placed in us by our community. Our mission is simple yet profound: to empower individuals and families through personalized financial solutions while fostering a sense of belonging and support within the community. We offer a range of services including personal banking, auto loans, mortgages, business banking, and more all designed with our members' best interests in mind. While you can visit us at our physical location in Phoenix for all your banking needs, we also understand that convenience matters. That's why we provide 24-hour ATM access for easy withdrawals and balance checks. Although we do not have drive-thru service or shared service centers at this location, we're dedicated to making your banking experience seamless through online and mobile banking options. As part of our commitment to inclusivity, we ensure that all our facilities are ADA compliant so everyone can comfortably access our services. We're also proud of our community outreach initiatives that allow us to give back and support local causes. To learn more about how Desert Financial can help you achieve your financial goals or to become a member today, please reach out at 602-335-5700 or visit us online at Desert Financial. Join us on this journey as we continue to build a brighter future together!

Branch Location & Accessibility

Convenient Access and Amenities

Parking is available right outside the branch, and we are committed to accessibility for all our members. Our facility is ADA compliant, featuring ramps and accessible entrances to ensure everyone can visit us comfortably. While you're here, you can take advantage of our full range of personal banking services, including checking and savings accounts, auto loans, mortgage options, and more.

Get in Touch

If you have questions or need assistance, don't hesitate to give us a call at 602-335-5700. We're here to help you with all your banking needs. Whether you're looking to open a new account or explore loan options, we invite you to visit us today! While members can visit us at 5555 N 7Th St Ste 140, please remember that any official correspondence should be sent to our mailing address at PO Box 2945, Phoenix, AZ 85062. We look forward to welcoming you soon!

Operating Hours

We understand that life gets busy! That's why our lobby hours are designed to fit your schedule: we're open from 9:00 AM to 6:00 PM on weekdays and from 9:00 AM to 1:00 PM on Saturdays. Need access outside of these hours? No problem! Our ATM is available 24/7 for your convenience.

Member Eligibility

At Desert Financial, we believe that becoming a member is like joining a close-knit community where everyone supports one another. If you're looking to become part of our family, you'll be glad to know that eligibility is open to anyone who lives, works, or worships in the areas we serve. This means that whether you're a local resident or just passing through, you can join us and enjoy the benefits of membership. By choosing Desert Financial, you'll gain access to a range of personalized financial services designed to help you achieve your goals, from checking accounts to loans and everything in between. To get started, simply visit our website for detailed eligibility criteria at http://www.desertfinancial.com/en/who-we-are/become-a-member. We've made the process easy and welcoming because we want everyone to feel included. If you have any questions or need assistance, don't hesitate to reach out at (602) 335-5700. We're here to help guide you every step of the way as you take this exciting step toward financial empowerment at Desert Financial.

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

In addition to loans, we offer merchant services designed to simplify transactions for your business. Picture this: a local café that integrates our payment solutions seamlessly into their daily operations, allowing customers to pay easily while keeping track of sales effortlessly. Our services ensure that you can focus more on serving your customers rather than worrying about cash flow. Located at 5555 N 7Th St Ste 140 Phoenix Az 85014 in Phoenix, AZ, we're here to assist you with all your business banking needs. Contact us today at (602) 335-5700 to learn how we can partner together for your success!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash? No problem! Our branch provides ATM services where you can easily withdraw cash or check balances at any time, day or night. At Desert Financial, we're committed to making banking easy and accessible for everyone. With convenient access through our digital platforms and a friendly team ready to assist you at our location at 5555 N 7Th St Ste 140 Phoenix Az 85014, it's never been simpler to take control of your finances. Ready to explore how we can help you achieve your financial goals? Give us a call at (602) 335-5700 or visit us online at Missouri today!

Auto Loans & Vehicle Financing

If you're planning to buy a new car or need financing for a reliable vehicle, our auto loans are here to help. We offer competitive rates and flexible terms that fit your budget. Picture yourself driving off in the car of your dreams without worrying about high monthly payments!

Business Banking Services

For entrepreneurs and small business owners in Phoenix, we offer specialized business banking solutions. From merchant services that simplify payment processing to business loans that fuel growth, we've got your back as you navigate the exciting world of business.

Credit Cards with Rewards

With our credit cards, not only can you make purchases conveniently, but you'll also earn rewards on every dollar spent! It's like getting paid for using your card what could be better?

Mortgage Loans & Refinancing

Thinking about buying a home? Our mortgage loans make it easier than ever to secure financing for your dream house. If you already have a mortgage, consider refinancing with us to potentially lower your monthly payment or shorten your loan term. We're here to guide you through the process every step of the way.

Personal Banking Solutions

Our personal banking services include checking and savings accounts designed to help you manage your money effectively. Imagine having a safe place for your funds that also earns interest! Plus, with our online and mobile banking features, you can access your accounts anytime and anywhere. This means you can check balances, transfer funds, and even make payments right from your phone.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses at us. That's where our personal loans come in handy. Whether you want to consolidate debt or cover emergency costs, we provide options that can ease financial stress and help you get back on track.

Digital & Online Banking

Accessing Your Accounts

Our online banking platform, accessible at https://www.desertfinancial.com/, is designed to give you full control over your finances. Whether you're checking your balance, transferring funds, or reviewing recent transactions, everything is just a login away. Plus, with 24/7 online banking services, you can manage your money on your schedule.

Mobile Banking Convenience

For those always on the go, our mobile application brings all these features right to your fingertips. You can make person-to-person transfers with ease and even utilize mobile payments for quick transactions at your favorite stores. Whether you're out shopping or just grabbing coffee, managing your finances has never been simpler. At Desert Financial, we believe in empowering our members with easy access to their accounts while ensuring a safe banking experience. Join us in embracing the future of banking by exploring our digital services today!

User-Friendly Features

We understand that security is a top priority for our members. That's why we offer electronic signature authorization, making it simple and secure to sign documents without the hassle of printing or mailing. You'll also love our e-statements feature no more paper clutter! With e-statements, you can easily track your financial history while keeping everything organized.

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. We understand that knowing your credit union is financially strong gives you peace of mind, and we are proud to share the details of our financial health with you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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. Our commitment to serving our members is reflected in our financial success. With $960,070,693 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you 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 operational efficiency is evident in our $60,601,487, which allows 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 dedicated to providing excellent service at every visit. Net Shares (Funds available for lending and investments): $12,684,564. Total Share 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 5555 N 7Th St Ste 140 Phoenix Az 85014 or call (602) 335-5700 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 are purchasing a new or used vehicle, our competitive rates and flexible terms make it easier for you to drive away with confidence.

Business Loans

For business owners, our outstanding commercial loans totaling $738,175,373 provide the capital needed to grow and expand your business. We understand the unique challenges faced by entrepreneurs and are here to support your journey. At Desert Financial, we pride ourselves on providing personalized service and expert guidance as you navigate your loan options. Our team is ready to assist you every step of the way, ensuring that you find the right product that fits your needs. Feel free to reach out to us at (602) 335-5700 or visit us at 5555 N 7Th St Ste 140 Phoenix Az 85014 in Phoenix, AZ for more information about our loan offerings and how we can help you achieve your financial dreams. 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 various mortgage solutions tailored to fit your unique situation. If you're considering refinancing your current mortgage, we can help you explore eligibility options that may save you money.

Unsecured Credit Card Loans

Managing finances effectively is crucial in today's world. We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans available to assist our members. These cards can be a practical tool for managing purchases and building credit without needing collateral.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. 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!" This kind of feedback highlights the effectiveness and reliability of using LendMesh as your go-to loan 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 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 ensures that all loan offers are fair and transparent. By working only with verified financial institutions, LendMesh provides users with a trustworthy platform to compare loans without worrying about hidden fees or misleading information.