Desert Financial Credit Union Phoenix AZ | Top Checking & Business Loans

Introduction

Welcome to Desert Financial, your trusted partner in financial wellness located at 6633 N Black Canyon Hwy, Phoenix, AZ 85015. Since our establishment in 1939, we have been dedicated to serving our community with reliable banking solutions tailored to meet your needs. With a total membership of 472,620 and assets exceeding $8.9 billion, we pride ourselves on being a solid financial institution that you can count on. Our branch is not just a place for transactions; it's a hub for building relationships and fostering community spirit. Under the leadership of our CEO, Jeffrey Meshey, and Board President, Kevin Haskew, we strive to enhance the lives of our members through personalized services and a commitment to excellence. We are proud to offer an array of products including personal banking, auto loans, mortgages, credit cards, and business banking services. At Desert Financial, we understand that your financial journey is unique. That's why we focus on providing you with the tools and guidance necessary for achieving your goals. Our current total loans amount to 131,916 while we manage total deposits of $699,652,272. This reflects our dedication to helping you save while providing access to funds when you need them most. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to our mailing address: PO Box 2945, Phoenix, AZ 85062. Whether you're looking for advice on managing your finances or seeking innovative ways to grow your savings, we're here for you! Feel free to reach out by calling us at 602-335-2800 or visit our website at Desert Financial for more information. Let's embark on this financial journey together!

Branch History & Mission

Commitment to Innovation

We understand the importance of keeping up with modern technology. That's why we offer online banking and mobile payment options, ensuring that managing your finances is convenient and efficient. Our commitment extends beyond traditional banking; we are ADA compliant and prioritize customer-centric initiatives that make banking accessible for everyone.

Community Partnerships

Desert Financial takes pride in partnering with local organizations and participating in community events. We regularly engage in outreach efforts that support education, health initiatives, and economic development within Phoenix. We believe in giving back because when our community thrives, we thrive too. Join us at Desert Financial! Experience the difference that a member-focused credit union can make in your life. Whether you are looking for personal or business financial solutions, we're here for you every step of the way. Visit us or call us at 602-335-2800 today!

Our Journey

From our humble beginnings in 1939, Desert Financial has evolved significantly. Initially founded to provide accessible financial services to individuals and families in need, we have expanded our offerings while staying true to our mission of community support. Our commitment to excellent service and member satisfaction has propelled us forward through the years. Our branch's strategic location on Black Canyon Highway makes it easily accessible for all residents in Phoenix. Nearby landmarks like the beautiful Grand Canyon University add a unique touch to our community involvement and outreach efforts.

Our Mission

At Desert Financial, our mission is simple yet profound: we strive to empower individuals and families by providing valuable financial services while actively contributing to the well-being of our community. We believe that financial education and support lead to stronger households and neighborhoods. From personal banking solutions like checking accounts and auto loans to business banking services, we cater to diverse needs with a focus on enhancing lives. While members can visit us at 6633 N Black Canyon Hwy, official correspondence should be sent to PO Box 2945, Phoenix, AZ 85062 if needed.

Branch Location & Accessibility

Convenient Services

At Desert Financial, we prioritize your convenience. Our parking area is designed with ample space for all visitors, ensuring you can find a spot without hassle. We also offer ADA-compliant features, so everyone can access our services comfortably. Our lobby hours are welcoming too! 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. Need cash outside these hours? No problem! Our ATM is available 24/7 for withdrawals and balance checks. For those who prefer drive-thru banking, you can take advantage of our drive-thru service during regular lobby hours.

Getting Here

Our branch is situated near notable landmarks that enhance its accessibility. Just off the Black Canyon Freeway, we're a quick drive from popular spots like the Metrocenter Mall and nearby parks, making it easy to stop by while running errands or enjoying a day out.

Reach Out Anytime

If you have any questions or need assistance, feel free to give us a call at 602-335-2800. Our friendly team is always ready to assist you with personal banking services including checking and savings accounts, auto loans, mortgage options, and more. While members can visit us at our branch location, official correspondence should be sent to PO Box 2945 in Phoenix if needed. We invite you to come by and see how Desert Financial can support your financial journey today!

Member Eligibility

At Desert Financial, we believe that joining our community is not just about banking it's about becoming part of a supportive family that cares for your financial well-being. If you're interested in becoming a member, it's easier than you might think! You can qualify for membership if you live, work, or worship in the areas we serve, or if you're related to someone who already belongs. This means that many people can take advantage of our wide array of services designed to help you thrive financially. To learn more about the specific eligibility requirements, feel free to check out our detailed guidelines at http://www.desertfinancial.com/en/who-we-are/become-a-member. Once you see how simple it is, opening an account will be a breeze! If you have any questions or need assistance, don't hesitate to reach out to us at (602) 335-2800. We can't wait to welcome you into the Desert Financial family and support you on your financial journey right here at our branch located at 6633 N Black Canyon Hwy Phoenix Az 85015.

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer robust merchant services designed to simplify transactions and improve cash flow. Imagine being able to accept payments seamlessly from customers, whether they are using credit cards or mobile payment options. This convenience not only enhances customer satisfaction but also helps you manage your finances more effectively. Discover how Desert Financial, located at 6633 N Black Canyon Hwy Phoenix Az 85015 in Phoenix, AZ, can be your trusted partner in achieving your business goals. Reach out to us today at (602) 335-2800 to learn more about our offerings!

Tailored Loan Solutions

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.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options make it easy for you to get behind the wheel. With competitive rates and flexible terms, you can drive off with confidence knowing you've made a smart financial choice.

Business Banking

For entrepreneurs and business owners, we offer a variety of business banking services including merchant services and business loans. We know running a business is no small feat; that's why we're here to help streamline your banking experience so you can focus on what matters most your business.

Convenience at Your Fingertips

With our ATM and cash withdrawal services available 24/7, accessing your funds has never been easier. Additionally, our basic drive-thru banking allows you to handle deposits, withdrawals, and simple transactions without leaving your car. At Desert Financial, we believe in making banking as convenient as possible for our members in Phoenix. We invite you to visit us at 6633 N Black Canyon Hwy Phoenix Az 85015 or call us at (602) 335-2800 for more information on how we can assist you today. Join us in experiencing the difference at Black Canyon!

Credit Cards with Rewards

Our credit cards come with rewards that give back for every purchase you make. Whether it's cash back or travel points, these cards are perfect for anyone looking to maximize their spending power while enjoying great benefits.

Mortgage Loans & Refinancing

When it comes to buying a home or refinancing an existing mortgage, Desert Financial offers personalized support every step of the way. Our mortgage loans are designed with your needs in mind, helping you secure a comfortable home without breaking the bank.

Personal Banking

For those looking to manage their day-to-day finances, our personal banking options include both checking and savings accounts. Whether you're saving for a vacation or managing your monthly expenses, our accounts are designed to help you keep track of your money easily. Plus, with online and mobile banking, you can access your accounts anytime, anywhere.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our personal loans can provide the relief you need. We work with you to find solutions that fit your budget and help you regain control over your finances.

Digital & Online Banking

E-Statements for Easy Tracking

Say goodbye to cluttered mailboxes! At Desert Financial, we provide e-statements for all your accounts. This not only helps you stay organized but also enhances security by reducing the risk of sensitive information being lost or stolen in transit. You can view and download your statements whenever you need them. In summary, our digital and online banking services at Desert Financial are designed with you in mind. We prioritize ease-of-use and security so that managing your finances can be as straightforward as possible. Enjoy the freedom of banking at your fingertips!

Mobile Banking on the Go

For those who prefer to bank on their smartphones, our mobile application is available for download and packed with features that let you handle your finances wherever you are. You can easily make person-to-person transfers with just a few taps, enabling quick payments to friends or family. And if you're always on the move, our mobile payments feature allows you to make purchases directly from your phone.

User-Friendly Online Banking

With our robust online banking platform, accessible at https://www.desertfinancial.com/, you can manage your accounts anytime, anywhere. Our 24/7 online banking services ensure you have real-time access to your funds, whether you want to check your balance, transfer money, or pay bills. Plus, we offer electronic signature authorization, making it easy for you to complete transactions without the hassle of printing or mailing documents.

Financial Strength

Growing Member Base

Total Share Accounts: 1,037,935, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $12,684,564. 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 6633 N Black Canyon Hwy Phoenix Az 85015 or call (602) 335-2800 to learn more about how we can help you achieve your financial goals.

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.

Reinvestment for Growth

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 capacity to lend is bolstered by $35,444 in used auto loans and $4,226,064,464 in total loans and leases, supporting your financial goals across various sectors.

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 make it easy for you to drive away with a vehicle that fits your lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $738,175,373 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to support an existing business, we can help find the right solution for you. We also offer refinancing options and eligibility checks for all our loan products, ensuring you find the best fit for your financial situation. If you're interested in learning more about our loan offerings or would like assistance with an application, feel free to reach out at (602) 335-2800 or visit us at 6633 N Black Canyon Hwy Phoenix Az 85015 in Phoenix, AZ. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Join us at Desert Financial, where we're dedicated to helping you achieve your financial dreams!

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 you're a first-time homebuyer or looking to refinance an existing mortgage, our team is here to help guide you through the process.

Unsecured Credit Card Loans

For those looking for flexibility in managing expenses, we also offer flexible terms on unsecured credit card loans. Currently, we have a total of $0 in loans helping members effectively manage their finances. This can be a great option if you need quick access to cash without collateral.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures 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 ensures that all loan offers presented are fair and transparent. By relying on trusted institutions, LendMesh helps users navigate their options with confidence.