Desert Financial Credit Union Phoenix AZ | Cheap Mortgage Refinance & Personal Loans

Introduction

Welcome to Desert Financial, your trusted partner in achieving financial success right here in Phoenix, AZ. Located at 7515 W Encanto Blvd Ste 1, our branch has been serving the community since 1939, helping members like you thrive. With a robust membership base of over 472,620 individuals, we pride ourselves on being more than just a credit union; we're a community. At Desert Financial, we understand that your financial journey is unique. That's why we offer a wide range of services designed to meet your needs from personal banking solutions like checking and savings accounts to auto loans, mortgages, and business banking options. Our total assets stand at an impressive $8,901,537,365, ensuring that we have the resources to support you every step of the way. Our dedicated team of 1,326 employees is committed to providing exceptional service. Under the leadership of CEO Jeffrey Meshey and Board President Kevin Haskew, we work hard to ensure our members feel valued and supported. 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 good hands with us. While members can visit us at our branch location for friendly assistance and advice, official correspondence should be sent to our mailing address: PO Box 2945, Phoenix, AZ 85062. We invite you to experience the difference that comes from being part of a member-focused credit union. Whether you're looking for help with loans or simply want to ask questions about your accounts, don't hesitate to reach out! Call us at 602-335-7200 or visit our website at desertfinancial.com for more information on how we can assist you today. Let's build a brighter financial future together!

Branch History & Mission

At Desert Financial, we are proud to have a rich history that spans over eight decades, beginning in 1939. Our journey started with a simple vision: to provide financial services that truly serve our community. Since then, we have grown into a trusted institution in Phoenix, AZ, and beyond. Today, we proudly serve over 472,620 members, offering them the tools and resources they need to achieve their financial goals. Located at 7515 W Encanto Blvd Ste 1 in Phoenix, AZ, our branch is easily accessible for those seeking personal and business banking solutions. Whether you're stopping by for auto loans, mortgage refinancing, or simply to open a checking account, we are here for you. Our branch is equipped with modern conveniences like drive-thru banking and ATM services available 24/7. Desert Financial's mission goes beyond just providing financial products; it is about making a meaningful impact in our community. We are dedicated to supporting local initiatives and fostering partnerships that uplift those around us. Our commitment to inclusivity ensures that all individuals have access to the financial resources they need. We believe in empowering our members through education and advocacy while maintaining a focus on their unique needs. While our physical address serves as a hub for member interaction, official correspondence can be sent to PO Box 2945, Phoenix, AZ 85062. This allows us to streamline communication while still prioritizing face-to-face interactions when possible. As we continue to adapt to the changing landscape of banking technology, Desert Financial embraces digital advancements that enhance your experience. Our services include online banking and mobile payment options that make managing your finances easier than ever. We also prioritize ADA compliance to ensure everyone can access our services without barriers. With total assets exceeding $8.9 billion, we are committed to sound financial practices that benefit our members. Our experienced team works diligently every day to offer personalized service tailored to your needs. Join us at Desert Financial and become part of a community-focused credit union that values relationships and strives for excellence in service. Experience firsthand how we can help you achieve your financial dreams while making a positive impact in the community we all share. Your journey begins here! For more information or assistance, call us at 602-335-7200 or visit our website.

Branch Location & Accessibility

Convenient Access

At Desert Financial, we understand that accessibility is key. Our branch is equipped with features like ADA-compliant ramps to ensure everyone can visit us comfortably. There's ample parking available, so you won't have to worry about finding a spot when you come by.

Get In Touch

We invite you to stop by or give us a call at 602-335-7200 if you have any questions or need assistance. At Desert Financial, we're dedicated to providing friendly service and helping you achieve your financial goals. Come see us today!

Operating Hours

We're here for you during convenient hours! Our lobby is open from 9:00 AM to 6:00 PM on weekdays and from 9:00 AM to 1:00 PM on Saturdays. If you need access outside of these hours, our ATM is available 24/7 for cash withdrawals and balance checks.

Services Offered

Whether you're looking for personal banking options like checking and savings accounts, auto loans, or mortgage refinancing, we've got you covered. We also provide business banking services including merchant services and business loans. For quick transactions, our drive-thru service is ready to assist with deposits and withdrawals without leaving your vehicle. While members can visit us at 7515 W Encanto Blvd Ste 1, official correspondence should be sent to PO Box 2945, Phoenix, AZ 85062.

Member Eligibility

At Desert Financial, we believe that becoming a member is like joining a supportive family where your financial goals are our top priority. If you're looking to be part of our community, you'll be pleased to know that eligibility is open to those who live, work, worship, or attend school in certain areas, as well as immediate family members of existing members. We welcome everyone with open arms! To find out more about the specific eligibility criteria, feel free to visit our detailed page at http://www.desertfinancial.com/en/who-we-are/become-a-member. Getting started is simple! Just swing by our branch located at 7515 W Encanto Blvd Ste 1 Phoenix Az 85035, or give us a call at (602) 335-7200 for any questions you might have. Our team is here to help you navigate through the process and ensure you enjoy all the advantages of being part of Desert Financial. From personal banking services to exciting loan options, we're excited to support you on your financial journey!

Business Banking & Commercial Services

Member Commercial Loans

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.

Non-Member Commercial Loans

We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions that cater to various needs.

Outstanding Commercial Loans

With an outstanding commercial loan portfolio of $738,175,373, we continue to drive economic growth by financing new and expanding businesses in Phoenix, AZ. In addition to loans, our merchant services simplify payment processing so you can focus on what you do best running your business. Whether you're accepting credit cards or managing online payments, we've got you covered. Let's partner together to turn your business dreams into reality!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our ATMs are available 24/7 for quick withdrawals and balance checks. Plus, enjoy the benefits of basic drive-thru banking for simple transactions like deposits and withdrawals without leaving your vehicle. At Desert Financial, we are committed to delivering not just services but solutions that fit your lifestyle and financial goals. If you want to learn more about any of these offerings or have questions about how we can assist you better, don't hesitate to reach out! Call us at (602) 335-7200 or visit us online at Desert Sky. Let's work together toward achieving your financial dreams!

Auto Loans & Vehicle Financing

If you're thinking about buying a new car, our auto loans can make the process smooth and stress-free. We offer competitive rates and flexible terms, so you can find the perfect loan that fits your budget. Picture driving off in your dream car without worrying about high payments.

Business Banking

For our business members, we provide specialized business banking services, including merchant services and business loans designed to help your business thrive. Whether you're starting out or looking to expand, we're here to support your entrepreneurial journey.

Credit Cards with Rewards

Enjoy shopping? Our credit cards with rewards allow you to earn points for every dollar spent. Use those points for travel, cash back, or gift cards making every purchase work harder for you!

Mortgage Loans & Refinancing

Homeownership is an important milestone for many of our members. Our mortgage loans provide the support you need to purchase or refinance a home. With various options available, we work with you to find the best solution for your situation, making homeownership more accessible than ever.

Online & Mobile Banking

In today's busy world, convenience is key. That's why we've invested in online and mobile banking platforms that let you manage your accounts anytime, anywhere. Check balances, transfer funds, and even deposit checks all from your smartphone.

Personal Banking

We understand that everyone has different banking needs. That's why we offer personal banking options, including checking and savings accounts tailored for everyday use. Imagine having a checking account with no monthly fees and a savings account that helps you grow your money effortlessly.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our personal loans can help cover everything from medical bills to home repairs, while our debt consolidation options simplify managing multiple debts into one easy payment. It's all about helping you regain control over your finances.

Digital & Online Banking

Mobile Banking Features

Stay connected on the go with our mobile application, which provides all the features you need right at your fingertips. You can make mobile payments effortlessly and even send money to friends and family using our person-to-person transfer service. Whether you're grabbing coffee or shopping for groceries, managing your finances has never been this easy.

Online Banking Services

Our 24/7 online banking service allows you to check balances, transfer funds, and pay bills with ease. You can also sign documents electronically through our electronic signature authorization feature, making it simple to handle paperwork without the hassle of printing and mailing. Plus, with e-statements available, you can keep track of your finances while going green no more cluttered mailboxes!

Security and Support

We prioritize your security with advanced encryption measures to keep your personal information safe. Our user-friendly interface ensures that all members can navigate their accounts without any confusion. If you ever need assistance, our dedicated team is just a phone call away at (602) 335-7200, ready to help you every step of the way. With these digital banking tools at your disposal, managing your money is not only convenient but also secure. Experience the benefits of modern banking today at Desert Financial!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 1,037,935, showing a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) stand at $12,684,564, allowing us to support various initiatives aimed at enhancing member services. 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 7515 W Encanto Blvd Ste 1 Phoenix Az 85035 or call (602) 335-7200 to learn more about how we can help you achieve your financial goals.

Member-Centric 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 impressive $21,206,147 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.

Reinvesting 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 lending capacity supports members' financial goals across various sectors with $35,444 in used auto loans and $4,226,064,464 in total loans and leases.

Strong Net Worth

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 commitment to your financial well-being is reflected in our net worth ratio of 11.70%, demonstrating a solid capital foundation. This ensures 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 and competitive interest rates to ensure you get the financing that works for you.

Business Financing

If you're a business owner, our outstanding commercial loans totaling $738,175,373 provide the capital needed to grow and expand your operations. We understand the importance of having reliable financial support as you pursue your business goals.

Credit Lines and Personal Loans

For those who need extra flexibility, we also offer credit lines totaling $3,861,348,724. This option provides you with quick access to funds for unexpected expenses or planned purchases without needing to apply for a new loan each time. Additionally, our personal loans can assist with debt consolidation or other financial needs.

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 offer various mortgage products designed to fit your budget and lifestyle. If you're considering refinancing, our team is ready to help you explore eligibility options that can save you money.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and rewards programs that benefit our members. At Desert Financial, we're here to help you navigate your borrowing options. Our knowledgeable staff is available at (602) 335-7200 if you have any questions or need assistance in choosing the right product for you. You can also visit us at our branch located at 7515 W Encanto Blvd Ste 1 Phoenix Az 85035 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. Let us partner with you on your financial journey today!

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures 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 rigorous sourcing ensures that all loan offers presented are fair and transparent. By working only with verified financial institutions, LendMesh guarantees that users receive trustworthy information, empowering them to make informed decisions.

DESERT FINANCIAL CREDIT UNION - Phoenix, AZ

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Compare Loan Rates Near You

Loan rates in Phoenix, AZ (85035)

Introduction

Branch History & Mission

Branch Location & Accessibility

Convenient Access

Get In Touch

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Member Commercial Loans

Non-Member Commercial Loans

Outstanding Commercial Loans

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Auto Loans & Vehicle Financing

Business Banking

Credit Cards with Rewards

Mortgage Loans & Refinancing

Online & Mobile Banking

Personal Banking

Personal Loans & Debt Consolidation

Digital & Online Banking

Mobile Banking Features

Online Banking Services

Security and Support

Financial Strength

Growing Member Base

Member-Centric Savings

Operational Efficiency

Reinvesting for Growth

Strong Net Worth

Loan Offering

Auto Loans

Business Financing

Credit Lines and Personal Loans

Mortgage Loans

Unsecured Credit Cards

Loan Aggregator

Benefits of Using LendMesh

How LendMesh Ensures Accurate Loan Comparisons

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