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

Introduction

Community Commitment

We understand that banking is about building relationships and fostering community growth. As part of this mission, we offer a range of services including personal checking and savings accounts, auto loans, mortgage financing, and business banking solutions. Our focus on member satisfaction has helped us facilitate over 131,916 loans and leases to support your goals. Under the leadership of CEO Jeffrey Meshey and Board President Kevin Haskew, we strive to create a welcoming atmosphere where every member feels valued. With a dedicated team of 1,326 employees, we're here to assist you in navigating your financial journey.

Your Next Steps

Whether you're looking to open an account or explore loan options, we invite you to reach out at 602-335-4590 or visit our website at Desert Financial for more information. Together, let's build a brighter financial future!

Branch History & Mission

Welcome to Desert Financial, a credit union with a proud history and a mission deeply rooted in serving the community of Phoenix, Arizona. Established in 1939, our South Mountain branch has been a steadfast partner for over eight decades, growing alongside our members and adapting to their needs. Located at 3230 E Baseline Rd, Phoenix, AZ 85042, our branch is easily accessible and surrounded by vibrant local landmarks that reflect the spirit of our community. We invite you to visit us during our operating hours: Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 1:00 PM. For those on the go, we proudly offer 24-hour ATM access to ensure you can manage your finances whenever you need. Over the years, Desert Financial has seen remarkable growth, now boasting a total membership of 472,620 and total assets exceeding $8.9 billion. This success stems from our unwavering commitment to providing high-quality financial services tailored for personal banking, auto loans, mortgages, and business banking. Our mission is simple yet powerful: to enrich lives by delivering exceptional financial solutions while fostering a sense of community among our members. At Desert Financial, we believe in more than just transactions; we strive to make a positive impact within Phoenix and beyond. Our initiatives include partnerships with local organizations and outreach programs aimed at improving financial literacy and supporting those in need. We understand that true success means lifting up those around us. As technology advances, so do we. Our digital offerings include online banking, mobile payments, and e-statements tools designed for convenience without sacrificing security or accessibility. We are also committed to ensuring that all members can access our services comfortably and confidently. If you're looking for a financial institution that truly cares about its members and the community it serves, look no further than Desert Financial. Join us today and experience firsthand the benefits of being part of a credit union dedicated to your financial well-being. For more information or inquiries, please reach out to us at 602-335-4590 or visit our website at Desert Financial. Your journey toward financial empowerment starts here!

Branch Location & Accessibility

Accessibility Features

At Desert Financial, we believe in providing a welcoming environment for all members. Our branch is ADA compliant, featuring accessible parking and ramps to ensure everyone can easily visit us. Whether you're stopping by for personal banking or exploring our loan options, we strive to make your experience as smooth as possible.

Call to Action

We invite you to stop by our branch or give us a call at 602-335-4590 if you have any questions or need assistance. At Desert Financial, we're more than just a credit union; we're your partners in achieving financial success! Come see how we can help you today.

Operating Hours

We're here to serve you! Our lobby hours are from 9:00 AM to 6:00 PM on weekdays and from 9:00 AM to 1:00 PM on Saturdays. Need cash outside of these hours? No problem! Our ATM is available 24/7 for your convenience.

Services Offered

As a member of Desert Financial, you can take advantage of a wide range of services including checking and savings accounts, auto loans, mortgage refinancing, personal loans, and business banking solutions. If you prefer banking from home, our online and mobile banking options are always at your fingertips. While members can visit us at 3230 E Baseline Rd, official correspondence should be sent to PO Box 2945, Phoenix, AZ 85062.

Member Eligibility

At Desert Financial, becoming a member is like joining a close-knit family that cares about your financial well-being. If you live, work, or worship in the area or have family ties to existing members, you're likely eligible to join us! We believe everyone deserves access to personalized banking services that truly make a difference. By choosing Desert Financial, you gain not only a supportive community but also access to a range of products designed to meet your needs, from checking accounts to loans and everything in between. To find out more about what makes you eligible for membership at Desert Financial, check out our detailed guidelines at http://www.desertfinancial.com/en/who-we-are/become-a-member. The process is straightforward and welcoming give us a call at (602) 335-4590 if you have any questions or need assistance. We can't wait to welcome you into our community at 3230 E Baseline Rd Phoenix Az 85042!

Business Banking & Commercial Services

Merchant Services Made Easy

In today's fast-paced world, managing payments should be hassle-free. That's why our merchant services are designed with your convenience in mind. Imagine a local café being able to accept card payments effortlessly, boosting sales and customer satisfaction. With our state-of-the-art payment processing solutions, you can focus on what matters most serving your customers. Located at 3230 E Baseline Rd Phoenix Az 85042 in Phoenix, AZ, we invite you to explore how our business banking and commercial services can support your goals. Reach out today at (602) 335-4590 to learn more about how we can partner with you on your journey to success!

Tailored Business 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. - 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

ATM Services

Need cash? Our ATM services allow for easy cash withdrawals and balance checks at any time of day. With 24/7 access to ATMs, you'll never have to worry about being caught short on cash. At Desert Financial, we are committed to making banking simple and accessible for everyone in our community. If you're ready to learn more about how we can help you meet your financial needs, don't hesitate to reach out! Call us today at (602) 335-4590 or visit us at our branch in Phoenix, AZ. Your journey towards better financial health starts here!

Business Banking

For our entrepreneurial members, we provide essential business banking services, including merchant services and business loans. We recognize the hard work that goes into running a business, and we're here to support you every step of the way.

Credit Cards

When it comes to credit cards, we offer rewards programs that fit your lifestyle. Imagine earning points on every purchase you make! Our credit cards are designed not only to give you purchasing power but also to reward you for being a loyal member.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. You can manage your accounts from anywhere at any time with just a few clicks or taps on your device. Whether it's checking balances, making transfers, or setting up alerts, our digital banking tools are designed with your needs in mind.

Personal Banking

We start with personal banking options that cater to individuals and families. Our checking and savings accounts make managing your money straightforward and effective. If you're planning to purchase a car, our auto loans and vehicle financing options can help you get behind the wheel without breaking the bank. We also provide mortgage loans and refinancing solutions, perfect for those looking to buy a home or reduce their monthly payments. For those unexpected expenses or projects, our personal loans and debt consolidation services can ease your financial stress.

Digital & Online Banking

Key Services Offered

Our online banking platform at https://www.desertfinancial.com/ is designed for ease of use. You can check balances, pay bills, and transfer funds between accounts whenever it suits you. We also offer electronic signature authorization, making it easier than ever to sign documents securely from your device. E-statements are available for those who prefer a paperless approach to managing their accounts. You'll receive your statements directly in your inbox, ensuring you have quick access to important information while helping the environment. If you're always on the move, our mobile application allows you to bank right from your smartphone. You can make mobile payments, which makes checking out at stores as easy as a tap on your screen. Plus, person-to-person transfers let you send money to friends and family without hassle perfect for splitting bills or sending gifts.

Security and Accessibility

Security is our top priority. Our online banking services are equipped with advanced security features to keep your information safe while you're managing your finances. You can feel confident using our platform knowing that we take every precaution to protect your data. With 24/7 online banking services, you're never limited by traditional banking hours. Whether it's early morning or late at night, access to your account is always available when you need it. Experience the freedom and flexibility of banking with Desert Financial today! For more information about our digital services, visit https://www.desertfinancial.com/ and discover how easy managing your finances can be.

Financial Strength

Commitment to Growth

Our $960,070,693 in undivided earnings allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. 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.

Financial Health Overview

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.

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.

Secure 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.

Strong Member Base

We have a growing member base with 1,037,935 total share accounts that trust us with their finances. This shows the confidence our members place in us a reflection of our commitment to their financial well-being. 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 3230 E Baseline Rd Phoenix Az 85042 or call (602) 335-4590 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 looking for financing on a brand-new model or a reliable pre-owned vehicle, our team is ready to find a solution that fits your budget.

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 enhance your existing operations, our tailored business solutions are designed with your success in mind. If you're interested in any of our loan products or want more information about eligibility and refinancing options, don't hesitate to reach out! We're committed to providing clear guidance and support throughout your borrowing experience. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how Desert Financial can help you achieve your financial objectives today!

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 personalized assistance to guide you through the mortgage process, ensuring you find the right product for your situation.

Unsecured Credit Card Loans

For those looking for flexibility in managing expenses, we also offer unsecured credit card loans. While currently totaling $0, these loans can help members navigate everyday costs without the burden of collateral.

Loan Aggregator

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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 commitment ensures that users receive fair and transparent offers tailored to their needs. Each loan comparison reflects accurate information, empowering you to make well-informed decisions.