Desert Financial Credit Union Phoenix AZ | Affordable Auto Loans & Online Banking

Introduction

At Desert Financial, we believe in building strong relationships with our members and the communities we serve. Located at 4940 E Ray Rd Ste 11, Phoenix, AZ 85044, our branch is more than just a financial institution; it's a hub for support, guidance, and empowerment. With over 472,620 members trusting us since our establishment in 1939, we are proud to be a cornerstone of financial wellness in the Phoenix area. As of now, we have amassed a total of $8,901,537,365 in assets and maintain over $699,652,272 in deposits. These figures reflect not just numbers on a balance sheet but a commitment to providing financial solutions that help our members thrive. Our dedicated team of 1,326 employees, under the leadership of CEO Jeffrey Meshey and Board President Kevin Haskew, works tirelessly to ensure that every member receives personalized service tailored to their needs. Whether you're looking for an auto loan or exploring mortgage options, we offer a variety of services designed with you in mind. We understand that navigating finances can be daunting, which is why we strive to make banking easy and accessible through our online and mobile banking services. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: PO Box 2945, Phoenix, AZ 85062. If you have any questions or would like to know more about how we can assist you today, don't hesitate to call us at 602-335-8080. Join us at Desert Financial where your financial goals become our mission! Visit us online at Desert Financial for more information on how you can become part of our thriving community.

Branch History & Mission

Community Commitment

Over the years, Desert Financial has remained dedicated to giving back to the community. We actively engage in local outreach initiatives and form partnerships with organizations that share our values. These efforts not only strengthen our ties within the community but also enhance the lives of those we serve. Our commitment extends beyond just banking; we aim to create a positive impact through financial education programs designed to help members make informed decisions about their money. This customer-centric approach reflects our goal of creating lasting relationships built on trust and transparency.

Modern Banking Experience

In today's fast-paced world, we understand that convenience is key. That's why Desert Financial provides 24-hour ATM availability for easy access to your funds. Although we do not have drive-thru banking at this location, our digital platforms ensure that you have all the tools you need right at your fingertips. As we look forward to the future, we invite you to join Desert Financial. Become part of a community-focused credit union where your financial well-being is our top priority. Experience firsthand how we can support your journey toward achieving your financial goals. For more information or to become a member today, please contact us at 602-335-8080 or visit our website at Desert Financial. We can't wait to welcome you into our family!

Our Mission

At Desert Financial, our mission is clear: we are here to empower individuals and families by providing exceptional financial services while fostering a spirit of community. We believe that everyone deserves access to resources that help them achieve their financial dreams whether it's buying a home, securing an auto loan, or managing personal finances effectively. We offer a variety of services including checking and savings accounts, auto loans, mortgage loans and refinancing options, personal loans for debt consolidation, and business banking solutions. Our online and mobile banking services ensure that members can manage their finances anytime and anywhere.

Branch Location & Accessibility

Nearby Landmarks and Accessibility

Nestled in the heart of Phoenix, our branch is just a stone's throw away from popular spots like the Ahwatukee Foothills Towne Center. This prime location means you can easily run errands and take care of your banking all in one trip! We also prioritize accessibility, ensuring that our facilities are compliant with ADA standards. You'll find ramps for easy entry and ample parking available nearby.

Operating Hours and Services

We understand that life can get busy, which is why our lobby hours are convenient for your schedule. Visit us Monday through Friday from 9:00 AM to 6:00 PM, and on Saturdays from 9:00 AM to 1:00 PM. For those late-night financial needs, our ATM is available 24/7, giving you access to cash whenever you need it. At Desert Financial, we offer a range of services tailored to meet your needs. From personal checking and savings accounts to auto loans and mortgage refinancing, we're here to help you achieve your financial goals. Our team also provides business banking solutions, including merchant services and business loans. If you ever have questions or need assistance, don't hesitate to give us a call at 602-335-8080. We're eager to help you on your financial journey! While members can visit us at 4940 E Ray Rd Ste 11 Phoenix Az 85044, official correspondence should be sent to PO Box 2945, Phoenix, AZ 85062. Come see how Desert Financial can make banking easy and accessible for you!

Member Eligibility

Becoming a member of Desert Financial is like stepping into a welcoming community where your financial needs are prioritized and supported. If you live, work, or worship in the area or have a family member who is already a member, you're likely eligible to join us! We believe everyone deserves access to great financial services, and at Desert Financial, you'll find everything from personal banking to loans tailored just for you. For detailed eligibility criteria, feel free to visit our website at http://www.desertfinancial.com/en/who-we-are/become-a-member. Joining is easy! Just reach out to us at (602) 335-8080, and we'll guide you through the simple process of opening an account. You can also stop by our branch located at 4940 E Ray Rd Ste 11 Phoenix Az 85044. We look forward to welcoming you into the Desert Financial family, where your goals become our goals.

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

Beyond loans, we offer merchant services that simplify transactions for your business. Imagine having a reliable partner to handle payments seamlessly whether in-store or online allowing you to focus on what you do best: running your business. Our services help streamline operations so you can provide excellent customer experiences without the hassle. Ready to take the next step? Visit us at 4940 E Ray Rd Ste 11 Phoenix Az 85044 in Phoenix, AZ, or give us a call at (602) 335-8080. Let's write the next chapter of your business story together!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? With 24-hour ATM access available at our branch location, withdrawing cash or checking your balance has never been easier. Even outside of regular business hours, we're here when you need us. In conclusion, Desert Financial is committed to providing personalized financial services that cater to every member's unique situation. We invite you to visit us at 4940 E Ray Rd Ste 11 Phoenix Az 85044 or give us a call at (602) 335-8080 to learn more about how we can assist you on your financial journey. Don't hesitate your future starts today!

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 without the stress. We understand how important reliable transportation is, and our competitive rates are designed to fit your budget.

Business Banking

For our business members, we provide comprehensive banking solutions tailored specifically for businesses. From merchant services to business loans, we understand the unique challenges entrepreneurs face. Let us partner with you in navigating those challenges and achieving success.

Credit Cards with Rewards

Our credit cards come with rewards that can benefit your everyday spending. Whether you're planning a special purchase or just want to earn points on groceries and gas, we've got options that can enhance your buying power while providing great perks.

Mortgage Loans & Refinancing

Homeownership is a dream for many, and at Desert Financial, we're here to help you achieve it. Our mortgage loans cater to first-time buyers and seasoned homeowners alike. If you're considering refinancing, our team can guide you through the process, ensuring you find a solution that meets your financial goals.

Personal Banking

Whether you're opening a new checking or savings account, we offer personal banking options designed to help you manage your money effectively. Imagine having the convenience of online and mobile banking right at your fingertips. With features like e-statements and mobile payments, you can easily keep track of your finances anytime, anywhere.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's why we offer personal loans for various needs, including debt consolidation. If you're looking to simplify your finances by combining multiple debts into one manageable payment, we have flexible solutions ready for you.

Digital & Online Banking

Key Services

Our online banking platform, available at https://www.desertfinancial.com/, allows you to check balances, transfer funds, and pay bills without needing to visit a branch. You can also set up electronic statements, making it easier to stay organized while reducing paper clutter. Enjoy the flexibility of accessing your account whenever you need through our user-friendly mobile application, which is designed to provide all the features you love about online banking right in the palm of your hand. For those quick transactions between friends or family, our person-to-person transfer feature makes sending money as easy as sending a text. Plus, if you're out shopping and want to make payments on the go, our mobile payments feature lets you do just that without fumbling for cash or cards.

Security You Can Trust

Security is a top priority at Desert Financial. Our electronic signature authorization ensures that your transactions are safe and protected. We use advanced encryption methods to keep your information secure so you can focus on what matters most your finances. With 24/7 online banking services, you're never out of reach from managing your money. Whether it's late at night or early in the morning, you're in control of your financial life wherever you are. In summary, our digital banking options not only offer convenience but also prioritize your security and peace of mind. Join us at Desert Financial and experience how easy banking can be!

Financial Strength

A Growing Community

Total Share and Deposit Accounts: 1,037,935, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $12,684,564, reinforcing our commitment to support your needs. In conclusion, 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 4940 E Ray Rd Ste 11 Phoenix Az 85044 or call (602) 335-8080 to learn more about how we can help you achieve your financial goals.

Proven 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.

Reinvesting in Your Future

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 your financial goals across various sectors with $35,444 in used auto loans and $4,226,064,464 in total loans and leases.

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 and options for refinancing to ensure you find a solution that works best for your budget.

Commercial Loans

For business owners, our outstanding commercial loans totaling $738,175,373 provide the capital needed to grow and expand. We understand the unique challenges businesses face, and our team is committed to providing tailored solutions that fit your specific requirements. At Desert Financial, we prioritize making your borrowing experience straightforward and accessible. If you're interested in learning more about eligibility options or refinancing opportunities, please don't hesitate to reach out. You can contact us at (602) 335-8080, and our friendly staff will be happy to assist 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. Visit us today and discover how our loan products can help you take the next steps towards your financial future!

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 buyer or looking to refinance your existing mortgage, our team is ready to assist you every step of the way.

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 provides you with the convenience of credit without requiring collateral.

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Benefits of Using LendMesh

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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 to accuracy ensures fair and transparent offers for all users.

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