Desert Financial Credit Union Prescott AZ | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Desert Financial, your trusted partner in financial well-being since 1939. Located at 3179 Lakeview Plaza Lane, Prescott, AZ 86301, we are dedicated to serving our vibrant community with a range of financial products designed to meet your needs. With over 472,620 members and a strong commitment to member service, we pride ourselves on being more than just a credit union; we are a community hub where financial dreams can flourish. At Desert Financial, our total assets exceed an impressive $8.9 billion, reflecting our stability and reliability as a financial institution. We manage $699,652,272 in deposits and offer various loans over 131,916 loans and leases to support your goals, whether it's buying a home or financing a vehicle. Our focus on personal banking includes checking and savings accounts, auto loans, mortgages, and much more. While members can visit us at our Prescott branch for all their banking needs, official correspondence should be directed to our mailing address at 148 N 48th St, Phoenix, AZ 85034. As part of our commitment to accessibility, our lobby hours are weekdays from 9 AM to 6 PM and Saturdays from 9 AM to 1 PM. Plus, you can access our ATM services 24/7 for your convenience. Under the leadership of CEO Jeffrey Meshey and Board President Kevin Haskew, we strive to create positive experiences for each member. With a team of 1,326 employees, we're here to guide you through every step of your financial journey with personalized service that makes a difference. Join us today by visiting our website at Desert Financial or give us a call at 602-433-7000. Let's work together to achieve your financial aspirations!

Branch History & Mission

Get Involved

We invite you to join Desert Financial and experience the benefits that come with being part of our family-oriented credit union. Whether you're looking for personal banking options or seeking support for your business endeavors, we're here to help you thrive financially. Discover how we can assist you on your financial journey by visiting us or reaching out at 602-433-7000 today! Together, let's build a brighter future for ourselves and our community.

Our Journey

Desert Financial has come a long way since its inception. Initially created to provide affordable financial solutions to the local community, we have evolved significantly over the years while staying true to our core mission. Our journey reflects our commitment to helping members achieve their financial goals through personalized banking experiences. With the introduction of innovative services like online banking and mobile payments, we have embraced technology to make banking more accessible and convenient for everyone. As we continue to grow, our focus remains on enriching the lives of our members and supporting the Prescott community. We actively engage in various outreach programs, partnering with local organizations to promote financial literacy and economic empowerment. Our dedication goes beyond just banking; we believe in fostering a strong sense of community by giving back and supporting local initiatives.

Our Mission

At Desert Financial, our mission is simple: we aim to improve the financial well-being of our members while enhancing the communities we serve. We offer a range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking solutions. Each service is designed with our members in mind, ensuring they receive not just financial products but also guidance and support tailored to their unique situations. While you can visit us at 3179 Lakeview Plaza Lane, any official correspondence should be sent to 148 N 48th St, Phoenix, AZ 85034 if needed. We are here for you Monday through Friday from 9 AM to 6 PM and Saturdays from 9 AM to 1 PM. Plus, our ATM services are available 24 hours for your convenience.

Branch Location & Accessibility

Convenient Access and Features

Our branch is equipped with features that make your banking experience smooth and hassle-free. Enjoy ample parking space, making it easy for you to pop in for a quick transaction or a longer consultation. We take accessibility seriously; our facilities are ADA compliant, ensuring everyone can access our services comfortably.

Get in Touch

Have questions? Our dedicated team is just a phone call away at 602-433-7000. We invite you to come by the Desert Financial branch in Prescott today! Experience the difference of community-focused banking that puts you first. We look forward to welcoming you soon!

Operating Hours

We understand that life gets busy! That's why we offer flexible operating hours: visit us on weekdays from 9 AM to 6 PM or stop by on Saturdays from 9 AM to 1 PM. For those who need cash outside of regular hours, our ATM is available 24/7 for your convenience.

Services Offered

At Desert Financial, we provide a range of personal and business banking services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, our friendly staff is ready to help you navigate through your options. Plus, with drive-thru banking available, you can handle simple transactions without leaving your car!

Member Eligibility

At Desert Financial, we believe that everyone deserves a supportive financial community, and becoming a member is easier than you might think! To join us at our Prescott branch located at 3179 Lakeview Plaza Lane Prescott Az 86301, you simply need to meet a few friendly eligibility criteria. Whether you're an employee of certain companies, a member of specific organizations, or even reside in the local area, there's a good chance you qualify for membership. We welcome individuals from all walks of life, so if you're curious about your eligibility, feel free to check out the details at http://www.desertfinancial.com/en/who-we-are/become-a-member. Joining Desert Financial not only opens doors to a wide range of financial services tailored just for you but also connects you with a community that genuinely cares about your financial well-being. If you're ready to take the next step and open an account, we're here to help! Just give us a call at (602) 433-7000, and our friendly team will guide you through the easy process of becoming part of our family. Remember, for detailed information on eligibility and to stay updated, visit us at http://www.desertfinancial.com/en/who-we-are/become-a-member!

Business Banking & Commercial Services

Practical Merchant Services

In addition to our loan offerings, we provide robust merchant services designed to simplify everyday transactions. Picture this: accepting payments swiftly and securely while keeping track of sales data seamlessly. Our merchant services empower you to focus on what matters most growing your business while we handle the financial side with care. Visit us at 3179 Lakeview Plaza Lane Prescott Az 86301 in Prescott, AZ, or give us a call at (602) 433-7000 to learn more about how we can support your business journey!

Unlocking Business Growth with Loans

Imagine having the financial support to expand your operations, hire new employees, or invest in advanced equipment. 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 and Vehicle Financing

If you're considering purchasing a new vehicle, our Auto Loans & Vehicle Financing can make that dream a reality. With competitive rates and flexible terms, we help you drive away in the car you want without breaking the bank. Need help consolidating debt? Our Personal Loans & Debt Consolidation options can simplify your financial life by combining multiple payments into one manageable loan.

Business Banking

For entrepreneurs and small business owners, we provide robust Business Banking solutions including Merchant Services and Business Loans. We know running a business comes with its own set of challenges, which is why we're committed to helping you find the right financial tools to thrive.

Credit Cards with Rewards

Don't forget about our Credit Cards with Rewards! Use them for everyday purchases and watch those rewards add up whether it's cash back or points for travel. It's an easy way to get more out of your spending while enjoying the security and convenience of credit.

Drive-Thru and Cash Withdrawal Services

In addition to all these services, our branch offers basic Drive-Thru banking for quick deposits, withdrawals, and simple transactions. This means less time waiting in line during your busy day! Plus, with our ATM availability, accessing your funds has never been easier. At Desert Financial, we strive to make banking convenient and accessible for everyone. Our commitment is not just to provide services but also to build lasting relationships with each member. Ready to explore how we can assist you further? Give us a call at (602) 433-7000 or visit us at our branch location in Prescott, AZ today! Your financial journey starts here.

Mortgage Solutions

Buying a home? Our Mortgage Loans & Refinancing services are here to support you through every step of the process. We understand how important this investment is, so our team is ready to guide you with personalized advice and competitive rates tailored to fit your budget.

Personal Banking

For individuals seeking reliable banking solutions, we offer Personal Banking options that include Checking & Savings Accounts. These accounts not only help you manage your finances but also provide easy access through our Online & Mobile Banking services. Imagine checking your balance or transferring funds right from your phone! Our ATM services ensure you can withdraw cash or check balances conveniently, available 24/7 for your peace of mind.

Digital & Online Banking

Key Services

Our online banking platform, accessible at https://www.desertfinancial.com/, offers a wide range of features designed to simplify your banking experience. With 24/7 access to your accounts, you can check balances, transfer funds, and pay bills whenever it suits you. Plus, our mobile application makes it even easier to stay connected while on the go. Need to send money to a friend? Our person-to-person transfer feature allows you to quickly and easily send funds directly from your account. And if you're looking for an eco-friendly option, we offer e-statements so you can keep track of your finances without the clutter of paper.

Security & Ease of Use

Security is a top priority at Desert Financial. We utilize electronic signature authorization for secure transactions, ensuring your information remains safe. You can confidently use our mobile payments feature for shopping or dining out, knowing that your data is protected. Managing your accounts has never been easier. Whether you're using our website or mobile app, everything is designed with user-friendliness in mind. From setting up alerts for low balances to tracking spending habits in real-time, our tools help you stay on top of your finances effortlessly. In summary, Desert Financial offers robust digital banking services that are not only secure but also incredibly convenient. Experience the ease of managing your finances from the comfort of your home or on the go. Join us today and take full advantage of what we have to offer!

Financial Strength

Commitment to Growth and Innovation

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.

Growing Member Base

Total Share and Deposit 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 3179 Lakeview Plaza Lane Prescott Az 86301 or call (602) 433-7000 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.

Member Savings Security

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.

Strong 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. Whether you're interested in financing a new or used vehicle, our competitive rates make it easier than ever to drive away in the car you want.

Business Financing

For business owners, our outstanding commercial loans totaling $738,175,373 provide the capital needed to grow and expand your business. We understand that having access to funds when needed can make all the difference in achieving your business goals. At Desert Financial, we are committed to supporting our members with tailored loan options that fit their unique circumstances. If you're considering refinancing or need assistance determining your eligibility, feel free to reach out. Our knowledgeable staff is here to help you navigate your options. For any inquiries or to learn more about our loan offerings, please contact us at (602) 433-7000 or visit us at our branch located at 3179 Lakeview Plaza Lane Prescott Az 86301, Prescott, 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.

Credit Lines and Personal Loans

For those looking for additional financial flexibility, we also offer credit lines totaling $3,861,348,724. These can be a great resource for managing cash flow or covering unexpected expenses. Plus, our unsecured credit card loans are designed to help you manage your finances effectively; however, currently we have $0 in unsecured credit card loans available.

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 flexible terms and personalized service to help guide you through the process.

Loan Aggregator

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), ensuring fair and transparent offers. This means that users can trust the information they receive when comparing various loan products. LendMesh guarantees several key benefits: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. This focus on verified data helps users make informed choices without the confusion often associated with loans. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This commitment to impartiality allows users to see genuine offers without the influence of advertising dollars. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions empower users to make well-informed decisions quickly. With access to current rates, you can feel confident in choosing a loan that fits your financial needs. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective LendMesh can be in helping individuals secure better financing options. 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.