What are the current interest rates at Deseret First Federal Credit Union?

Current rates for Deseret First Federal Credit Union include: 12-Month CD: 3.95%, 24-Month CD: 4.25%, 60-Month CD: 4.30%, Savings: 4.10%, MMA: 3.85%

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Deseret First Federal Credit Union

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Deseret First Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Deseret First Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Deseret First Federal Credit Union's top rates as of October 9, 2026 are 4.30% APY on its 60 Month Business Jumbo CDs CD, 4.10% APY on savings, 3.85% APY on money market accounts, 5.99% on its 5/6 ARM mortgage, rv, boat and powersport loans from 7.74% APR, and credit cards from 8.90% APR, according to rates verified by MonitorBankRates. Other Deseret First Federal Credit Union CD rates include 60 Month Business CD at 4.30%, 60 Month IRA Jumbo CD at 4.30%, and 60 Month IRA CD at 4.30%. Other Deseret First Federal Credit Union mortgage rates include 15-Year Fixed at 6.62%, 30-Year Fixed at 6.75%, and 10-Year Fixed at 6.62%. MonitorBankRates evaluates the financial stability of Deseret First Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.76%. Rates last updated and verified on 10/09/2026.

Deseret First Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Deseret First Federal Credit Union? Share your experience about Deseret First Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Deseret First Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.76%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Deseret First Federal Credit Union
Operations Center

3999 W Parkway Blvd
West Valley City, UT 84120

https://www.dfcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Deseret First Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month IRA Jumbo Share Certificate	4.21%	4.30%	60 months
Details Loyalty Rate: 4.21%, Loyalty APY: 4.30% Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
60 Month IRA Share Certificate	4.21%	4.30%	60 months
Details Loyalty Rate: 4.21%, Loyalty APY: 4.30% Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
60 Month Jumbo Share Certificates	4.21%	4.30%	60 months
Details Loyalty Rate: 4.21%, Loyalty APY: 4.30% Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
60 Month Regular Share Certificates	4.21%	4.30%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
24 Month IRA Jumbo Share Certificate	4.16%	4.25%	24 months
Details Loyalty Rate: 4.16%, Loyalty APY: 4.25% Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
24 Month IRA Share Certificate	4.16%	4.25%	24 months
Details Loyalty Rate: 4.16%, Loyalty APY: 4.25% Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
24 Month Jumbo Share Certificates	4.16%	4.25%	24 months
Details Loyalty Rate: 4.16%, Loyalty APY: 4.25% Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
24 Month Regular Share Certificates	4.16%	4.25%	24 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
48 Month IRA Jumbo Share Certificate	4.11%	4.20%	48 months
Details Loyalty Rate: 4.11%, Loyalty APY: 4.20% Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
48 Month IRA Share Certificate	4.11%	4.20%	48 months
Details Loyalty Rate: 4.11%, Loyalty APY: 4.20% Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
48 Month Jumbo Share Certificates	4.11%	4.20%	48 months
Details Loyalty Rate: 4.11%, Loyalty APY: 4.20% Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
48 Month Regular Share Certificates	4.11%	4.20%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
36 Month IRA Jumbo Share Certificate	4.07%	4.15%	36 months
Details Loyalty Rate: 4.07%, Loyalty APY: 4.15% Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
36 Month IRA Share Certificate	4.07%	4.15%	36 months
Details Loyalty Rate: 4.07%, Loyalty APY: 4.15% Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
36 Month Jumbo Share Certificates	4.07%	4.15%	36 months
Details Loyalty Rate: 4.07%, Loyalty APY: 4.15% Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
36 Month Regular Share Certificates	4.07%	4.15%	36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
12 Month IRA Jumbo Share Certificate	3.87%	3.95%	12 months
Details Loyalty Rate: 3.87%, Loyalty APY: 3.95% Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
12 Month IRA Share Certificate	3.87%	3.95%	12 months
Details Loyalty Rate: 3.87%, Loyalty APY: 3.95% Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
12 Month Jumbo Share Certificates	3.87%	3.95%	12 months
Details Loyalty Rate: 3.87%, Loyalty APY: 3.95% Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
12 Month Regular Share Certificates	3.87%	3.95%	12 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
6 Month IRA Jumbo Share Certificate	3.83%	3.90%	6 months
Details Loyalty Rate: 3.83%, Loyalty APY: 3.90% Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
6 Month IRA Share Certificate	3.83%	3.90%	6 months
Details Loyalty Rate: 3.83%, Loyalty APY: 3.90% Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
6 Month Jumbo Share Certificates	3.83%	3.90%	6 months
Details Loyalty Rate: 3.83%, Loyalty APY: 3.90% Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
6 Month Regular Share Certificates	3.83%	3.90%	6 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
3 Month IRA Share Certificate	0.05%	0.05%	3 months
Details Loyalty Rate: 0.05%, Loyalty APY: 0.05% Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
3 Month Regular Share Certificates	0.05%	0.05%	3 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Deseret First Federal Credit Union Business CD Rates

Product	Rate	APY	Term
60 Month Business Jumbo Share Certificates	4.21%	4.30%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
60 Month Business Share Certificate	4.21%	4.30%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
24 Month Business Jumbo Share Certificates	4.16%	4.25%	24 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
24 Month Business Share Certificate	4.16%	4.25%	24 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
48 Month Business Jumbo Share Certificates	4.11%	4.20%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
48 Month Business Share Certificate	4.11%	4.20%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
36 Month Business Jumbo Share Certificates	4.07%	4.15%	36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
36 Month Business Share Certificate	4.07%	4.15%	36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
12 Month Business Jumbo Share Certificates	3.87%	3.95%	12 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
12 Month Business Share Certificate	3.87%	3.95%	12 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
6 Month Business Jumbo Share Certificates	3.83%	3.90%	6 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
6 Month Business Share Certificate	3.83%	3.90%	6 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
3 Month Business Share Certificate	0.05%	0.05%	3 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Deseret First Federal Credit Union Savings Rates

Product	Rate	APY
Mission Savings Fund	4.02%	4.10%
Min Balance $0 Details Savings Amount: $0-$15,000 Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60% Oct 9, 20264.10%▲ from 3.60% Sep 17, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Mission Savings Fund	3.54%	3.60%
Min Balance $0 Details Savings Amount: $0-$15,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Platinum Savings	2.81%	2.85%
Min Balance $100,000 Details Balance: $100,000-$1,000,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Platinum Savings	-	2.85%
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000 - $1,000,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Platinum Savings	1.98%	2.00%
Min Balance $10,000 Details Balance: $10,000-$99,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Platinum Savings	-	2.00%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
IRA Savings	0.20%	0.20%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Membership Savings	0.05%	0.05%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Mission Savings Fund	0.05%	0.05%
Min Balance $15,000 Details Balance: $15,000+; Savings Amount: $15,000+ Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Platinum Savings	0.05%	0.05%
Min Balance $0 Details Balance: $0-$9,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Platinum Savings	-	0.05%
Min Deposit $10,000 Min Balance $0 Details Balance: $0 - $9,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Special Savings	0.05%	0.05%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Student Savings	0.05%	0.05%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Youth Cents Savings	0.05%	0.05%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Deseret First Federal Credit Union Business Savings Rates

Product	Rate	APY
Business Membership Savings	0.05%	0.05%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Business Special Savings	0.05%	0.05%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Deseret First Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	3.78%	3.85%
Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Money Market Accounts	3.40%	3.45%
Min Balance $500,000 Details Balance: $500,000-$999,999 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Money Market Accounts	3.30%	3.35%
Min Balance $250,000 Details Balance: $250,000-$499,999 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Money Market Accounts	2.57%	2.60%
Min Balance $100,000 Details Balance: $100,000-$249,999 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 2.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Money Market Accounts	1.98%	2.00%
Min Balance $20,000 Details Balance: $20,000-$99,999 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Money Market Accounts	1.09%	1.10%
Min Balance $2,500 Details Balance: $2,500-$19,999 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 1.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Money Market Accounts	0.25%	0.25%
Min Balance $0 Details Balance: $0-$2,499 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Deseret First Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	3.78%	3.85%
Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Business Money Market	3.40%	3.45%
Min Balance $500,000 Details Balance: $500,000-$999,999 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Business Money Market	3.30%	3.35%
Min Balance $250,000 Details Balance: $250,000-$499,999 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Business Money Market	2.57%	2.60%
Min Balance $100,000 Details Balance: $100,000-$249,999 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 2.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Business Money Market	1.98%	2.00%
Min Balance $20,000 Details Balance: $20,000-$99,999 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Business Money Market	1.09%	1.10%
Min Balance $2,500 Details Balance: $2,500-$19,999 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 1.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Business Money Market	0.25%	0.25%
Min Balance $0 Details Balance: $0-$2,499 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Deseret First Federal Credit Union Mortgage Rates

Product	Rate	Points	APR
Mortgage - 5/6 ARM	5.99%	-	6.575%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 6.58% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
15-Year Fixed	6.625%	-	6.838%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 2, 2026 · 6.84% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
30-Year Fixed	6.75%	-	6.881%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 2, 2026 · 6.88% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
10-Year Fixed	6.625%	-	6.925%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 2, 2026 · 6.93% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Mortgage - 30-Year VA Loan	6.875%	-	7.209%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 2, 2026 · 7.21% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
20-Year Fixed	7.125%	-	7.299%
No additional details. Last Updated 10/09/2026 Rate History 1 change since Oct 2, 2026 · 7.43% → 7.30% ▼ 0.13 pts · high 7.43% / low 7.30% Oct 9, 20267.30%▼ from 7.43% Oct 2, 20267.43%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
30-Year FHA Loan	6.75%	-	7.596%
No additional details. Last Updated 10/09/2026 Rate History 1 change since Oct 2, 2026 · 7.34% → 7.60% ▲ 0.25 pts · high 7.60% / low 7.34% Oct 9, 20267.60%▲ from 7.34% Oct 2, 20267.34%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
30-Year Jumbo Loan	7.49%	-	7.604%
No additional details. Last Updated 10/09/2026 Rate History 1 change since Oct 2, 2026 · 7.49% → 7.60% ▲ 0.12 pts · high 7.60% / low 7.49% Oct 9, 20267.60%▲ from 7.49% Oct 2, 20267.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Mortgage - 7/6 ARM	7.375%	-	7.685%
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 25, 2026 · 8.01% → 7.69% ▼ 0.32 pts · high 8.14% / low 7.69% Oct 9, 20267.69%▼ from 8.14% Oct 2, 20268.14%▲ from 8.01% Sep 25, 20268.01%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Deseret First Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
HELOC 20-Year Term (10-Year Draw)	7.00%	-	7.00%	20-Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 2, 20267.00%▲ from 6.75% Sep 17, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Home Equity No-Cost HELOC	7.00%	-	7.00%	20 years
Details Term: 20-Year Term (10-Year Draw); No closing costs if your account remains open for three years or longer. Rate is variable as low as Prime Rate plus margin, with a 3.50% floor. Maximum interest rate over the life of the loan is 18% APR. Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 2, 20267.00%▲ from 6.75% Sep 17, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Deseret First Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	4.74%	24 - 48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Auto Loans	-	-	4.74%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Auto Loans	-	-	5.49%	72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Auto Loans	-	-	6.24%	84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 6.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Deseret First Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
ATVs Loan	-	7.74%	Up to 5 years
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Boats Loan	-	7.74%	Up to 15 years
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Camper Trailers Loan	-	7.74%	Up to 15 years
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Motorcycles Loan	-	7.74%	Up to 5 years
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Motorhomes Loan	-	7.74%	Up to 15 years
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Personal Watercraft Loan	-	7.74%	Up to 5 years
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Side-by-sides Loan	-	7.74%	Up to 15 years
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Snowmobiles Loan	-	7.74%	Up to 5 years
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Deseret First Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	8.90%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 8.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Visa Platinum Rewards	-	10.90%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 10.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Business Visa Platinum	-	16.85%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 16.85% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Business Visa Platinum Rewards	-	17.90%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 17.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Visa Signature	-	17.90%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 17.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Business Visa Signature	-	18.00%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 18.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Deseret First Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Watercraft Loan	7.74%	Up to 5 years
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Visa Signature	17.90%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 17.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Business Visa Signature	18.00%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 18.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Deseret First Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
10-Year 2nd Mortgage	7.50%	-	7.50%	10-Year
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
24-Month Fixed-Rate	12.14%	-	12.14%	24-Month
Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 12.14% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
36-Month Fixed-Rate	12.24%	-	12.24%	36-Month
Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 12.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
48-Month Fixed-Rate	12.49%	-	12.49%	48-Month
Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 12.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
5-Year 2nd Mortgage	7.00%	-	7.00%	5-Year
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
6-Year Balloon (15-year amortization) Loan	7.50%	-	7.50%	6-Year
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
6-Year Balloon (30-year amortization) Loan	7.75%	-	7.75%	6-Year
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
60-Month Fixed-Rate	12.99%	-	12.99%	60-Month
Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 12.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Fifth Wheels Loan	-	-	7.74%	Up to 15 years
Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
First-Time Home Buyer Loan	7.125%	-	7.252%
Last Updated 10/09/2026 Rate History No change since Oct 2, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Lot Loan - 3-year Balloon (30 year amortization)	7.75%	-	7.75%
Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Lot Loan - 5-year Balloon (30 year amortization)	8.00%	-	8.00%
Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 8.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
First Choice Interest	0.50%	-	0.50%
Min Balance $0 Details Balance: $0 - $10,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
First Choice Interest	0.05%	-	0.05%
Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
First Choice Platinum	1.00%	-	1.00%
Min Balance $0 Details Balance: $0 - $10,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
First Choice Platinum	0.05%	-	0.05%
Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
First Choice Platinum Rewards	0.50%	-	0.50%
Min Balance $0 Details Balance: $0 - $10,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Interest / Platinum / Platinum Rewards (Non-Qualifying)	0.05%	-	0.05%
Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Deseret First Federal Credit Union’s Texas Ratio rose from 2.58% in Q3 2023 to 6.76% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.3B	6.76%	5.0	A
March 31, 2026	$1.3B	6.37%	5.0	A
December 31, 2025	$1.2B	7.10%	5.0	A
September 30, 2025	$1.2B	6.69%	5.0	A
June 30, 2025	$1.2B	6.22%	5.0	A
March 31, 2025	$1.2B	5.77%	5.0	A+
December 31, 2024	$1.1B	6.88%	5.0	A
September 30, 2024	$1.1B	6.96%	5.0	A
June 30, 2024	$1.1B	5.02%	5.0	A+
March 31, 2024	$1.1B	4.50%	5.0	A+
December 31, 2023	$1.1B	4.97%	5.0	A+
September 30, 2023	$1.1B	2.58%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Deseret First Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Deseret First Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Deseret First Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Deseret First Federal Credit Union

Website https://www.dfcu.com

Address 3999 W Parkway Blvd, West Valley City, UT 84120

Phone 801-456-7000

Fax 801-364-6747

President Kathleen Fueston

CEO Shane London

Full-Time Employees 220

Part-Time Employees 6

Branch Locations 13

ATM Locations 9

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.76%

Return on Assets (ROA)

0.4441%

Return on Equity (ROE)

5.2827%

Non-Performing Loans Ratio (NPL)

0.75%

Total Assets

1,274,027,806

Total Amount of Shares and Deposits

1,143,548,308

Total Shares and Deposits < 1 Year

1,064,226,223

Total Shares and Deposits 1 3 Years

61,882,593

Total Shares and Deposits > 3 Years

17,439,493

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

129,161,503

Total Uninsured Shares and Deposits > $250K (F+J)

129,161,503

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,014,386,805

Total Interest Expense (Sum of items 6 8)

12,722,439

Share Certificates

9,546

Number of Accounts for Share Drafts

60,333

IRA KEOGH Accounts

2,312

Number of Accounts for Regular Shares

114,777

Money Market Shares

9,197

Net Income (unless the amount is already included in Undivided Earnings)

5,657,882

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

104,361,636

Total Liabilities

1,167,339,419

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Deseret First Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Deseret First Federal Credit Union

How many branches does Deseret First Federal Credit Union operate?

Deseret First Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Deseret First Federal Credit Union?

Yes, to access services at Deseret First Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Deseret First Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Deseret First Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Deseret First Federal Credit Union offer online and mobile banking?

Most modern institutions like Deseret First Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.dfcu.com.

Current Deseret First Federal Credit Union Rates

12-Month CD3.95%
24-Month CD4.25%
60-Month CD4.30%
Savings4.10%
MMA3.85%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Deseret First Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Deseret First Federal Credit Union Texas Ratio

Deseret First Federal Credit Union Health Trend

Deseret First Federal Credit Union CD Rates

Deseret First Federal Credit Union Business CD Rates

Deseret First Federal Credit Union Savings Rates

Deseret First Federal Credit Union Business Savings Rates

Deseret First Federal Credit Union Money Market Rates

Deseret First Federal Credit Union Business Money Market Rates

Deseret First Federal Credit Union Mortgage Rates

Deseret First Federal Credit Union Home Equity & HELOC

Deseret First Federal Credit Union Auto Loan Rates

Deseret First Federal Credit Union RV, Boat and Powersport Loan Rates

Deseret First Federal Credit Union Credit Card Rates

Deseret First Federal Credit Union Personal Loan Rates

Deseret First Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Deseret First Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Deseret First Federal Credit Union

How many branches does Deseret First Federal Credit Union operate?

Is a member application needed to join Deseret First Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Deseret First Federal Credit Union offer online and mobile banking?

Current Deseret First Federal Credit Union Rates

Compare to Other Credit Unions