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 Deseret First Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 21, 2026
Deseret First Federal Credit Union's 60 Month Business Jumbo CDs rates are at 4.30%, 60 Month Business CDs rates are at 4.30%, 60 Month IRA Jumbo CDs rates are at 4.30%, 60 Month Jumbo CDs rates are at 4.30%, 60 Month Regular CDs rates are at 4.30%. Deseret First Federal Credit Union's savings rates are at 0.05%. Deseret First Federal Credit Union's money market rates are at 0.25%. Deseret First Federal Credit Union's Mortgage Rates - 5/6 ARM rates are at 5.38%, Mortgage Rates - 30 Yr Fixed rates are at 6.38%, 10-Year Fixed Rate rates are at 6.25%, Mortgage Rates - 15 Yr Fixed rates are at 6.38%, Mortgage Rates - 10 Yr Fixed rates are at 6.38%. Deseret First Federal Credit Union's RV, Boat and Powersport Loan Rates are as low as 7.74%. Deseret First Federal Credit Union's Credit Card Rates are at 8.90%. 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 6.37%. Rates last updated and verified on 09/21/2026. 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. Deseret First Federal Credit Union
Operations Center 3999 W Parkway Blvd
https://www.dfcu.com West Valley City, UT 84120 
Deseret First Federal Credit Union CD Rates
Deseret First Federal Credit Union Savings Rates
Deseret First Federal Credit Union 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 HistoryDeseret First Federal Credit Union’s Texas Ratio rose from 4.00% in Q2 2023 to 6.37% in Q1 2026, so its financial health has weakened 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
219
Part-Time Employees
10
Branch Locations
13
ATM Locations
9
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.37%
Return on Assets (ROA)
0.2376%
Return on Equity (ROE)
2.8680%
Non-Performing Loans Ratio (NPL)
0.70%
Total Assets
1,260,613,257
Total Amount of Shares and Deposits
1,133,413,504
Total Shares and Deposits < 1 Year
1,079,139,783
Total Shares and Deposits 1 3 Years
35,985,152
Total Shares and Deposits > 3 Years
18,288,568
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
124,324,840
Total Uninsured Shares and Deposits > $250K (F+J)
124,324,840
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,009,088,664
Total Interest Expense (Sum of items 6 8)
6,325,925
Share Certificates
9,519
Number of Accounts for Share Drafts
59,838
IRA KEOGH Accounts
2,334
Number of Accounts for Regular Shares
114,549
Money Market Shares
8,925
Net Income (unless the amount is already included in Undivided Earnings)
2,995,344
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)
93,542,468
Total Liabilities
1,156,240,825
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Deseret First Federal Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
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Frequently Asked Questions About Deseret First Federal Credit UnionHow 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
Retrieved from our database of financial products. Rates subject to change.
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