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Deseret First Federal Credit Union

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Deseret First Federal Credit Union Rates & Review November 2026

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

Current rates for Deseret First Federal Credit Union include: 12-Month CD: 4.05%, 24-Month CD: 4.50%, 60-Month CD: 4.50%, Savings: 4.10%, MMA: 3.85%

Q: What CD terms does Deseret First Federal Credit Union offer?

Deseret First Federal Credit Union CD rates are 4.05% APY for a 12 month CD, 4.50% APY for a 2 year CD, 4.40% APY for a 4 year CD and 4.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Deseret First Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Deseret First Federal Credit Union's 24 Month CD rates are at 4.50%, 60 Month CD rates are at 4.50%, Regular CD - Loyalty - 24 month rates are at 4.50%, Regular CD - Loyalty - 60 month rates are at 4.50%, 48 Month CD rates are at 4.40%. Deseret First Federal Credit Union's savings rates are at 4.10%. Deseret First Federal Credit Union's money market rates are at 3.85%. Deseret First Federal Credit Union's checking rates are as high as 0.05%. Deseret First Federal Credit Union's 15-Year Fixed rates are at 6.38%, 10-Year Fixed rates are at 6.38%, 20-Year Fixed rates are at 6.62%, 7/6 ARM rates are at 6.75%, Mortgage - 30-Year VA Loan rates are at 6.62%. 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%. Deseret First Federal Credit Union's CD rates are 28% higher than the MonitorBankRates national average, and it has an A health rating. 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 10/29/2026.

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 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
24 Month IRA Jumbo Share Certificates	4.40%	4.50%	24 months
Min Balance $75,000 Details Minimum balance $75,000.00 to earn advertised APY Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Oct 29, 20264.50%▲ from 4.25% Oct 13, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
24 Month Jumbo Share Certificates	4.40%	4.50%	24 months
Min Balance $75,000 Details Minimum balance to open and earn advertised APY: $75,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
24 Month Share Certificate	4.40%	4.50%	24 months
No additional details. Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Oct 26, 20264.50%▲ from 4.25% Oct 13, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
60 Month IRA Jumbo Share Certificates	4.40%	4.50%	60 months
Min Balance $75,000 Details Minimum balance $75,000.00 to earn advertised APY Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30% Oct 29, 20264.50%▲ from 4.30% Oct 13, 20264.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
60 Month Jumbo Share Certificates	4.40%	4.50%	60 months
Min Balance $75,000 Details Minimum balance to open and earn advertised APY: $75,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
60 Month Share Certificate	4.40%	4.50%	60 months
No additional details. Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30% Oct 26, 20264.50%▲ from 4.30% Oct 13, 20264.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Regular Share Certificate - Loyalty - 24 month	4.40%	4.50%	24 months
Details Loyalty Rate Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Regular Share Certificate - Loyalty - 60 month	4.40%	4.50%	60 months
Details Loyalty Rate Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
48 Month IRA Jumbo Share Certificates	4.31%	4.40%	48 months
Min Balance $75,000 Details Minimum balance $75,000.00 to earn advertised APY Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20% Oct 29, 20264.40%▲ from 4.20% Oct 13, 20264.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
48 Month Jumbo Share Certificates	4.31%	4.40%	48 months
Min Balance $75,000 Details Minimum balance to open and earn advertised APY: $75,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
48 Month Share Certificate	4.31%	4.40%	48 months
No additional details. Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20% Oct 26, 20264.40%▲ from 4.20% Oct 13, 20264.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Regular Share Certificate - Loyalty - 48 month	4.31%	4.40%	48 months
Details Loyalty Rate Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 4.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
36 Month IRA Jumbo Share Certificates	4.26%	4.35%	36 months
Min Balance $75,000 Details Minimum balance $75,000.00 to earn advertised APY Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15% Oct 29, 20264.35%▲ from 4.15% Oct 13, 20264.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
36 Month Jumbo Share Certificates	4.26%	4.35%	36 months
Min Balance $75,000 Details Minimum balance to open and earn advertised APY: $75,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
36 Month Share Certificate	4.26%	4.35%	36 months
No additional details. Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15% Oct 26, 20264.35%▲ from 4.15% Oct 13, 20264.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Regular Share Certificate - Loyalty - 36 month	4.26%	4.35%	36 months
Details Loyalty Rate Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 4.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
12 Month IRA Jumbo Share Certificates	3.97%	4.05%	12 months
Min Balance $75,000 Details Minimum balance $75,000.00 to earn advertised APY Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95% Oct 29, 20264.05%▲ from 3.95% Oct 13, 20263.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
12 Month Jumbo Share Certificates	3.97%	4.05%	12 months
Min Balance $75,000 Details Minimum balance to open and earn advertised APY: $75,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
12 Month Share Certificate	3.97%	4.05%	12 months
No additional details. Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95% Oct 26, 20264.05%▲ from 3.95% Oct 13, 20263.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Regular Share Certificate - Loyalty - 12 month	3.97%	4.05%	12 months
Details Loyalty Rate Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
6 Month IRA Jumbo Share Certificates	3.87%	3.95%	6 months
Min Balance $75,000 Details Minimum balance $75,000.00 to earn advertised APY Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.90% → 3.95% ▲ 0.05 pts · high 3.95% / low 3.90% Oct 29, 20263.95%▲ from 3.90% Oct 13, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
6 Month Jumbo Share Certificates	3.87%	3.95%	6 months
Min Balance $75,000 Details Minimum balance to open and earn advertised APY: $75,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
6 Month Share Certificate	3.87%	3.95%	6 months
No additional details. Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.90% → 3.95% ▲ 0.05 pts · high 3.95% / low 3.90% Oct 26, 20263.95%▲ from 3.90% Oct 13, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Regular Share Certificate - Loyalty - 6 month	3.87%	3.95%	6 months
Details Loyalty Rate Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 3.95% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
3 Month Share Certificate	0.05%	0.05%	3 months
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Regular Share Certificate - Loyalty - 3 month	0.05%	0.05%	3 months
Details Loyalty Rate Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 0.05% APY 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 - Loyalty	4.02%	4.10%
Min Balance $0 Details Balance: $0-$15,000 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Mission Savings Fund	3.54%	3.60%
Min Balance $0 Details Balance: $0-$15,000 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.60% APY · checked 10 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 10/29/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 10 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; Requires one year of DFCU membership and $10,000 average balance over the past 12 months Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 10 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 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 10 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; Requires one year of DFCU membership and $10,000 average balance over the past 12 months Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
IRA Savings	0.20%	0.20%
Min Balance $0 Details APY earned on balances beginning at $0.01 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Membership Savings	0.05%	0.05%
Min Balance $30 Details APY earned on balances over $30.00; interest calculated on the entire balance of the account Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.05% APY · checked 2 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+ Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 0.05% APY · checked 10 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 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 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; Requires one year of DFCU membership and $10,000 average balance over the past 12 months Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Special Savings	0.05%	0.05%
Min Balance $0 Details APY earned on balances beginning at $0.01 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Student Savings	0.05%	0.05%
Min Balance $0 Details APY earned on balances beginning at $0.01 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Youth Cents Savings	0.05%	0.05%
Min Balance $0 Details APY earned on balances beginning at $0.01 Last Updated 10/29/2026 Rate History No change since Oct 26, 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 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 10/29/2026 Rate History No change since Sep 17, 2026 · 3.85% APY · checked 9 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 10/29/2026 Rate History No change since Sep 17, 2026 · 3.45% APY · checked 9 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 10/29/2026 Rate History No change since Sep 17, 2026 · 3.35% APY · checked 9 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 10/29/2026 Rate History No change since Sep 17, 2026 · 2.60% APY · checked 9 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 10/29/2026 Rate History No change since Sep 17, 2026 · 2.00% APY · checked 9 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 10/29/2026 Rate History No change since Sep 17, 2026 · 1.10% APY · checked 9 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 10/29/2026 Rate History No change since Sep 17, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Deseret First Federal Credit Union Checking Rates

Product	Rate	APY
Standard Checking Accounts - Interest / Platinum / Platinum Rewards (Non-Qualifying)	0.05%	0.05%
Details Non-Qualifying rate Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Standard Checking Accounts - Regular	0.00%	0.00%
No additional details. Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Deseret First Federal Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Advantage Checking	0.00%	0.00%
No additional details. Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Deseret First Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15-Year Fixed	6.375%	-	6.587%	15 years
Details Rates include 1% origination fee. Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 6.84% → 6.59% ▼ 0.25 pts · high 6.84% / low 6.59% Oct 29, 20266.59%▼ from 6.84% Oct 5, 20266.84%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
10-Year Fixed	6.375%	-	6.674%	10 years
Details Rates include 1% origination fee. Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 7.05% → 6.67% ▼ 0.38 pts · high 7.05% / low 6.67% Oct 29, 20266.67%▼ from 7.05% Oct 5, 20267.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
20-Year Fixed	6.625%	-	6.796%	20 years
Details Rates include 1% origination fee. Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 7.43% → 6.80% ▼ 0.63 pts · high 7.43% / low 6.80% Oct 29, 20266.80%▼ from 7.43% Oct 5, 20267.43%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
7/6 ARM	6.75%	-	6.941%
Details Rates include 1% origination fee. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.94% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Mortgage - 30-Year VA Loan	6.625%	-	6.954%	30 years
Details Rates include 1% origination fee. Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 7.21% → 6.95% ▼ 0.25 pts · high 7.21% / low 6.95% Oct 29, 20266.95%▼ from 7.21% Oct 5, 20267.21%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
5/6 ARM	6.99%	-	7.054%
Details Rates include 1% origination fee. Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 6.86% → 7.05% ▲ 0.20 pts · high 7.05% / low 6.86% Oct 29, 20267.05%▲ from 6.86% Oct 26, 20266.86%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
30-Year FHA Loan	6.375%	-	7.089%	30 years
Details Rates include 1% origination fee. Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 7.47% → 7.09% ▼ 0.38 pts · high 7.47% / low 7.09% Oct 29, 20267.09%▼ from 7.47% Oct 5, 20267.47%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
30-Year Fixed	6.99%	-	7.123%	30 years
Details Rates include 1% origination fee. Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 6.88% → 7.12% ▲ 0.24 pts · high 7.12% / low 6.88% Oct 29, 20267.12%▲ from 6.88% Oct 5, 20266.88%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
30-Year Jumbo Loan	7.375%	-	7.488%	30 years
Details Rates include 1% origination fee. Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 7.49% APR · checked 2 times 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%
Details 10-Year Draw; Home Equity Line of Credit Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Home Equity HELOC 20-Year Term (10-Year Draw)	7.00%	-	7.00%	20-Year
Details As Low As; Variable rate; Rate stated as APR; Prime Rate plus margin with 3.50% floor; maximum interest rate over life of loan 18% APR; no closing costs if line remains open three years or longer Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.00% APR · checked 4 times 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 Loan - 24 - 48 Months	-	-	4.99%	24-48 months
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Auto Loan - 60 Months	-	-	4.99%	60 months
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Auto Loan - 72 Months	-	-	5.24%	72 months
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Auto Loan - 84 Months	-	-	5.99%	84 months
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.99% APR · checked 2 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
RV & Recreation Loans - ATVs	-	7.74%	Up to 5 years
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
RV & Recreation Loans - Boats	-	7.74%	Up to 15 years
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
RV & Recreation Loans - Camper Trailers	-	7.74%	Up to 15 years
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
RV & Recreation Loans - Fifth Wheels	-	7.74%	Up to 15 years
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
RV & Recreation Loans - Motorcycles	-	7.74%	Up to 5 years
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
RV & Recreation Loans - Motorhomes	-	7.74%	Up to 15 years
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
RV & Recreation Loans - Personal Watercraft	-	7.74%	Up to 5 years
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
RV & Recreation Loans - Side-by-sides	-	7.74%	Up to 15 years
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
RV & Recreation Loans - Snowmobiles	-	7.74%	Up to 5 years
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.74% APR · checked 4 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 10/29/2026 Rate History No change since Sep 17, 2026 · 8.90% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Visa Platinum Rewards	-	10.90%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 10.90% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Business Visa Platinum	-	16.85%
Details Variable rate credit card; Foreign transaction fees apply: 1% of purchase; Cash advance fees apply: 1.5% of advance Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 16.85% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Business Visa Platinum Rewards	-	17.90%
Details Variable rate credit card; Foreign transaction fees apply: 1% of purchase; Cash advance fees apply: 1.5% of advance Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 17.90% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Visa Signature	-	17.90%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 17.90% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Business Visa Signature	-	18.00%
Details Fixed rate credit card; Foreign transaction fees apply: 1% of purchase; Cash advance fees apply: 1.5% of advance Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 18.00% APR · checked 10 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
RV & Recreation Loans - Personal Watercraft	7.74%	Up to 5 years
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Standard Personal Loans - 24-Month Fixed-Rate	12.14%	24 months
Details Fixed-rate personal loan Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 12.14% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Standard Personal Loans - 36-Month Fixed-Rate	12.24%	36 months
Details Fixed-rate personal loan Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 12.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Standard Personal Loans - 48-Month Fixed-Rate	12.49%	48 months
Details Fixed-rate personal loan Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 12.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Standard Personal Loans - 60-Month Fixed-Rate	12.99%	60 months
Details Fixed-rate personal loan Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 12.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Visa Signature	17.90%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 17.90% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Business Visa Signature	18.00%
Details Fixed rate credit card; Foreign transaction fees apply: 1% of purchase; Cash advance fees apply: 1.5% of advance Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 18.00% APR · checked 10 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%
Details Second Mortgage Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
5-Year 2nd Mortgage	7.00%	-	7.00%
Details Second Mortgage Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.00% APR · checked 3 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%
Details Second Mortgage; 15-year amortization Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.50% APR · checked 3 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%
Details Second Mortgage; 30-year amortization Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
First-Time Home Buyer Loan	7.25%	-	7.378%
Details Rates include 1% origination fee. Last Updated 10/29/2026 Rate History 1 change since Oct 2, 2026 · 7.25% → 7.38% ▲ 0.13 pts · high 7.38% / low 7.25% Oct 19, 20267.38%▲ from 7.25% Oct 2, 20267.25%first recorded 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 10/29/2026 Rate History No change since Sep 17, 2026 · 7.75% APR · checked 10 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 10/29/2026 Rate History No change since Sep 17, 2026 · 8.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
One-Time Close Construction Loan	6.50%	-	6.94%
Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.94% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Two-Time Close Construction Loan	6.25%	-	8.77%
Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 8.77% APR · checked 3 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 Qualifications Required; Balance: $0 - $10,000; Qualifying balance up to $10,000.00 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 0.50% APY · checked 8 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 Qualifications Required; Balance: $0 - $10,000; Qualifying balance up to $10,000.00 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 1.00% APY · checked 8 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 Qualifications Required; Balance: $0 - $10,000; Qualifying balance up to $10,000.00 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Regular Share Certificate - 12 Months	3.97%	-	4.05%	12 months
Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95% Oct 19, 20264.05%▲ from 3.95% Sep 17, 20263.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Regular Share Certificate - 24 Months	4.40%	-	4.50%	24 months
Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Oct 19, 20264.50%▲ from 4.25% Sep 17, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Regular Share Certificate - 3 Months	0.05%	-	0.05%	3 months
Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Regular Share Certificate - 36 Months	4.26%	-	4.35%	36 months
Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15% Oct 19, 20264.35%▲ from 4.15% Sep 17, 20264.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Regular Share Certificate - 48 Months	4.31%	-	4.40%	48 months
Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20% Oct 19, 20264.40%▲ from 4.20% Sep 17, 20264.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Regular Share Certificate - 6 Months	3.87%	-	3.95%	6 months
Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 3.90% → 3.95% ▲ 0.05 pts · high 3.95% / low 3.90% Oct 19, 20263.95%▲ from 3.90% Sep 17, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Regular Share Certificate - 60 Months	4.40%	-	4.50%	60 months
Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30% Oct 19, 20264.50%▲ from 4.30% Sep 17, 20264.30%first recorded 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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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

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 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Deseret First Federal Credit Union

Does Deseret First Federal Credit Union offer CDs?

Yes. Deseret First Federal Credit Union current CD rates include its 24 Month CD at 4.50% APY, its 60 Month CD at 4.50% APY and its Regular CD - Loyalty - 24 month at 4.50% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Deseret First Federal Credit Union NCUA insured?

Yes. Deseret First Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Deseret First Federal Credit Union?

The highest Deseret First Federal Credit Union CD rate is its 24 Month IRA Jumbo CDs at 4.50% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Deseret First Federal Credit Union offer?

Deseret First Federal Credit Union CD rates are 4.05% APY for a 12 month CD, 4.50% APY for a 2 year CD, 4.40% APY for a 4 year CD and 4.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Deseret First Federal Credit Union for its full lineup.

What is the highest savings rate at Deseret First Federal Credit Union?

The highest Deseret First Federal Credit Union savings rate is its Mission Savings Fund - Loyalty at 4.10% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Deseret First Federal Credit Union?

The highest Deseret First Federal Credit Union money market rate is its Money Market Accounts at 3.85% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Deseret First Federal Credit Union?

The highest Deseret First Federal Credit Union checking rate is its Standard Checking Accounts - Interest / Platinum / Platinum Rewards (Non-Qualifying) at 0.05% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at Deseret First Federal Credit Union?

The lowest Deseret First Federal Credit Union 30 year fixed mortgage rate is its 30-Year Fixed at 6.99%, verified by MonitorBankRates as of October 29, 2026. Deseret First Federal Credit Union mortgage rates are 6.99% for a 30 year mortgage, 6.625% for a 20 year mortgage, 6.375% for a 15 year mortgage, 6.375% for a 10 year mortgage, 6.99% for a 5/6 ARM and 6.75% for a 7/6 ARM.

What is the lowest auto loan rate at Deseret First Federal Credit Union?

The lowest Deseret First Federal Credit Union auto loan rate is its Auto Loan - 24 - 48 Months at 4.99% APR, verified by MonitorBankRates as of October 29, 2026. Deseret First Federal Credit Union auto loan rates are 4.99% APR for a 48 month auto loan, 4.99% APR for a 60 month auto loan, 5.24% APR for a 72 month auto loan and 5.99% APR for an 84 month auto loan.

What is the lowest personal loan rate at Deseret First Federal Credit Union?

The lowest Deseret First Federal Credit Union personal loan rate is its RV & Recreation Loans - Personal Watercraft at 7.74% APR, verified by MonitorBankRates as of October 29, 2026. Deseret First Federal Credit Union personal loan rates are 12.14% for a 24 month personal loan, 12.24% for a 36 month personal loan, 12.49% for a 48 month personal loan and 12.99% for a 60 month personal loan.

What is the lowest credit card APR at Deseret First Federal Credit Union?

The lowest Deseret First Federal Credit Union credit card APR is its Visa Platinum Credit Card at 8.90% APR, verified by MonitorBankRates as of October 29, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Deseret First Federal Credit Union rates compare?

Deseret First Federal Credit Union's CD rates are 28% higher than the MonitorBankRates national average, and it has an A health rating. Deseret First Federal Credit Union's top rates are its 24 Month IRA Jumbo CDs at 4.50% APY, its Mission Savings Fund - Loyalty at 4.10% APY, its Money Market Accounts at 3.85% APY, its Standard Checking Accounts - Interest / Platinum / Platinum Rewards (Non-Qualifying) at 0.05% APY, its 15-Year Fixed at 6.375%, its RV & Recreation Loans - Personal Watercraft at 7.74% APR and its Visa Platinum Credit Card at 8.90% APR, verified by MonitorBankRates on October 29, 2026.

Current Deseret First Federal Credit Union Rates

12-Month CD4.05%
24-Month CD4.50%
60-Month CD4.50%
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 November 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 Savings Rates

Deseret First Federal Credit Union Money Market Rates

Deseret First Federal Credit Union Checking Rates

Deseret First Federal Credit Union Business Checking 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

Does Deseret First Federal Credit Union offer CDs?

Are CDs from Deseret First Federal Credit Union NCUA insured?

What is the highest CD rate at Deseret First Federal Credit Union?

What CD terms does Deseret First Federal Credit Union offer?

What is the highest savings rate at Deseret First Federal Credit Union?

What is the highest money market rate at Deseret First Federal Credit Union?

What is the highest checking rate at Deseret First Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at Deseret First Federal Credit Union?

What is the lowest auto loan rate at Deseret First Federal Credit Union?

What is the lowest personal loan rate at Deseret First Federal Credit Union?

What is the lowest credit card APR at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Deseret First Federal Credit Union rates compare?

Current Deseret First Federal Credit Union Rates

Compare to Other Credit Unions