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iAdvertiser Disclosure
Advertiser Disclosure
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 Desert Financial Credit Union Rates & Review April 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.
Read Full Bio →
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: April 19, 2026
Desert Financial Credit Union's Jumbo Savings CDs 5 Years rates are at 3.80%, Jumbo Savings CDs 4 Years rates are at 3.75%, Traditional & IRA Savings CDs 5 Years rates are at 3.75%, Jumbo Savings CDs 3 Years rates are at 3.70%, Traditional & IRA Savings CDs 4 Years rates are at 3.70%. Desert Financial Credit Union's savings rates are at 0.10%. Desert Financial Credit Union's money market rates are at 0.75%. Desert Financial Credit Union's Mortgage Refi 15 Year Fixed Rate rates are at 5.25%, Mortgage Purchase 15 Year Fixed Rate rates are at 5.25%, Mortgage Refi Jumbo 15 Year Fixed Rate rates are at 5.38%, Mortgage Purchase Jumbo 15 Year Fixed Rate rates are at 5.38%, Mortgage Refi Jumbo 7/6 ARM rates are at 5.25%. Desert Financial Credit Union's Personal Loan Rates are at 5.84%. MonitorBankRates evaluates the financial stability of Desert Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.59%. Rates were last updated on 04/19/2026. Desert Financial 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 Desert Financial Credit Union? Share your experience about Desert Financial Credit Union by leaving a review below, or read customer reviews before you decide to use Desert Financial Credit Union. 
Desert Financial Credit Union CD Rates
Desert Financial Credit Union Savings Rates
Desert Financial Credit Union Money Market Rates
Desert Financial Credit Union Mortgage Rates
Desert Financial Credit Union Home Equity & HELOC
Desert Financial Credit Union Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Desert Financial 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 Desert Financial 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 Desert Financial Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Desert Financial Credit Union
Website
https://www.desertfinancial.com
Address
148 N 48th St,
Phoenix, AZ 85034
Phone
602-433-7000
Fax
President
Kevin Haskew
CEO
Jeffrey Meshey
Full-Time Employees
1,338
Part-Time Employees
26
Branch Locations
49
ATM Locations
50
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.59%
Return on Assets (ROA)
0.5876%
Return on Equity (ROE)
4.9345%
Non-Performing Loans Ratio (NPL)
0.36%
Total Assets
9,174,571,054
Total Amount of Shares and Deposits
8,319,226,012
Total Shares and Deposits < 1 Year
8,152,995,201
Total Shares and Deposits 1 3 Years
119,929,006
Total Shares and Deposits > 3 Years
46,301,805
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
715,071,804
Total Uninsured Shares and Deposits > $250K (F+J)
715,071,804
Total Insured Shares and Deposits > $250K (item 17 less item K)
7,604,154,208
Total Interest Expense (Sum of items 6 8)
125,436,383
Share Certificates
42,442
Number of Accounts for Share Drafts
435,317
IRA KEOGH Accounts
9,177
Number of Accounts for Regular Shares
549,367
All other shares
3,338
Money Market Shares
58,750
Net Income (unless the amount is already included in Undivided Earnings)
53,911,655
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
313,278,962
Total Liabilities
8,347,739,216
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Desert Financial Credit UnionIs Desert Financial Credit Union a safe place to deposit money?Yes, Desert Financial Credit Union is considered a safe financial institution. With a Texas Ratio of 1.588705389096%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Desert Financial Credit Union operate?Desert Financial 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 Desert Financial Credit Union?Yes, to access services at Desert Financial 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, Desert Financial 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, Desert Financial Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Desert Financial Credit Union offer online and mobile banking?Most modern institutions like Desert Financial 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.desertfinancial.com. Current Desert Financial Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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