--- title: "Desert Financial Credit Union Rates - Arizona" description: "Current mortgage, auto loan, and savings & cd rates from Desert Financial Credit Union in Arizona. Updated daily with source verification. See who can join Desert Financial Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/arizona/desert-financial" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Desert Financial Credit Union Rates - Arizona ### Mortgage rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Jumbo 30-year fixed as low as** 30 year fixed | — APR | 7.178% | — | Standard | | **30-Year Fixed As Low As** 30 year fixed | — APR | 7.310% | — | Standard | | **15-Year Fixed As Low As** 15 year fixed | — APR | 6.701% | — | Standard | | **5/6 ARM as low as** 5 1 arm | — APR | 6.822% | — | Standard | | **Down payment** other | — APR | 5.000% | — | Standard | | **Mortgage loans as low as** other | — APR | 6.701% | — | Standard | Desert Financial Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **New auto loans as low as** auto_new | — APR | 6.340% | new | Standard | | **Used auto loans as low as** auto_used | — APR | 6.340% | used | Standard | Desert Financial Credit Union auto & vehicle rates as of November 12, 2026 ### Savings & CD rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Savings Certificates as high as** cd | — APY | 3.65% | — | Standard | Desert Financial Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Introductory rate** other | — % | 5.990% | — | Introductory offer | Desert Financial Credit Union other rates as of November 12, 2026 Desert Financial Credit Union is a credit union in Arizona. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/arizona/desert-financial) , verified from [Desert Financial Credit Union's official website](https://www.desertfinancial.com/) Loading branch locator… ## About Desert Financial Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 511.4K Assets $9.8B Founded 1939 Locations reported 51 NCUA charter 68713 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial education - First-time homebuyer program - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**American Airlines** AAFCU - PHX · Phoenix · AZ · 85034 About 1.0 miles away](https://rateapi.dev/credit-unions/texas/american-airlines) [**Aero** Engines and Systems Branch · Phoenix · AZ · 85034 About 1.0 miles away](https://rateapi.dev/credit-unions/arizona/aero) [**Em** Data Storage Centers · Phoenix · AZ · 85034-6816 About 1.2 miles away](https://rateapi.dev/credit-unions/arizona/em) [**Marisol** Hospital Branch · PHOENIX · AZ · 85008 About 2.0 miles away](https://rateapi.dev/credit-unions/arizona/marisol) [**Arizona Financial** Operations Center · Phoenix · AZ · 85008 About 2.2 miles away](https://rateapi.dev/credit-unions/arizona/arizona-financial) [**Sharefax** IRON MOUTAIN DATA CENTER · Phoenix · AZ · 85008-6608 About 2.7 miles away](https://rateapi.dev/credit-unions/ohio/sharefax) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Desert Financial Credit Union Membership eligibility from Desert Financial Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Desert Financial Credit Union's website. Check the membership page below to confirm whether you qualify. - Location AZ Verified from [Desert Financial Credit Union's membership page](https://www.desertfinancial.com/en/who-we-are/become-a-member) . Final membership determination is always made by the credit union. ## Membership rules for Desert Financial Credit Union Geography 7 · Employers · Family 9 published paths to membership, last verified November 8, 2026, quoted from Desert Financial Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - AZ “Desert Financial Credit Union’s field of membership includes persons who live, work (or regularly conduct business in), worship, volunteer, or attend school in the State of Arizona” > [source ↗](https://www.desertfinancial.com/en/who-we-are/become-a-member) ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Employee of Desert Financial “Be an employee of Desert Financial.” > [source ↗](https://www.desertfinancial.com/en/who-we-are/become-a-member) - Employee of Desert Financial ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member immediate family, household member, spouse “persons who are in the immediate family or household of a member; spouses or parties to a civil union of persons within the field of membership” > [source ↗](https://www.desertfinancial.com/en/who-we-are/become-a-member) - Family member (immediate family, household member, spouse) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Desert Financial Credit Union? Yes No ## Work at Desert Financial Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Desert Financial Credit Union ranks against Arizona peers. - See which AI assistants fetched Desert Financial Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Arizona - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=desert-financial&state=arizona&code=AZ&name=Desert%20Financial%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Desert Financial Credit Union offer? Desert Financial Credit Union currently offers mortgage, and Auto loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Desert Financial Credit Union rates updated? RateAPI verifies Desert Financial Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Desert Financial Credit Union's rate data? Rate data is collected directly from Desert Financial Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Desert Financial Credit Union? Desert Financial Credit Union publishes its membership criteria on its own website. RateAPI tracks 9 published membership paths covering 7 geographic areas and 1 employer for Desert Financial Credit Union, each quoted from Desert Financial Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Desert Financial Credit Union's rates against national credit-union benchmarks. [More Arizona credit unions](https://rateapi.dev/credit-unions/arizona) [Arizona mortgage rate leaders](https://rateapi.dev/mortgage-rates/arizona) [Arizona auto loan rate leaders](https://rateapi.dev/auto-loan-rates/arizona) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.desertfinancial.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Desert Financial Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Arizona credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Desert Financial Credit Union curl "https://api.rateapi.dev/credit-unions/arizona /desert-financial " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Desert Financial Credit Union locations Search, filter, and browse all 51 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/arizona/desert-financial Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp