--- title: "Deseret First Credit Union Rates (Nov 2026): CDs to 4.02%" description: "Deseret First Credit Union rates today: savings & CDs up to 4.02% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Deseret First Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/utah/deseret-first" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Deseret First Credit Union Rates (Nov 2026): CDs to 4.02% ### Mortgage rates 10 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | — APR | 7.000% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.490% | — | Standard | | **10-Year Fixed** 10 year fixed | — APR | 6.490% | — | Standard | | **20-Year Fixed** 20 year fixed | — APR | 6.990% | — | Standard | | **Conventional Mortgages (7/6 ARM)** 7 1 arm | — APR | 6.990% | — | Standard | | **Conventional Mortgages (5/6 ARM)** 5 1 arm | — APR | 7.125% | — | Standard | | **Conventional Mortgages (30-Year FHA)** other | — APR | 6.490% | — | Standard | | **Conventional Mortgages (30-Year VA)** other | — APR | 6.750% | — | Standard | | **Conventional Mortgages (First-Time Home Buyer)** other | — APR | 7.250% | — | Standard | | **Conventional Mortgages (30-Year Jumbo)** other | — APR | 7.500% | — | Standard | Deseret First Credit Union mortgage rates as of November 13, 2026 ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Auto Loans (24 - 48)** auto | — APR | 5.240% | — | Standard | Deseret First Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **HELOC 20-Year Term (10-Year Draw)** heloc_variable | — APR | 7.000% | — | Standard | Deseret First Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Personal Line of Credit** ploc_variable | — APR | 10.900% | — | Standard | | **Standard Personal Loans (24-Month Fixed-Rate)** personal_unsecured_24mo | — APR | 12.140% | 24 mo | Standard | | **Standard Personal Loans (36-Month Fixed-Rate)** personal_unsecured_36mo | — APR | 12.240% | 36 mo | Standard | | **Standard Personal Loans (48-Month Fixed-Rate)** personal_unsecured_48mo | — APR | 12.490% | 48 mo | Standard | | **Standard Personal Loans (60-Month Fixed-Rate)** personal_unsecured_60mo | — APR | 12.990% | 60 mo | Standard | Deseret First Credit Union personal loan rates as of November 13, 2026 ### Savings & CD rates 20 offers | Product | Published | Rate | Term / condition | Status | | **Standard Checking Accounts (Interest / Platinum / Platinum Rewards (Non-Qualifying))** checking | 0.05% APY | 0.05% | — | Specialty offer | | **Platinum Savings ($0-$9,999)** savings | 0.05% APY | 0.05% | — | Standard | | **Mission Savings Fund ($15,000+)** savings | 0.05% APY | 0.05% | — | Standard | | **$0–$2,499** savings | 0.25% APY | 0.25% | — | Standard | | **$25,000-$74,999** savings | — APY | 0.25% | — | Standard | | **$75,000+** savings | — APY | 0.75% | — | Standard | | **$2,500–$19,999** savings | 1.09% APY | 1.09% | — | Standard | | **Platinum Savings ($10,000-$99,999)** savings | 1.98% APY | 1.98% | — | Standard | | **$20,000–$99,999** savings | 1.98% APY | 1.98% | — | Standard | | **$100,000–$249,999** savings | 2.57% APY | 2.57% | — | Standard | | **Platinum Savings ($100,000-$1,000,000)** savings | 2.81% APY | 2.81% | — | Standard | | **$250,000–$499,999** savings | 3.30% APY | 3.30% | — | Standard | | **$500,000–$999,999** savings | 3.40% APY | 3.40% | — | Standard | | **Premier Certificate ($0-$999 -100bps)** share_certificate | — APY | 3.72% | — | Standard | | **$1,000,000+** savings | 3.78% APY | 3.78% | — | Standard | | **Premier Certificate ($1,000-$19,999 -75bps)** share_certificate | — APY | 3.96% | — | Standard | | **Mission Savings Fund ($0–$15,000)** savings | 4.02% APY | 3.60% | — | Standard | | **Premier Certificate ($20,000-$49,999 - 50bps)** share_certificate | — APY | 4.20% | — | Standard | | **Premier Certificate ($50,000-$99,999 -25bps)** share_certificate | — APY | 4.44% | — | Standard | | **Premier Certificate ($100,000+)** share_certificate | — APY | 4.68% | — | Standard | Deseret First Credit Union savings & cd rates as of November 13, 2026 Savings and certificate yields up to 4.02% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/utah/deseret-first) , verified from [Deseret First Credit Union's official website](https://www.dfcu.com/) Loading branch locator… ## About Deseret First Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 87.5K Assets $1.3B Founded 1955 Locations reported 12 NCUA charter 24708 Charter type Federal 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 - Payday Alternative Loans I - Payday Alternative Loans II 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. [**Worcester Police Department** Vital Records Center · Salt Lake City · UT · 84120-8207 Branch in the same ZIP](https://rateapi.dev/credit-unions/massachusetts/worcester-police-department) [**America First** West Valley 5000 West · West Valley · UT · 84120 About 0.4 miles away](https://rateapi.dev/credit-unions/utah/america-first) [**Chartway** West Valley · Salt Lake City · UT · 84120 About 1.0 miles away](https://rateapi.dev/credit-unions/virginia/chartway) [**Goldenwest** Lake Park Hospital Br · West Valley · UT · 84120 About 1.1 miles away](https://rateapi.dev/credit-unions/utah/goldenwest) [**B&v** Fiserv · Salt Lake City · UT · 84120-8205 About 1.1 miles away](https://rateapi.dev/credit-unions/kansas/bv) [**Butte Community** Fiserv · Salt Lake City · UT · 84120-8207 About 1.1 miles away](https://rateapi.dev/credit-unions/montana/butte-community) 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 Deseret First Credit Union Membership eligibility from Deseret First Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Deseret First Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer The Church of Jesus Christ of Latter-day Saints, Deseret First Credit Union, Ag Reserves, Beneficial Life Insurance Company, Bonneville Communications, Bonneville International Corporation, City Creek Reserve, Deseret Book Company, Deseret Digital Media, Deseret Management Corporation (DMC), Deseret Mutual Benefit Administrators (DMBA), Deseret News, Farmland Reserve, Intermountain Health, Kirton McConkie, KSL TV and Radio, Lakeview Hospital, Property Reserve, South Davis Community Hospital, Suburban Land Reserve, Temple Square Hospitality, Utah Property Management Associates (UPMA), DFCU, Ensign College (formerly LDSBC) - Association The Church of Jesus Christ of Latter-day Saints - School Brigham Young University, Ensign College Verified from [Deseret First Credit Union's membership page](https://www.dfcu.com/about/dfcu/membership-eligibility/) . Final membership determination is always made by the credit union. ## Membership rules for Deseret First Credit Union Employers 25 · Associations · Schools 2 · Family 25 53 published paths to membership, last verified August 27, 2026, quoted from Deseret First Credit Union’s own published criteria. ### Employers 25 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of The Church of Jesus Christ of Latter-day Saints “Work for The Church of Jesus Christ of Latter-day Saints or one of our Employer Groups” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Employee of The Church of Jesus Christ of Latter-day Saints - Employee of Deseret First Credit Union “Be a DFCU employee” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Employee of Deseret First Credit Union - Employee of Ag Reserves “Ag Reserves” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Employee of Ag Reserves - Employee of Beneficial Life Insurance Company “Beneficial Life Insurance Company” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Employee of Beneficial Life Insurance Company - Employee of Bonneville Communications “Bonneville Communications” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Employee of Bonneville Communications - Employee of Bonneville International Corporation “Bonneville International Corporation” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Employee of Bonneville International Corporation - Employee of City Creek Reserve “City Creek Reserve” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Employee of City Creek Reserve - Employee of Deseret Book Company “Deseret Book Company” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Employee of Deseret Book Company - Employee of Deseret Digital Media “Deseret Digital Media” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Employee of Deseret Digital Media - Employee of Deseret Management Corporation (DMC) “Deseret Management Corporation (DMC)” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Employee of Deseret Management Corporation (DMC) - Employee of Deseret Mutual Benefit Administrators (DMBA) “Deseret Mutual Benefit Administrators (DMBA)” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Employee of Deseret Mutual Benefit Administrators (DMBA) - Employee of Deseret News “Deseret News” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Employee of Deseret News - Employee of Farmland Reserve “Farmland Reserve” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Employee of Farmland Reserve - Employee of Intermountain Health “Intermountain Health” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Employee of Intermountain Health - Employee of Kirton McConkie “Kirton McConkie” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Employee of Kirton McConkie - Employee of KSL TV and Radio “KSL TV and Radio” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Employee of KSL TV and Radio - Employee of Lakeview Hospital “Lakeview Hospital” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Employee of Lakeview Hospital - Employee of Property Reserve “Property Reserve” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Employee of Property Reserve - Employee of South Davis Community Hospital “South Davis Community Hospital” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Employee of South Davis Community Hospital - Employee of Suburban Land Reserve “Suburban Land Reserve” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Employee of Suburban Land Reserve - Employee of Temple Square Hospitality “Temple Square Hospitality” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Employee of Temple Square Hospitality - Employee of Utah Property Management Associates (UPMA) “Utah Property Management Associates (UPMA)” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Employee of Utah Property Management Associates (UPMA) - Employee of DFCU (as written on the source page) “Be a DFCU employee” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Employee of DFCU - Employee of Ensign College “Ensign College (formerly LDSBC)” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Employee of Ensign College - Employee of DFCU “Be a DFCU employee” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Employee of DFCU ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Member of The Church of Jesus Christ of Latter-day Saints (as written on the source page) “Be a member of The Church of Jesus Christ of Latter-day Saints” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Member of The Church of Jesus Christ of Latter-day Saints ### Schools 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Student of Brigham Young University (as written on the source page) “Brigham Young University Provo, Idaho & Hawaii” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Student at Brigham Young University - Student of Ensign College (as written on the source page) “Ensign College (formerly LDSBC)” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Student at Ensign College ### Family 25 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family member “Have an immediate family member who is eligible to join DFCU or is a current DFCU member” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Family member (immediate family member) of a member - Family of a member immediate family “Have an immediate family member who is eligible to join DFCU or is a current DFCU member” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Family member (immediate family) of a member - Family Of Qualified Ag Reserves “Ag Reserves” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Family member (family member) of an employee of Ag Reserves - Family Of Qualified Beneficial Life Insurance Company “Beneficial Life Insurance Company” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Family member (family member) of an employee of Beneficial Life Insurance Company - Family Of Qualified Bonneville Communications “Bonneville Communications” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Family member (family member) of an employee of Bonneville Communications - Family Of Qualified Bonneville International Corporation “Bonneville International Corporation” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Family member (family member) of an employee of Bonneville International Corporation - Family Of Qualified The Church of Jesus Christ of Latter-day Saints “The Church of Jesus Christ of Latter-day Saints” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Family member (family member) of an employee of The Church of Jesus Christ of Latter-day Saints - Family Of Qualified City Creek Reserve “City Creek Reserve” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Family member (family member) of an employee of City Creek Reserve - Family Of Qualified Deseret Book Company “Deseret Book Company” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Family member (family member) of an employee of Deseret Book Company - Family Of Qualified Deseret Digital Media “Deseret Digital Media” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Family member (family member) of an employee of Deseret Digital Media - Family Of Qualified Deseret Management Corporation (DMC) “Deseret Management Corporation (DMC)” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Family member (family member) of an employee of Deseret Management Corporation (DMC) - Family Of Qualified Deseret Mutual Benefit Administrators (DMBA) “Deseret Mutual Benefit Administrators (DMBA)” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Family member (family member) of an employee of Deseret Mutual Benefit Administrators (DMBA) - Family Of Qualified Deseret News “Deseret News” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Family member (family member) of an employee of Deseret News - Family Of Qualified Ensign College “Ensign College (formerly LDSBC)” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Family member (family member) of an employee of Ensign College - Family Of Qualified Farmland Reserve “Farmland Reserve” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Family member (family member) of an employee of Farmland Reserve - Family Of Qualified Intermountain Health “Intermountain Health” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Family member (family member) of an employee of Intermountain Health - Family Of Qualified Kirton McConkie “Kirton McConkie” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Family member (family member) of an employee of Kirton McConkie - Family Of Qualified KSL TV and Radio “KSL TV and Radio” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Family member (family member) of an employee of KSL TV and Radio - Family Of Qualified Lakeview Hospital “Lakeview Hospital” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Family member (family member) of an employee of Lakeview Hospital - Family Of Qualified Property Reserve “Property Reserve” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Family member (family member) of an employee of Property Reserve - Family Of Qualified South Davis Community Hospital “South Davis Community Hospital” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Family member (family member) of an employee of South Davis Community Hospital - Family Of Qualified Suburban Land Reserve “Suburban Land Reserve” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Family member (family member) of an employee of Suburban Land Reserve - Family Of Qualified Temple Square Hospitality “Temple Square Hospitality” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Family member (family member) of an employee of Temple Square Hospitality - Family Of Qualified Utah Property Management Associates (UPMA) “Utah Property Management Associates (UPMA)” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Family member (family member) of an employee of Utah Property Management Associates (UPMA) - Family of someone eligible family “We serve employees of the following organizations, along with their families.” > [source ↗](https://www.dfcu.com/about/dfcu/membership-eligibility/) - Family member (family) of an eligible person 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 Deseret First Credit Union? Yes No ## Work at Deseret First 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 Deseret First Credit Union ranks against Utah peers. - See which AI assistants fetched Deseret First Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Utah - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=deseret-first&state=utah&code=UT&name=Deseret%20First%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Deseret First Credit Union offer? Deseret First Credit Union currently offers mortgage, Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Deseret First Credit Union rates updated? RateAPI verifies Deseret First Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Deseret First Credit Union's rate data? Rate data is collected directly from Deseret First Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Deseret First Credit Union's best CD rate? As of November 13, 2026, Deseret First Credit Union offers savings and certificate (CD) yields up to 4.02% APY. ### Who can join Deseret First Credit Union? Deseret First Credit Union publishes its membership criteria on its own website. RateAPI tracks 53 published membership paths covering 25 employers, 1 association and 2 schools for Deseret First Credit Union, each quoted from Deseret First Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Deseret First Credit Union's rates against national credit-union benchmarks. [More Utah credit unions](https://rateapi.dev/credit-unions/utah) [Utah mortgage rate leaders](https://rateapi.dev/mortgage-rates/utah) [Utah auto loan rate leaders](https://rateapi.dev/auto-loan-rates/utah) [Utah HELOC rate leaders](https://rateapi.dev/heloc-rates/utah) [Utah personal loan leaders](https://rateapi.dev/personal-loan-rates/utah) [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.dfcu.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 Deseret First Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Utah 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 Deseret First Credit Union curl "https://api.rateapi.dev/credit-unions/utah /deseret-first " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Deseret First Credit Union locations Search, filter, and browse all 12 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/utah/deseret-first Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp