Credit union · NCUA insured
Desert Financial
A $9.8B credit union, the 28th largest of 4,329, headquartered in Phoenix, AZ, with 511,369 members and 50 branches in Arizona. Best rates: CDs 4.05% and savings 0.85% APY.
Desert Financial Carrot Score
82
Carrot Score
Higher than 59% of U.S. banks and credit unions
#33 of 60 in Phoenix, AZ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Desert Financial
Founded in 1939 by fifteen educators with $78.75, Desert Financial Credit Union is a member-owned credit union that serves members and gives back to the community.
The credit union operates more than 50 branch locations across Arizona.
- Headquarters
- 148 N 48th St, Phoenix, AZ 85034
- NCUA charter
- 68713
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Business owners who own a business in the state of Arizona are eligible for membership.
- Individuals who live, work, attend school, volunteer, or worship in the member coverage area are eligible for membership.
Employers and groups
- Employees of Desert Financial are eligible for membership.
Family and household
- Immediate family members of current Desert Financial members are eligible for membership.
Branches
50 branches in Arizona
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Arizona
50 branches
Phoenix area · 46
- Apache Junction Fry's150 E Old West Hwy, Apache Junction, AZ 85119Directions
- Verrado830 N Verrado Way, Buckeye, AZ 85326Directions
- Watson Wal-Mart1060 S Watson Rd, Buckeye, AZ 85326Directions
- Chandler1949 W Ray Rd Ste 34, Chandler, AZ 85224Directions
- Chandler Wal-Mart2750 E Germann Rd, Chandler, AZ 85286Directions
- Ocotillo Safeway4970 S Alma School Rd, Chandler, AZ 85248Directions
- Riggs Frys985 E Riggs Rd, Chandler, AZ 85249Directions
- Gilbert Gateway5238 S Power Rd, Gilbert, AZ 85295Directions
- San Tan Village2925 S Market Street, Gilbert, AZ 85295Directions
- Arrowhead Mall17445 N 79th Ave, Glendale, AZ 85308Directions
- Thunderbird5690 W Thunderbird Rd, Glendale, AZ 85306Directions
- Palm Valley13200 W McDowell Rd, Goodyear, AZ 85395Directions
- Baseline Frys5140 W Baseline Rd, Laveen, AZ 85339Directions
- Maricopa Frys20797 N John Wayne Pkwy, Maricopa, AZ 85139Directions
- Alma School2355 S Alma School Rd, Mesa, AZ 85210Directions
- Eastmark Safeway4316 S Signal Butte Rd, Mesa, AZ 85212Directions
- Gilbert Baseline1901 S Gilbert Rd, Mesa, AZ 85204Directions
- McKellips4405 E McKellips Rd, Ste 101, Mesa, AZ 85215Directions
- Signal Butte Wal-Mart1606 S Signal Butte Rd, Mesa, AZ 85209Directions
- Southern and Greenfield4330 E Southern Ave, Mesa, AZ 85206Directions
- Stapley1262 N Stapley Dr, Mesa, AZ 85203Directions
- Superstition Wal-Mart6131 E Southern Ave, Mesa, AZ 85206Directions
- Lake Pleasant Wal-Mart21655 N Lake Pleasant Pkwy, Peoria, AZ 85382Directions
- 44th Street2500 N 44th St, Phoenix, AZ 85008Directions
- ASU Downtown411 N Central Ave Ste 140, Phoenix, AZ 85004Directions
- Ahwatukee4940 E Ray Rd Ste 11, Phoenix, AZ 85044Directions
- Black Canyon6633 N Black Canyon Hwy, Phoenix, AZ 85015Directions
- Desert Sky7515 W Encanto Blvd Ste 1, Phoenix, AZ 85035Directions
- East Bell3423 E Bell Rd, Phoenix, AZ 85032Directions
- Happy Valley Wal-Mart2501 W Happy Valley Rd Ste 34, Phoenix, AZ 85085Directions
- Indian School Wal-Mart5250 W Indian School Rd, Phoenix, AZ 85031Directions
- Missouri5555 N 7th St Ste 140, Phoenix, AZ 85014Directions
- Moon Valley406 E Thunderbird Rd, Phoenix, AZ 85022Directions
- Paradise Valley New13015 N Tatum Blvd, Phoenix, AZ 85032Directions
- South Mountain3230 E Baseline Rd, Phoenix, AZ 85042Directions
- Union Hills826 E Union Hills Dr Bldg E, Phoenix, AZ 85024Directions
- Ellsworth20062 S Ellsworth Rd, Ste 101, Queen Creek, AZ 85142Directions
- Ironwood Safeway40950 N Ironwood Dr, Queen Creek, AZ 85140Directions
- Queen Creek Wal-Mart1725 W Hunt Hwy, San Tan Valley, AZ 85143Directions
- Hayden15505 N Hayden Rd, Scottsdale, AZ 85260Directions
- Scottsdale8220 E Via Paseo Del Norte, Scottsdale, AZ 85258Directions
- Sun City10725 Grand Ave, Sun City, AZ 85351Directions
- Greenway Fry's15215 N Cotton Ln, Surprise, AZ 85388Directions
- Surprise Wal-Mart13770 W Bell Rd, Surprise, AZ 85374Directions
- ASU Tempe1290 S Normal Ave, Tempe, AZ 85281Directions
- Tempe1245 E Broadway Rd, Tempe, AZ 85282Directions
Prescott Valley area · 2
- Willow Creek3179 Lakeview Plaza Lane, Prescott, AZ 86301Directions
- Prescott Valley Fry's3100 N Glassford Hill Rd, Prescott Valley, AZ 86314Directions
Flagstaff area · 1
- FlagstaffCypress Flagstaff Mall, 4620 N US Highway 89 Ste 2, Flagstaff, AZ 86004Directions
Payson area · 1
- Payson Wal-Mart300 N Beeline Hwy, Payson, AZ 85541Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.10% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.47% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.13% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $60 | $88 | — |
- CapitalNet worth ratio12.10%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.47%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.13%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$60Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Desert Financial are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.