Credit union · NCUA insured
Desert Financial Savings Rates
Desert Financial’s best savings rate is 0.85% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Desert Financial’s savings rates compare
Compared with banks and credit unions near Phoenix, AZ, where Desert Financial has the most branches. $10,000, best rate first.
This credit union’s best
Desert Financial
0.85%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $85
Money Market
Top rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
2nd-highest rate
Alhambra Credit Union
4.04%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $404
Desert Financial savings score
83
Savings score
Higher than 64% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.85%
- $100,000 balance$100,0003.25%
- QualifiedQualified0.85%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Desert Financial ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Money Market
3.25%APY
Consumer accounts only. Balances participate in Demand Deposit Marketplace (DDM) Program operated by Stable Custody Group II, LLC, sweeping funds into deposit accounts at participating receiving financial institutions. Primary account holder must meet Desert Financial's membership eligibility and credit qualification requirements. Must maintain a Membership Savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100,000 and upRequires a minimum balance of $100,000 to obtain the stated APY and earn dividends. If total balance falls below $100,000, no dividends are earned, but no low-balance fee is assessed. Rate is variable and may change after opening.$100,000 and up | 3.25% | — | Requires a minimum balance of $100,000 to obtain the stated APY and earn dividends. If total balance falls below $100,000, no dividends are earned, but no low-balance fee is assessed. Rate is variable and may change after opening. |
Money Market
0.85%APY
Must meet Desert Financial's membership eligibility and credit qualification requirements. Must maintain a Membership Savings account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $9,999Must maintain a minimum daily balance of $2,000 to earn dividends and to avoid paying a $15 monthly low-balance fee. Rate is variable and may change after opening. | 0.75% | — | Must maintain a minimum daily balance of $2,000 to earn dividends and to avoid paying a $15 monthly low-balance fee. Rate is variable and may change after opening. |
| $10,000 – $24,999Must maintain a minimum daily balance of $2,000 to avoid paying a $15 monthly low-balance fee. Rate is variable and may change after opening. | 0.85% | $85 | Must maintain a minimum daily balance of $2,000 to avoid paying a $15 monthly low-balance fee. Rate is variable and may change after opening. |
| $25,000 – $49,999Must maintain a minimum daily balance of $2,000 to avoid paying a $15 monthly low-balance fee. Rate is variable and may change after opening. | 1.00% | — | Must maintain a minimum daily balance of $2,000 to avoid paying a $15 monthly low-balance fee. Rate is variable and may change after opening. |
| $50,000 – $99,999Must maintain a minimum daily balance of $2,000 to avoid paying a $15 monthly low-balance fee. Rate is variable and may change after opening. | 1.60% | — | Must maintain a minimum daily balance of $2,000 to avoid paying a $15 monthly low-balance fee. Rate is variable and may change after opening. |
| $100,000 – $249,999Must maintain a minimum daily balance of $2,000 to avoid paying a $15 monthly low-balance fee. Rate is variable and may change after opening. | 2.25% | — | Must maintain a minimum daily balance of $2,000 to avoid paying a $15 monthly low-balance fee. Rate is variable and may change after opening. |
| $250,000 and upMust maintain a minimum daily balance of $2,000 to avoid paying a $15 monthly low-balance fee. Rate is variable and may change after opening. | 2.75% | — | Must maintain a minimum daily balance of $2,000 to avoid paying a $15 monthly low-balance fee. Rate is variable and may change after opening. |
Additional Savings
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid monthly on full balance; no minimum balance requirement.Any balance | 0.10% | $10 | Dividends paid monthly on full balance; no minimum balance requirement. |
Membership Savings
0.10%APY
Primary account holder must meet membership eligibility and credit qualification requirements. Required to become a member.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum daily balance requirement of $25 to obtain stated APY; dividends paid monthly.$25 and up | 0.10% | $10 | Minimum daily balance requirement of $25 to obtain stated APY; dividends paid monthly. |
Special-purpose accounts
Health Savings Account
2.25%APY
Requires a high-deductible health plan.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid monthly on full balance; no minimum daily balance requirement.Any balance | 2.25% | $225 | Dividends paid monthly on full balance; no minimum daily balance requirement. |
Traditional & Roth IRA Savings Account
2.25%APY
Available as Traditional IRA or Roth IRA wrappers.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance or deposit; no monthly or annual service fees.Any balance | 2.25% | $225 | No minimum balance or deposit; no monthly or annual service fees. |
Holiday Savings
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required to earn APY.Any balance | 0.10% | $10 | No minimum balance required to earn APY. |
Sources (1)
- desertfinancial.com/en/rates · captured Oct 22, 2026
Who can join Desert Financial
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.
Membership information collected October 4, 2026.