Join Desert Financial through work for even MORE perks!

Accept This Offer

When you join Desert Financial through MyMoney@Work program, you’ll get all of our great member benefits, including access to convenient, easy-to-use online and mobile banking, a $200 cash bonus and these exciting extras:

  • Free Checking
    No minimum balance. No monthly fees. No hassles.
  • Free rewards program
    Including the potential for an annual Member Giveback Bonus.3
  • Up to $500 cash back4 with an auto refi
    Low rates and a 90-day break from payments.5
  • $500 toward a home purchase appraisal6
    Save more when you get a mortgage.
  • $100 off a Trust package or $50 off a Will7
    Help protect your assets for the future.
  • Free personal finance workshops
    Take the Desert Financial Challenge and gain new knowledge.


Enter your information and click below to accept this exclusive offer!

What’s a Credit Union?

Credit unions are member-owned co-ops that offer financial products and services such as checking and savings accounts, home and auto loans, credit cards and much more. While banks are loyal to their shareholders, credit unions work for members like YOU!

Who is Desert Financial?

Desert Financial was founded in 1939 by 15 local educators who pooled all of their money together — just $78.75! — to start a credit union. As Arizona’s largest and most trusted credit union, we believe in sharing success with our members, community and team. That translates into extra perks for our members, including opportunities for cash rewards and product discounts. You can also feel great knowing you help support communities in need throughout the state.

Federally Insured by NCUA | Equal Housing Lender logo Equal Housing Opportunity

1Account Opening Criteria: Primary account holder must be employed at the referring business and meet Desert Financial membership eligibility and credit qualification requirements, including opening a Membership Savings account with a minimum balance of $25. Cash Bonus Criteria: To receive the cash bonus, the new checking account must meet the following criteria within the first 90 days: (1) Minimum of 30 posted transactions; (2)Establish direct deposit; and (3) Must be open and cannot be delinquent (more than 30 days) at time of bonus payment. Bonus will be deposited into the qualifying checking within 10 business days in the month following the end of the first 90-day period if qualifications are met. Bonus amounts are subject to all applicable taxes and the responsibility of the member. Bonus cannot be combined with any other account opening offer. Terms and conditions subject to change without notice. For complete terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures.

2Checking account is free; however, fees incurred — such as a stop payment or NSF fee — may apply. For complete terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures.

3Must be a Rewards Member or Rewards+ Member for a minimum of six months per calendar year to be eligible for annual cash bonus (“Member Giveback Bonus”). Additional restrictions apply. See Statements of Terms, Conditions, and Disclosures for full details.

4The cash back is paid based on 1% of the total loan amount ($10,000 minimum), not including any additional loan dollars toward ancillary products (Guaranteed Asset Protection [GAP], Mechanical Breakdown Protection [MBP]). The cash back will be deposited into your Desert Financial savings account within one business day of the loan funding. Maximum cash back amount is $500. Cash back amounts are subject to all applicable taxes and are the responsibility of the member. Offer available for the refinancing of non-Desert Financial auto loans only and is valid for a limited time only.

5First payment may be deferred for up to 90 days from loan date. Your loan will accrue interest during that time. Some restrictions apply. See a representative for details.

6Free appraisal (up to $500) on real estate purchase transactions for mortgage loans serviced by Define Mortgage Solutions, a subsidiary of Desert Financial Credit Union, NMLS #1761612, BK #0949053. Additional restrictions may apply. All loans subject to credit approval. If an application is declined by Define Mortgage, Desert Financial will cover related appraisal costs up to $500. If the appraisal cost exceeds $500, the difference will be the responsibility of the applicant.

7Document preparation services are offered through Desert Financial Credit Union; an Arizona Supreme Court Certified Legal Document Preparation Business Entity (CLDP #81024). Legal document preparation services are not insured by the NCUA and have no credit union guarantee.