Polite and informed sales team. Disappointed with the lowball estimate of our home value, which did not agree with anything we had. Including our July paid for Valuation, which was professionally done... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
I am a new resident of Sun City, and I needed to find a credit union, so I went to Desert Financial. Destinee C. was the first person I spoke to regarding information on becaming a credit union m... See more
Company replied
Outstanding customer service, from the moment I walked in the door for the first time and every time after. Everyone makes banking at Desert Financial a real pleasure. All employees seem to be happy t... See more
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To be Frank , I have to say that my experience was really quite enjoyable.Your staff were more than simply pleasant and professional, they were down to Earth and likable. Also , I should like to say t... See more
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Company details
Written by the company
For over 85 years, Desert Financial has been Arizona’s most trusted local credit union with over $9 billion in assets, 500,000+ members and over 50 branches. Membership eligibility is open across Arizona with contactless solutions making it easy to click, call or come in. As a not-for-profit cooperative, Desert Financial takes pride in sharing success. In 2025, members received $16 million in dividends via the Member Giveback Bonus. Desert Financial is the official retail banking partner of Arizona State University® and the official banking partner of the Arizona Cardinals, NAU Athletics and the NAU Alumni Association. Federally insured by NCUA. Learn more at desertfinancial.com.
Started by Arizonans, for Arizonans
Written by the company
- 85 years of service
- Desert Financial was founded in 1939 to serve our members and give back to our community.
- Founded by teachers
- Fifteen Valley educators pooled their money together – just $78.75 – to start our credit union.
- Mission-driven
- Our mission to share success and create exceptional experiences is why we do what we do.
- Committed to sharing success
- Sharing our financial success with our members, community and team is simply the right thing to do.
Contact info
United States
- (602) 433-7000
- desertfinancial.com
4.4
Excellent
321 reviews
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Everyone is so helpful and willing to…
Everyone is so helpful and willing to go the extra mile. Thank You
24 June 2025
Reply from Desert Financial Credit Union
Thank you for the 5 stars, Wilmer! We are so glad to hear that our team was helpful.
Never received my debit card in the…
Never received my debit card in the mail, I had to physically go to a branch office. They printed a card for me told me to call the number to activate it. Couldn’t activated, needed to call them directly. I called, was on hold for a while, then come to find out there was an issue printing my debit card, had to wait a long time in the phone for them to activate it.
20 June 2025
Reply from Desert Financial Credit Union
We’re sorry to hear about the inconvenience you experienced with your debit card. That’s certainly not the smooth process we want for our members. We appreciate you sticking with it and sharing your feedback, Eneyda!
Reply from Desert Financial Credit Union
We appreciate you taking the time to share your positive experience, Jennifer. Glad to hear it was a good one!
Reply from Desert Financial Credit Union
We appreciate you taking the time to share your positive experience. We're glad to hear our staff was helpful!
Kye was very nice and helpful when it…
Kye was very nice and helpful when it came to getting a Heloc loan we are truly grateful.
13 June 2025
Reply from Desert Financial Credit Union
We are truly grateful for your kind words! We're happy to hear that the HELOC loan process was smooth and that our team was helpful to you.
Quick loan
My loan was approved quickly and Talia was awesome . Great customers service , she was very detailed and explained everything . She has made this go very smoothly . Thank you Talia I will recommend my family and friends .
17 June 2025
Reply from Desert Financial Credit Union
We're happy to hear that your loan was approved quickly and that you had a great experience, Enisa. We appreciate your kind words regarding the service you received and your recommendation!
Cant start zelle
17 June 2025
Reply from Desert Financial Credit Union
Hello! We are so sorry to hear that you are having issues enrolling in Zelle. Please reach out to us via online chat or at 602-433-7000, and we will be able to assist you!
Very easy to open accounts
Very easy to open accounts, friendly and informative follow up, and great welcome bonus.
2 June 2025
Reply from Desert Financial Credit Union
We're happy to hear that opening accounts was easy, our follow-up was helpful, and you enjoyed the welcome bonus. Thank you for your positive feedback, Colin!
Friendliness and willing to work with…
Friendliness and willing to work with me very near closing time!
13 June 2025
Reply from Desert Financial Credit Union
We're glad you enjoyed your experience! We appreciate you mentioning our team's helpfulness, Linda. Thank you for the 5-star review!
New account/Bad experience.
I opened a new account with a check from the Credit Union I belonged to in Indiana. I was told it would take a couple of days before I would have access to the funds, I was not told there would be a 7 day wait for access. The check was withdrawn from my Credit Union the day after it was written, yet I was required to wait 6 more days to have access to the funds.
10 June 2025
Reply from Desert Financial Credit Union
Thank you for sharing your experience, and we apologize for any confusion or frustration caused by the delay in accessing your funds.
While check holds can vary, they are sometimes extended based on factors such as the type of check, the institution it’s drawn from, and the amount. These holds are in place to protect both our members and the credit union from potential fraud or returned items. That said, we understand how important clear communication is, and we’re sorry if the full hold time wasn’t explained up front.
We appreciate your feedback and will use it to improve how we set expectations for new members. If you’d like to discuss the specifics of your account further, we’d be happy to assist—please don’t hesitate to reach out at 602-433-7000.
I would recommend others to use this CU
Cole was very thorough and efficient. He explained everything and got us setup quickly
6 June 2025
Reply from Desert Financial Credit Union
We're happy to hear that the setup process was efficient and thorough. We appreciate you taking the time to share your positive experience with us!
Reply from Desert Financial Credit Union
We're happy to hear that everyone you interacted with was friendly. Thank you for your wonderful feedback; it means a lot to us.
It was easy to set up a new account…
It was easy to set up a new account online and I had a pleasant experience when depositing cash at a branch.
9 June 2025
Reply from Desert Financial Credit Union
We're glad to hear that you had a positive experience with us both online and in-branch. Thank you for your feedback!
Reply from Desert Financial Credit Union
We are happy to hear that you found our staff pleasant to work with. Thank you for your feedback; we appreciate it.
I went in for a loan and she made me a…
I went in for a loan and she made me a checking and savings account that I had to pay for. She told me it would help with my chances of getting approved and then I didn't get an answer. She wouldn't sign me up for a loan or even attempt she signed me up for $1000 overdraft allowance! I NEEDED A LOAN AND SHE DID EVERYTHING BUT WHAT I ASKED FOR. NOW I HAVE AN ACCOUNT I WILL NEVER USE! Worst bank ever, they DON'T care what you want, they WILL take your money though! Wish I could rate 0 stars!
9 June 2025
Reply from Desert Financial Credit Union
We're really sorry to hear about your experience—it’s clear we didn’t meet your expectations, and that’s not the kind of service we aim to provide.
When applying for a loan, opening a checking or savings account is sometimes recommended to strengthen the overall application, but it should never replace your original request or be done without clear explanation and consent. You deserve transparent communication and support that aligns with your financial goals.
We appreciate you bringing this to our attention and would like the opportunity to look into what happened and make things right. If you’re open to it, please contact us directly at 602-433-7000 so we can better assist you. Your trust matters to us.
The professionalism and expertise of…
The professionalism and expertise of Leslie at the Walmart Buckeye location is outstanding! She made the entire experience simple to understand which in turn made me feel very comfortable that I made the right decision to do business with Desert Financial.
9 June 2025
Reply from Desert Financial Credit Union
We're happy to hear that the expertise made you feel comfortable with your decision. Thank you for sharing your positive experience with us. We appreciate your feedback!
I’ve always wanted to become a member…
I’ve always wanted to become a member of your credit union and now I understand why: you all are so helpful and kind. Online access is easy.
17 June 2025
Reply from Desert Financial Credit Union
We're happy to hear that you find our team helpful and kind! It's great to know that you're finding our online access easy to use. We appreciate your positive feedback.
Friendly,professional service.
11 June 2025
Reply from Desert Financial Credit Union
Thanks for the glowing review, Carl!
your overdraft fees are WAY too much...
I had forgotten to transfer money to my account, made three small purchaces for about a dollar or two a pop, adding up to maybe $5 overdrawn by accident... and y'all triflin' ass mf's charged me $30! A! Charge! i had to pay 90 in overdraft fees... for $5!!!!. seriously debating changing banks again bc shame on y'all for that lol
10 June 2025
Reply from Desert Financial Credit Union
Thanks for reaching out and sharing your experience—we hear your frustration, and we truly understand how upsetting unexpected overdraft fees can be, especially when the amount overdrawn is small.
Our overdraft policy is in place to cover transactions when there aren’t enough funds, but we know it doesn’t always feel fair in situations like this. We’re constantly reviewing our fee structures and policies to better support our members, and feedback like yours plays a big role in that.
If you haven’t already, we’d recommend reaching out to our team to see if there’s anything we can do to assist or to explore options like overdraft protection that may help prevent this in the future. You can start a chat online or call us at 602-433-7000.
Great staff and great service for us
Great staff and great service for us. Ling Arnold did a super job setting up our account.
13 June 2025
Reply from Desert Financial Credit Union
We're happy to hear that you had a great experience with our team! We appreciate you mentioning the excellent service you received while setting up your account.
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