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Desert Financial Credit Union

Overview
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Desert Financial Credit Union is a federal credit union based in Phoenix, Arizona. It has been opened since 1939, for 81 years.

With around $4,507,980,000 in assets, Desert Financial Credit Union is considered to be a very large credit union. It has 45 branches and 46 ATM locations.

About
Address 148 North 48th Street
Phoenix, Arizona 85034
Website http://www.desertfinancial.com
Phone (602) 433-7000
CEO Jeffrey D. Meshey
President of the Board John Fung
Services Offered
Map
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Score Card
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81 years
Years in business
Opened in 1939
Well Capitalized
Net worth classification
Source: NCUA
332,023 members
Membership type: Community credit union
Above average number of members
376:1
Credit union member to staff ratio
376 per each FTE employee
Compared to 411:1 nationally
Average number of staff
$4,507,980,329
Total assets
Above average
45 branches
Compared with an average of 4 nationally and 5 in Arizona
Above average number of branches
0.05%
Savings interest rate
Compared to 0.3% nationally
Branches
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45 branches
Compared with an average of 4 nationally and 5 in Arizona
Above average number of branches
Desert Financial Credit Union Branch Locations

Desert Financial Credit Union: Riggs Frys
985 E. Riggs Road
Chandler, Arizona 85249
ATM Available
Desert Financial Credit Union: Sun City
10725 Grand Avenue
Sun City, Arizona 85351
ATM Available
Desert Financial Credit Union: Maricopa Frys
20797 North John Wayne Parkway
Maricopa, Arizona 85139
ATM Available
Desert Financial Credit Union: Alma School
2355 S. Alma School Road
Mesa, Arizona 85210
ATM Available
Desert Financial Credit Union: Ahwatukee
4940 E. Ray Road Suite 11
Phoenix, Arizona 85044
ATM Available
Desert Financial Credit Union: 44th Street
2500 North 44th Street
Phoenix, Arizona 85008
ATM Available
Desert Financial Credit Union: Watson Wal-Mart
1060 S. Watson Road
Buckeye, Arizona 85326
ATM Available
Desert Financial Credit Union: Surprise Wal-Mart
13770 W. Bell Road
Surprise, Arizona 85374
ATM Available
Desert Financial Credit Union: Superstition Wal-Mart
6131 E. Southern Avenue
Mesa, Arizona 85206
ATM Available
Desert Financial Credit Union: Scottsdale Safeway
23565 North Scottsdale Road
Scottsdale, Arizona 85255
ATM Available
Desert Financial Credit Union: Queen Creek Wal-Mart
1725 W. Hunt Highway
San Tan Valley, Arizona 85143
ATM Available
Desert Financial Credit Union: Thunderbird
5690 W. Thunderbird Road
Glendale, Arizona 85306
ATM Available
Desert Financial Credit Union: Mckellips
4405 E. Mckellips Road
Suite 101
Mesa, Arizona 85215
ATM Available
Desert Financial Credit Union: Black Canyon
6633 North Black Canyon Highway
Phoenix, Arizona 85015
ATM Available
Desert Financial Credit Union: Indian School Wal-Mart
5250 W. Indian School Road
Phoenix, Arizona 85031
ATM Available
Desert Financial Credit Union: Happy Valley Wal-Mart
2501 W. Happy Valley Road Suite 34
Phoenix, Arizona 85085
ATM Available
Desert Financial Credit Union: Gilbert Gateway Wal-Mart
5290 S. Power Road
Gilbert, Arizona 85295
ATM Available
Desert Financial Credit Union: Chandler Wal-Mart
2750 E. Germann Road
Chandler, Arizona 85286
ATM Available
Desert Financial Credit Union: Baseline Frys
5140 W. Baseline Road
Laveen, Arizona 85339
ATM Available
Desert Financial Credit Union: Apache Junction Fry's
150 E. Old West Highway
Apache Junction, Arizona 85119
ATM Available
Desert Financial Credit Union: 59th Avenue Wal-Mart
5845 W. Bell Road
Glendale, Arizona 85308
ATM Available
Desert Financial Credit Union: 35th Avenue Wal-Mart
6145 North 35th Avenue
Phoenix, Arizona 85017
ATM Available
Desert Financial Credit Union: Payson Wal-Mart
300 North Beeline Highway
Payson, Arizona 85541
ATM Available
Desert Financial Credit Union: Papago
148 North 48th Street
Phoenix, Arizona 85034
ATM Available
Desert Financial Credit Union: Moon Valley
406 E. Thunderbird Road
Phoenix, Arizona 85022
ATM Available
Desert Financial Credit Union: San Tan Village
2925 S. Market Street
Gilbert, Arizona 85295
ATM Available
Desert Financial Credit Union: Lake Pleasant Wal-Mart
21655 North Lake Pleasant Parkway
Peoria, Arizona 85382
ATM Available
Desert Financial Credit Union: Union Hills
826 E. Union Hills Drive Building E.
Phoenix, Arizona 85024
ATM Available
Desert Financial Credit Union: Tempe
1245 E. Broadway Road
Tempe, Arizona 85282
ATM Available
Desert Financial Credit Union: Stapley
1262 North Stapley Drive
Mesa, Arizona 85203
ATM Available
Desert Financial Credit Union: Southern and Greenfield
4330 E. Southern Avenue
Mesa, Arizona 85206
ATM Available
Desert Financial Credit Union: South Mountain
3230 E. Baseline Road
Phoenix, Arizona 85042
ATM Available
Desert Financial Credit Union: Arrowhead Mall
17445 North 79th Avenue
Glendale, Arizona 85308
ATM Available
Desert Financial Credit Union: Paradise Valley
4619 E. Cactus Road
Phoenix, Arizona 85032
ATM Available
Desert Financial Credit Union: Bell and 303
16772 W. Bell Road Suite 111
Surprise, Arizona 85374
ATM Available
Desert Financial Credit Union: Palm Valley
13200 W. Mcdowell Road
Goodyear, Arizona 85395
ATM Available
Desert Financial Credit Union: Northsight
13875 North Northsight Boulevard
Scottsdale, Arizona 85260
ATM Available
Desert Financial Credit Union: Missouri
5555 North 7th Street Suite 140
Phoenix, Arizona 85014
ATM Available
Desert Financial Credit Union: Gilbert
1525 North Gilbert Road Suite 110
Gilbert, Arizona 85234
ATM Available
Desert Financial Credit Union: East Bell
3423 E. Bell Road
Phoenix, Arizona 85032
ATM Available
Desert Financial Credit Union: Desert Sky
7515 W. Encanto Boulevard Suite 1
Phoenix, Arizona 85035
ATM Available
Desert Financial Credit Union: Chandler
1949 W. Ray Road
Chandler, Arizona 85224
ATM Available
Desert Financial Credit Union: Camelback
1630 E. Camelback Road Suite 110
Phoenix, Arizona 85016
ATM Available
Desert Financial Credit Union: Kierland
15505 North Scottsdale Road Suite 190
Scottsdale, Arizona 85254
ATM Available
Desert Financial Credit Union: Scottsdale
8220 E. Via Paseo Del Norte
Scottsdale, Arizona 85258
ATM Available
Desert Financial Credit Union: Signal Butte Wal-Mart
1606 S. Signal Butte Road
Mesa, Arizona 85209
ATM Available
Members
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332,023 members
Membership type: Community credit union
Above average number of members

With 332,023 members, the Desert Financial Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 99% of credit unions.

Fees
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$121
Average fee per member
The average fee per member at the Desert Financial Credit Union is $121, which is very high compared to most credit unions. This rate is higher than 91% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Desert Financial Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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376:1
Credit union member to staff ratio
376 per each FTE employee
Compared to 411:1 nationally
Average number of staff
882 staff members
FTE (full-time equivalent)
8% of employees are part-time
847 full-time, 70 part-time

Desert Financial Credit Union has 847 full-time staff members and 70 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 92% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Desert Financial Credit Union has around 376 members per staff, an average ratio compared to other credit unions. This is a somewhat well staffed credit union.

Assets
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$4,507,980,329
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
13.8%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$21,712
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 93% of credit unions.

Desert Financial Credit Union holds a total of $2,115,170,000 in loans and leases, which is about $21,712 per member on average.

Savings interest rate
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0.05%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Desert Financial Credit Union pays 0.05%.

Loan rates
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16.19%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
6.26%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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4.78%
New car loan rate
Compared to 4.0% nationally
4.94%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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4.23%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
5.03%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
4.49%
Other real estate loan rates
Compared to 0.9% nationally