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Desert Financial

148 N 48th St, Phoenix, AZ 85034
NCUA Insured3.7 (152 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1939

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

148 N 48th St

Phoenix, AZ 85034

Service Area

This credit union is located in Phoenix and serves members in the AZ area. Currently serving 504,296 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

8.07%

Used Auto Loan

8.51%

Personal Loan

16.58%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in AZ

Lowest rates currently reported by credit unions in AZ (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(50 total)

Member Reviews

3.7

152 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
zaire blaise

zaire blaise

3 months ago

Recently called their Fraud branch because someone was using my card for unauthorized purchases, and today I went and got my new card with the help of a young lady. Now when trying to set up the new card despite all the information being properly put in I still cannot activate it. I've done this already more than once, yet it yields the same results. How I can't set up my new card is beyond me. Along with the fact that when you call them they have AI picking up and answering for them. I want to talk to someone to get this resolved. This is unacceptable for any customer.

Evonne Carr

Evonne Carr

8 months ago

Called ahead of time to confirm whether or not they provide cashiers checks to non members. The rep on the phone went to confirm with another employee and still provided incorrect information. The person I spoke with in person was unapologetic and showed no empathy. How hard is it to ensure your employees understand your policies? Do better.

Chris Stutzman

Chris Stutzman

5 months ago

They say one thing and do another. Thought it was a fluke so tried them again years later... Same result. This is the goodwill equivalent of a credit union. Still waiting on my fee refund where they said there would be no fees. Sent a letter like I was told to if I wanted someone to address it... No response... They said they're reach out... Still no response as expected.

Yonatan Raymond

Yonatan Raymond

6 months ago

I always have positive, informative and helpful interactions at Desert Financial. I appreciate the the 2 tellers who helped me in my last 2 visits and the good advice from Jonathan when I have other questions. Thank you Desert Financial

Joseph Hernandez

Joseph Hernandez

10 months ago

I closed my account because they stole $260 of my hard earned money with they're "Balance Protection" scheme. They will charge you $30 even if transaction is a couple dollars. Go to Chase Bank, they do not have ridiculous overdraft fees.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).