Desert Financial Credit UnionFor 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.
Desert Financial Credit Union (desertfinancial.com) has 344 customer reviews on Five Star Index, with an average rating of 4.5 out of 5.
Is this your business?
Correct your details and reply to customers in public. Both are free.
Claim this listingShowing 6 reviews with 2 stars · Clear filters
Eric A.
I can't even get into my account through the app or the website even after visiting a branch and showing proof of identity and waiting. I feel like this was so much work just to open a new account.
Response from Desert Financial Credit UnionFeb 5, 2026
We're sorry to hear that you're having trouble accessing your account after visiting a branch. If you're still having this issue, please give us a call at (602) 433-7000 so we can help.
Joseph La B.
Customer service misinformed me when I had to surrender my automobile , the agent did not inform me of the credit unions policies in full , had told me I would most likely have a check sent to me when all was said and done. Instead I was charged almost 1900 dollars and with no warning cleaned out my checking account causing bounced checks and returns , put me into financial worldwind. My rent , life insurance among other debts all bounced.
Response from Desert Financial Credit UnionSep 2, 2025
We’re very sorry to hear about the stress this situation has caused you. We understand how upsetting it must have been to experience unexpected charges and the impact it had on your finances. While we can’t discuss account specifics here, we would like the opportunity to review your situation in detail and see how we can help. Please reach out to us directly at (602) 433-7000 so our team can look into your account and provide support.
Eneyda
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.
Response from Desert Financial Credit UnionJun 25, 2025
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!
Unknown
Cant start zelle
Response from Desert Financial Credit UnionJun 20, 2025
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!
Hayden
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
Response from Desert Financial Credit UnionJun 20, 2025
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.
Brian
My experience with desert financial had been good until my second week of use. I mobile deposited my first full check late Thursday night which I expected to be available at some point on friday, i made 2 small purchases which put me in the negative and I subsequently got charged 3 $30 fees in a 12 hour span which were removed once I called to find out what’s going on but was told that because my account is new they put a hold on my entire check for 7 days because they have to verify the check since I did it by mobile deposit which has now put me in a bad spot for the week with no money. And all they could say is in the future it’s better to bring the check in to the bank or use direct deposit which I already set up it just hasn’t gone into effect. And the kicker is the check I mobile deposited came from the same company I opened the accounts with in the first place. So now I’m stuck being negative $40 in my account until this Friday when they’re supposed to release my funds.
Response from Desert Financial Credit UnionApr 23, 2025
We understand your frustration with the hold placed on your mobile deposit. We strive to provide our members with a seamless banking experience and we apologize that this situation fell short of your expectations. We appreciate you bringing this to our attention, and we will use your feedback to improve our processes. If you'd like to discuss your situation further, please give us a call at (602) 433-7000.
