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Hit the open road
Buy your new or used vehicle with confidence or put cash back in your pocket with an Auto Three-Fi™.
Loan rates you can count on
Get local service and great rates for auto and home loans, HELOCs and more.
Today’s featured loan rates
See all rates
New auto loans as low as¹
6.34
%APR
Used auto loans as low as¹
6.34
%APR
Mortgage loans as low as²
6.239
%APR
HELOCs as low as³
6.49
%RATE
For the first 12 months
For the first 12 months
HELOCs as low as³
8.25
%APR
after the first 12 months
after the first 12 months
Local loans, big benefits
Great loan rates
As a credit union, we’re proud to offer you competitive rates and flexible loan terms.
Local service
Loan decisions are made locally, which means fast, attentive service for you!
Apply in Minutes
Short on time? Apply for your loan online, where and when you want.
Utilize your home’s equity
Renovate your home, cover unexpected expenses and more with a home equity line of credit (HELOC).
Make yourself at home
Whether you’re a first-time or experienced homebuyer or you want to refinance your home loan, we’re here to help.
Be ready for what life brings
Fund your goals and unexpected expenses with a personal line of credit or signature loan.
What borrowers are saying
"I've been with Desert Financial for almost 50 years now and they've seen me through many phases of my life. It has been a pleasure to do business with them."
Diane K
"Desert Financial has always taken good care of all my needs. Thank you all."
Carlos C.
FAQs: Borrowing with Desert Financial
What is the minimum loan amount I can apply for?
The minimum application amount for consumer loans is $1,000 and home equity loans is $10,000. Mortgage loans have different minimum amounts, depending on the product selected.
What can I use my home equity line of credit for?
It may be used when and where you want. For instance, you could renovate your home or yard, cover unexpected expenses or simply make purchases at your discretion.
What is auto pay?
Auto pay is an optional, automatic loan payment withdrawn from your Desert Financial checking account on the same day each month.
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Home equity loan, HELOC or refi?
1
Annual Percentage Rate (APR) shown effective {current-date}, and is subject to change without notice. “As low as” rate assumes excellent borrower credit history. Actual rates and APRs dependent upon borrower(s) credit qualifications. Additional rate discounts may apply. Visit our rates page for additional information and details.
2
Desert Financial Credit Union NMLS ID #509455. Rates valid on {current-date}, Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR. Visit our rates page for additional information and details.
3
Rates valid on {current-date}. APR = Annual Percentage Rate. Promotional APR applies only to new HELOCs with a minimum loan amount of $10,000 and a maximum loan-to-value (LTV) of 80%. $50 annual fee applies; waived for Rewards+ members. See Statements of Terms, Conditions, and Disclosures for full Relationship Rewards details. Promotional APR is fixed for initial 12 months of the term. On the first calendar day of the 13th month following loan closing date, APR will convert to the variable rate plan as described in the applicable loan documents. Subsequent APR may vary based on the index rate, plus a margin. Index rate is based on the Prime Rate as published in the Wall Street Journal. On November 3, 2022, that index was 7.00%; resulting APR with a 0.875% margin is 7.875%. APR will never exceed 18.00%. “As low as” rate assumes excellent borrower credit history, loan amount of $75,000 or more, and 60% or less Loan-to-Value. Alternative rates and terms are available. Actual rates and APRs dependent on credit history, type of product, loan term and loan-to-value (LTV), occupancy and type of collateral. This line has a 10-year draw period. Minimum monthly payment will be principal, and interest amortized over a 30-year repayment term. NMLS ID #509455. Visit our rates page for additional information and details.