Light pink piggy bank in front of a blue background.

Get {rate-token-2}% APY1 with a limited-time Savings Certificate offer

Lock in a great rate now!

Apply online
{rate-token-2}
%
APY
 
6
months

It’s a rare “sure thing”! With a 6-month Savings Certificate from Desert Financial, you'll lock in {rate-token-2}% APY.1

This unique way of saving offers the best of everything: growing your money at a higher rate than a traditional savings account AND it’s less risky than other investment opportunities.

Hurry, this is a limited-time offer. Open your new Savings Certificate today.2

Apply online

You can also make an appointment, call us at (602) 433-5626 or visit a branch.

Key features

  • 6-month term
  • {rate-token-2}% APY with a 4.41% dividend rate1 
  • $1,000 minimum deposit (no maximum)
icon

This limited-time offer is available to new and existing members. Apply online, by phone or at a branch.2

Open an account

Savings Certificate FAQ

What’s the difference between a Savings Certificate and a Certificate of Deposit (CD)?

Both Savings Certificate and CD accounts offer high fixed interest rates for keeping your money in the account for the term of the certificate. The main difference is that Certificates of Deposit (CDs) are issued by banks while Savings Certificates are issued by credit unions.

What rate and term will be applied when the promotional Savings Certificate matures?

Upon maturity, all promotional certificates will automatically renew for the existing 6-month term at the current rate as stated on our website at DesertFinancial.com/Rates unless the certificate owner notifies Desert Financial to the contrary within the 10-day grace period of the maturity date. For more information on Savings Certificate renewals, please see our Statements of Terms, Conditions and Disclosures.

 

Is this promotion available for businesses?

Yes. Business Savings Certificates and Business Jumbo Certificates are available in branch or over the phone.

Can this promotion be applied to all types of Saving Certificates?

This promotion applies to Traditional, Jumbo and IRA Savings Certificates only.

Can I move money from an existing certificate I have with Desert Financial into this 6-month promotional Savings Certificate offer?

Per our account terms, a partial or full withdrawal of the principal balance of a certificate prior to maturity is not allowed and would result in an early withdrawal or closure penalty fee. For more information, please see our Statements of Terms, Conditions and Disclosures.

Is there a limit on the amount of money I can use to open a certificate online?

There's no limit for internal transfers, but there's a maximum of $99,999.99 for ACH transfers. If you need to open a certificate for $100,000 or more from another financial institution, please visit a Desert Financial branch.

Is there a maximum deposit for an IRA Savings Certificate?

IRA maximum contributions apply; however, this does not apply to rollovers or transfers:

  • $6,500.00 for 49 and under
  • $7,500.00 for 50+

Connect with us

phone

Call us

(602) 433-5626
outline of a business

Visit a branch

Find locations
calendar icon

Schedule an appointment

Book now

Disclosures

1APY (Annual Percentage Yield). Rate accurate as of 11/1/24, and subject to change without notice. Penalties may be imposed for early withdrawal. Fees could reduce earnings. Offer applies to consumer and business Traditional and Jumbo Savings Certificates and IRA Savings Certificates only and cannot be applied to existing certificates. Minimum opening deposit and balance of $1,000 required to earn the advertised APY. Offer good for the initial term only. Upon maturity, all promotional certificates will automatically renew for the existing 6-month term at the current rate as stated on our website at DesertFinancial.com/Rates unless the certificate owner notifies Desert Financial to the contrary within the 10-day grace period of the maturity date. Membership eligibility required.

2Savings Certificates are available to Desert Financial Credit Union (DFCU) members only. Primary account holder must meet DFCU’s membership eligibility and must have an open Membership Savings account with a minimum balance requirement of $25. For information regarding membership eligibility and complete account terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures.

Federally insured by NCUA | Equal Housing Opportunity