• Refer a Friend
  • Locations
  • Contact
  • Rates
  • Schedule Appointment

  • New Loans and Accounts: 602-433-5626
  •  Service: 602-433-7000
  •  Routing # 122187238


Just getting started on retirement savings? Or looking for a flexible option to rollover or transfer your current IRA?

A Desert Financial Individual Retirement Account (IRA) Savings is the perfect choice if you are looking to make periodic contributions through a direct deposit or over-the-counter deposits.2 Whether you’re interested in a Traditional or Roth IRA,4 our IRA Savings is easy to open and does not require a minimum opening deposit or long-term investment. We offer the flexibility you need with a competitive variable rate and possible tax benefits.1

Key Features

  • No monthly or annual fees
  • No minimum deposit
  • No minimum balance
  • No early withdrawal penalty from Desert Financial3
  • Free Online Banking, eStatements and Phone Banking

Members with a Traditional IRA may also qualify for Direct Deposit.


1Consult your tax advisor regarding your individual tax situation.

2Maximum annual contribution limits may apply to deposits made to retirement accounts. Consult a tax advisor for your maximum contribution limit.

3The Internal Revenue Service may impose a penalty for early withdrawals. Contact a tax advisor to determine if a penalty applies before making a withdrawal from an IRA.

4Traditional IRA and Roth IRA have separate qualification criteria and tax implications. Consult a tax advisor to determine which IRA is right for your situation.

Desert Financial IRA Savings is a variable rate account. Rates may change at any time without prior notice after the account is opened. For complete terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures.