Auto Loans¹

¹Annual Percentage Rate (APR) shown effective September 22, 2023 and may change without notice. “As low as” rate assumes excellent borrower credit history. Actual rates and APRs dependent upon credit history, type of product, loan term, loan to value (LTV), and vehicle model year. All loans are subject to credit approval. Additional discounts may apply.

Home Equity Line of Credit¹

Apply for a Home Equity Line of Credit

First Mortgage Rates2

Mortgage loans are offered by Define Mortgage Solutions, LLC, NMLS #17612, a subsidiary of Desert Financial Credit Union. BK# 0949053.

Open menu   for important rate and payment information.

¹APR = 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 May 4, 2023, that index was 8.25%; resulting APR with a 0.25% margin is 8.75%. APR will never exceed 24.00%. "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), 入住率和类型的抵押品. This line has a 10-year draw period. Minimum monthly payment will be principal, and interest amortized over a 30-year repayment term. Fixed Rate Option: Must convert a minimum balance of $10,000 to Fixed Rate Option and may not exceed the credit limit. Loan term cannot exceed loan maturity date. Maximum of three Fixed Rate Options may be open at one time. Rates for the Fixed Rate Option are typically higher than HELOC variable rates. Minimum payment on a Fixed Rate Option includes principal and interest in fixed monthly payments. Property insurance required. Interest may be tax deductible. Consult your tax professional regarding deductibility. NMLS ID #509455

²Rates valid on September 22, 2023. Chart data is for illustrative purposes only, is based upon state loan assumptions and is subject to change without notice. Accuracy is not guaranteed and products may not be available for your situation. This is not a credit decision or a commitment to lend. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% equity, mortgage insurance may be needed which could increase the monthly payment and APR. Additional loan programs are available. Mortgage loans are offered by Define Mortgage Solutions, LLC, NMLS #1761612, a subsidiary of Desert Financial Credit Union. BK# 0949053

Recreational Loans¹

Apply for a Marine Loan

Apply for a Motorcycle/ATV Loan

Apply for a RV Loan

Unsecured Loans

¹Annual Percentage Rate (APR) shown effective September 22, 2023 and may change without notice. “As low as” rate assumes excellent borrower credit history. Actual rates and APRs dependent upon credit history, type of product, loan term, and model year. All loans are subject to credit approval. Additional discounts may apply.

²Annual Percentage Rate (APR) shown effective September 22, 2023 and may change without notice. “As low as” APR shown assumes excellent borrower credit history at the time of application. Actual rates and APRs dependent upon credit history, type of product, and loan term. All loans subject to credit approval.

³Annual Percentage Rate (APR) shown effective September 22, 2023 and may change without notice. “As low as” APR shown assumes excellent borrower credit history at the time of application. Additional discounts may apply. Actual rates and APRs dependent upon credit history, type of product, and loan term. All loans subject to credit approval. APR may vary after the account is opened.

Savings Accounts¹

¹Annual Percentage Yield (APY) is accurate as of September 22, 2023. Rates may change at any time without prior notice, before or after the account is opened. Fees could reduce earnings on the account. Dividends are paid on the entire balance once the tier minimum is met. For complete terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures booklet.

Money Market¹

¹Annual Percentage Yield (APY) is accurate as of September 22, 2023. Rates may change at any time without prior notice, before or after the account is opened. Fees could reduce earnings on the account. Dividends are paid on the entire balance once the tier minimum is met. For complete terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures booklet.

Savings & IRA Certificates¹

Jumbo Savings Certificates¹

College Savings Certificate¹

¹Annual Percentage Yield (APY) is accurate as of September 22, 2023. Dividends are credited and compounded monthly on the last day of the month. Early withdrawal penalties apply. For complete terms and conditions, refer to the Statements of Terms, Conditions and Disclosures. Minimum opening account balance for jumbo certificates: $100,000. Minimum opening account balance for all other certificates: $1,000.