Desert Financial Credit UnionReviews of desertfinancial.com

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4.5/ 5

Excellent

344 reviews

Desert Financial Credit Union4.5Excellent

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About Desert Financial Credit Union

For 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 The Fair Hearing, with an average rating of 4.5 out of 5.

Also known as: desertfinancial.com
Website: desertfinancial.com
Category: Credit & Debt Services
Listed on The Fair Hearing: 2026

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May 23, 2025

Thieves

I never had this experience with any other bank, even with opening a new account or being a new member. I deposited a paycheck into my account on Friday 05/16. What a huge mistake that was! Even with being new to the bank you'd think it'd be clear in a few days, like by Monday or Tuesday. That's always been my experience with other banks and credit unions I've done business with throughout the years. I called DF on Monday 05/19 to see what status was. They said it won't clear until 05/26 which is also a holiday so I'm not holding my breath on that. They also can't stop the process once started, so they are holding my money hostage until it clears. NEVER in my life have I had a financial institution have something take that long. A couple days is pretty typical and no big deal. Over 10 days is ludicrous and unacceptable. Unfortunately, I have to deal with them until they aren't holding my money hostage any more. Thank God it's just a personal account and not a business one. The only good thing is now I know where not to bring my business and personal needs.

By Mike

Response from Desert Financial Credit Union· May 29, 2025

Thank you for taking the time to share your experience Mike. We sincerely apologize for the frustration and inconvenience this situation has caused you. We understand how important timely access to your funds is, and we regret that your deposit experience did not meet your expectations or align with what you’ve experienced at other institutions. As part of our commitment to account security, especially for new accounts, we sometimes place extended holds on certain deposits to mitigate the risk of fraud. While these policies are designed to protect both our members and the credit union, we understand that they can feel restrictive and inconvenient, particularly when you’re accustomed to quicker processing elsewhere. We value your feedback and take it seriously as we continue evaluating how to balance safety with a smooth banking experience. If you’d like to speak more in-depth about your specific situation, please give us a call at (602) 433-7000. Thank you again for your candid feedback!