Desert Financial Credit Union1949 W Ray Rd Ste 34, Chandler, AZ

Chandler, AZ
(602) 335-2500
NCUA Insured

About Desert Financial

This branch of Desert Financial is located at 1949 W Ray Rd Ste 34 in Chandler, Arizona, and can be reached at (602) 335-2500. Desert Financial is a federally insured financial cooperative serving the Chandler, Arizona community. Established to provide a secure alternative to big banks, they focus on member service rather than profits. If you are comparing options, you can also browse other credit unions in Chandler or review your personal loan options.

Not-for-Profit

Profits are returned to members via better rates & lower fees.

Community Focus

Local decision making and support for the Chandler area.

Key Member Benefits

  • First-Time Homebuyer Program

    Special mortgage programs with lower down payments or rate assistance to help you buy your first home.

  • Bilingual Services

    Full service available in multiple languages to support our diverse community.

  • Low-Cost Wire Transfers

    Affordable wire transfer services, making it easier to send money domestically or internationally.

  • Free Checking

    No-cost share draft accounts (checking) with no monthly maintenance fees.

Location & Branch Hours

Visit Branch

1949 W Ray Rd Ste 34

Chandler, AZ 85224

Lobby Hours
Closed

The credit union lobby is currently closed.

Today: 9am-6pm

SundayClosed
Monday9:00 AM - 6:00 PM
Tuesday9:00 AM - 6:00 PM
Wednesday9:00 AM - 6:00 PM
Thursday9:00 AM - 6:00 PM
Friday9:00 AM - 6:00 PM
Saturday9:00 AM - 1:00 PM
ATM Hours

24/7

Need Funds Before You Join?

How to Join

Membership at Desert Financial is typically open to individuals who live, work, worship, or attend school in Chandler and surrounding areas.

Standard Requirements:

  • Valid Government ID (Driver's License, Passport)
  • Social Security Number (SSN)
  • Proof of Address (Utility bill, Lease)
  • Small opening deposit (Usually $5 - $25)

We recommend contacting the branch at (602) 335-2500 to confirm your eligibility before visiting.

Membership and underwriting can take time. If you need funds while your application is in progress, you can explore installment loans or, if your credit history is still developing, review loan options for bad credit.

Services and Loan Types

Like most credit unions, Desert Financial typically offers the following services. If you want to weigh these against online options, you can compare debt consolidation loans or, for those rebuilding their score, look at loans for fair credit:

Loans & Credit

  • Personal Loans: Unsecured loans for debt consolidation or emergencies.
  • Auto Loans: Financing for new and used vehicles.
  • Home Loans: Mortgages and Home Equity (HELOC).
  • Credit Cards: Low-rate Visa/Mastercard options.

Banking & Savings

  • Checking Accounts: Often free with no minimum balance.
  • Savings Accounts: Share accounts with dividends.
  • CDs & IRAs: Long-term savings options.
  • Online Banking: Mobile app and remote deposit.

Verified Branch Services

ATM

Frequently Asked Questions

Is Desert Financial federally insured?

Yes, as a federally chartered or insured credit union, accounts are insured by the **NCUA (National Credit Union Administration)** up to $250,000. This offers the same level of protection as FDIC insurance at traditional banks.

Who can join this credit union?

Field of membership typically includes residents of Chandler, employees of specific local companies, or family members of existing members. Contact the branch directly for the most current eligibility list.

Other Desert Financial Locations

50 additional branches in 1 state

ArizonaCurrent State

50 locations

2355 S Alma School Rd

3.7 mi away(602) 335-8060

2750 E Germann Rd

5.5 mi away(602) 335-4610

4940 E Ray Rd Ste 11

5.9 mi away(602) 335-8080

4970 S Alma School Rd

5.9 mi away(602) 433-7000

1245 E Broadway Rd

6.6 mi away(602) 335-2300

1901 S Gilbert Rd

6.6 mi away(602) 335-6817

1290 S Normal Ave

7.4 mi away(602) 433-7000

2925 S Market Street

7.5 mi away(602) 335-4100

985 E Riggs Rd

7.6 mi away(602) 335-5825

3230 E Baseline Rd

8.8 mi away(602) 335-4590

1262 N Stapley Dr

9.1 mi away(602) 335-8003

4330 E Southern Ave

9.4 mi away(602) 335-8043

5238 S Power Rd

11 mi away(602) 433-7000
Desert Financial Credit Union in Phoenix, AZMain OfficeClosed

148 N 48th St

11 mi away(602) 433-7000

6131 E Southern Ave

11 mi away(602) 335-4000

4405 E McKellips Rd Ste 101

12 mi away(602) 335-5880

2500 N 44th St

13 mi away(602) 335-8320

20062 S Ellsworth Rd, Ste 101

14 mi away(602) 433-7000

411 N Central Ave Ste 140

15 mi away(602) 433-7000

8220 E Via Paseo Del Norte

16 mi away(602) 335-2600

4316 S Signal Butte Rd

16 mi away(602) 433-7000

1606 S Signal Butte Rd

16 mi away(602) 335-4620

5140 W Baseline Rd

18 mi away(602) 335-4010

5555 N 7th St Ste 140

18 mi away(602) 335-5700

40950 N Ironwood Dr

19 mi away(602) 433-7000

1725 W Hunt Hwy

19 mi away(602) 335-4540

20797 N John Wayne Pkwy

20 mi away(602) 335-4490

150 E Old West Hwy

20 mi away(602) 335-5870

6633 N Black Canyon Hwy

20 mi away(602) 335-2800

13015 N Tatum Blvd

21 mi away(602) 433-7000

5250 W Indian School Rd

21 mi away(602) 335-5890

15505 N Hayden Rd

21 mi away(602) 433-7000

7515 W Encanto Blvd Ste 1

23 mi away(602) 335-7200

406 E Thunderbird Rd

23 mi away(602) 433-7000

3423 E Bell Rd

23 mi away(602) 335-5040

826 E Union Hills Dr Bldg E

26 mi away(602) 335-5720

5690 W Thunderbird Rd

27 mi away(602) 335-5400

13200 W McDowell Rd

29 mi away(602) 335-4510

17445 N 79th Ave

30 mi away(602) 335-5935

2501 W Happy Valley Rd Ste 34

30 mi away(602) 335-4110

10725 Grand Ave

31 mi away(602) 335-3200

21655 N Lake Pleasant Pkwy

34 mi away(602) 335-4440

13770 W Bell Rd

36 mi away(602) 335-4050

15215 N Cotton Ln

38 mi away(602) 433-7000

1060 S Watson Rd

40 mi away(602) 335-5770

300 N Beeline Hwy

71 mi away(602) 335-4080

3100 N Glassford Hill Rd

92 mi away(602) 433-7000

3179 Lakeview Plaza Lane

94 mi away(602) 433-7000

Cypress Flagstaff Mall 4620 N US Highway 89 Ste 2

133 mi away(602) 433-7000

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If Desert Financial Credit Union isn't the right fit

To borrow from Desert Financial Credit Union you generally need to qualify for membership and meet its lending criteria, and not every applicant is approved. If you don't qualify, need to compare rates, or want to review more options, you can apply online with lenders serving Arizona. Applying is quick, and funds may be available quickly after approval.

Approval, amount, and terms depend on the lender and your creditworthiness. Loans are not available in all states.