Desert Financial Credit Union Reviews 321

TrustScore 4.5 out of 5

4.4

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Considering 162 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their politeness, professionalism, and helpfulness, making interactions pleasant and informative. Many people highlight the outstanding customer service, noting that employees are attentive, explain things clearly, and make banking a pleasure. The service provided is often described as seamless, professional, and efficient, with consumers appreciating the ease of processes like opening accounts and getting loans. However, some customers also noted issues with payment processing, experiencing unexpected charges, withheld transactions, and overdraft fees that caused financial difficulties. A few other people also felt that customer service sometimes misinformed them or created accounts they did not want, leading to frustration.

What people talk about most

Staff

Reviewers mention positive feedback about staff, highlighting that employees are generally friendly,... See more

Customer service

Reviewers highlight positive aspects of customer service, with many praising the professional, personable,... See more

Service

People report positive experiences with service, with many praising the excellent customer service and... See more

User experience

Customers had positive experiences with user experience, finding the purchase and account opening processes... See more

Payment

Consumers find payment to be a negative experience, with many reporting issues such as holds on funds,... See more

Reviews shaping this summary

Rated 4 out of 5 stars

Polite and informed sales team. Disappointed with the lowball estimate of our home value, which did not agree with anything we had. Including our July paid for Valuation, which was professionally done... See more

Company replied

Rated 5 out of 5 stars

I am a new resident of Sun City, and I needed to find a credit union, so I went to Desert Financial. Destinee C. was the first person I spoke to regarding information on becaming a credit union m... See more

Company replied

Rated 5 out of 5 stars

Outstanding customer service, from the moment I walked in the door for the first time and every time after. Everyone makes banking at Desert Financial a real pleasure. All employees seem to be happy t... See more

Company replied

Rated 5 out of 5 stars

To be Frank , I have to say that my experience was really quite enjoyable.Your staff were more than simply pleasant and professional, they were down to Earth and likable. Also , I should like to say t... See more

Company replied


Company details

  1. Credit union
  2. Bank
  3. Financial advisor
  4. Financial Institution
  5. Non-bank financial service

Written by the company

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.

Started by Arizonans, for Arizonans

Written by the company

85 years of service
Desert Financial was founded in 1939 to serve our members and give back to our community.
Founded by teachers
Fifteen Valley educators pooled their money together – just $78.75 – to start our credit union.
Mission-driven
Our mission to share success and create exceptional experiences is why we do what we do.
Committed to sharing success
Sharing our financial success with our members, community and team is simply the right thing to do.

Contact info

4.4

Excellent

TrustScore 4.5 out of 5

321 reviews

5-star
4-star
3-star
2-star
1-star

Asks customers to review

This company invites their customers to review, whether positive or negative

At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Kevin-desert financial

Kevin took care of all my needs and was genuinely concerned about my thoughts and what I wanted.

9 January 2026
Unprompted review
Desert Financial Credit Union logo

Reply from Desert Financial Credit Union

We're thrilled to hear that! Thanks for the 5-star review.

Rated 5 out of 5 stars

Great costumer service

Great costumer service, direct with the questions I asked just all around great help thank you

22 January 2026
Unprompted review
Desert Financial Credit Union logo

Reply from Desert Financial Credit Union

Woohoo! Thanks for sharing your experience with us, Raymond! We're glad we could help.

Rated 2 out of 5 stars

I can't even get into my account…

I can't even get into my account through the app or the website even after visiting a branch and showing proof of identity and waiting. I feel like this was so much work just to open a new account.

22 December 2025
Desert Financial Credit Union logo

Reply from Desert Financial Credit Union

We're sorry to hear that you're having trouble accessing your account after visiting a branch. If you're still having this issue, please give us a call at (602) 433-7000 so we can help.

Rated 5 out of 5 stars

I am a new resident of Sun City

I am a new resident of Sun City, and I needed to find a credit union, so I went to Desert Financial.
Destinee C. was the first person I spoke to regarding information on becaming a credit union member.
She was very professional,attentive, and clearly explained everything I needed to know. So,
I have been a Desert Financial member since 12/10/2025
Candy Carreon.

10 December 2025
Unprompted review
Desert Financial Credit Union logo

Reply from Desert Financial Credit Union

Thanks for choosing us, and for the kind review! We appreciate your feedback, Candy!

Rated 5 out of 5 stars

Great customer service

Great customer service, !!!

12 December 2025
Unprompted review
Desert Financial Credit Union logo

Reply from Desert Financial Credit Union

Yay! We are delighted to hear that, Alma!

Rated 5 out of 5 stars

Professionalism

Thoroughness of individual who helped us.

5 January 2026
Desert Financial Credit Union logo

Reply from Desert Financial Credit Union

We are so happy to hear about your positive experience, Louis!

Rated 5 out of 5 stars

Great bank

Great bank , bank tellers are very helpful and professional

5 January 2026
Desert Financial Credit Union logo

Reply from Desert Financial Credit Union

Thanks for the 5-star review, Jose! We appreciate the feedback.

Rated 1 out of 5 stars

Poor home loan experience

Very poor communication and execution of the home loan. We had to email the same documents multiple times to multiple people.

5 January 2026
Desert Financial Credit Union logo

Reply from Desert Financial Credit Union

We apologize for any inconvenience or frustration you felt during your recent home loan. We aim for a smooth and efficient process, and we're sorry this wasn't your experience. Thank you for bringing this to our attention.

Rated 5 out of 5 stars

Dani helped me through a very stressful…

Dani helped me through a very stressful fraud issue. She really knows her field. She explained it to me and assisted me in what I have to do next and did it all with professionalism and a smile.
Thank you Dani, you are a great asset to the banking world. Chase has a keeper here.

9 January 2026
Desert Financial Credit Union logo

Reply from Desert Financial Credit Union

We're happy to hear that we could assist you with your fraud issue. It's great to know that our expertise and professionalism made a positive impact during a stressful time. Thank you for your kind words, Daunn!

Rated 5 out of 5 stars

Friendly staff

Friendly staff, beautiful day in the neighborhood feel.

5 January 2026
Desert Financial Credit Union logo

Reply from Desert Financial Credit Union

Yay! Sounds like a great visit. Thanks for stopping by!

Rated 1 out of 5 stars

Awful not helpful what so ever holding…

Awful not helpful what so ever holding someone check cause there a new member when they are in desperate need is crazy

5 January 2026
Desert Financial Credit Union logo

Reply from Desert Financial Credit Union

Thank you for sharing your experience with us, and we apologize for any inconvenience you've faced. The temporary hold on new checks is a precaution to prevent fraud. Our aim is to secure all transactions while ensuring efficient service. We'd like to take a look and see what we can do. If you're willing, please give us a call at (602) 433-7000.

Rated 4 out of 5 stars

It was my first time at the branch

It was my first time at the branch. Recently opened the account online. So far so good.

5 January 2026
Desert Financial Credit Union logo

Reply from Desert Financial Credit Union

Thanks for the positive review, Rudy! If there's anything we can do to improve, please let us know.

Rated 5 out of 5 stars

Opening an account is quick and easy

Opening an account is quick and easy, including transferring money from my other banking institution.

5 January 2026
Desert Financial Credit Union logo

Reply from Desert Financial Credit Union

We're happy to hear that opening your account and transferring funds was a quick and easy experience for you. Thank you for your positive feedback, Michelle!

Rated 5 out of 5 stars

Love working with you guys everybody is…

Love working with you guys everybody is very nice very professional and get right to the point keep up the good work

22 December 2025
Desert Financial Credit Union logo

Reply from Desert Financial Credit Union

We're happy to hear that you had a positive experience! We appreciate your kind words regarding our team's professionalism and efficiency. Thanks for the 5 stars!

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look