It doesn’t matter anymore
I had did a mobile deposit on June 27th and was told I have to wait till July 8th all though my check was paid out to me the 27th

Desert Financial Credit Union is a member-focused financial institution based in Arizona, dedicated to providing a comprehensive range of financial services to individuals and businesses. The company offers various products, including savings accounts, auto loans, mortgage loans, and home equity lines of credit (HELOCs), designed to meet the diverse financial needs of its members. As a not-for-profit credit union, Desert Financial emphasizes community service and member satisfaction, aiming to improve financial well-being through tailored solutions. Targeting both personal and business customers, Desert Financial Credit Union seeks to create exceptional experiences with its top-rated mobile and online banking services. The organization is committed to sharing its success with members through initiatives such as the Member Giveback Bonus, reinforcing its mission to enhance financial health and foster community involvement.
Reviewers consistently report positive experiences with Desert Financial Credit Union. Customers often highlight service, great, easy, customer.
A minority mention drawbacks around account, told, overdraft, fees. Overall sentiment is strongly positive with an average rating of 4.3 stars across 60 reviews.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 4.3 | 60 | 100% | -0.1 | ● Medium |
Monthly average rating from reviews written by people · latest review Sep 2025.
| Month | Average | Reviews |
|---|---|---|
| Jun 25 | 4.3 | 45 |
| Jul 25 | 4.6 | 9 |
| Aug 25 | 3.7 | 3 |
| Sep 25 | 3.7 | 3 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“Outstanding customer service, from the moment I walked in the door for the first time and every time after”
“In the end didnt get anything but a savings account”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Finance & Insurance.
| Company | Overall | Legit | Service | Trend | Reviews |
|---|---|---|---|---|---|
| 4.3 out of 5 (good) | 100 out of 100 | 4.8 out of 5 (good) | — | 60 | |
| 4.2 out of 5 (good) | 100 out of 100 | 3.3 out of 5 (fair) | — | 1,200 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.9 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | — | 1,060 |
Bottom line: Desert Financial Credit Union is #4 of 5 on overall rating in this group.
60 reviews of Desert Financial Credit Union. Filter by what matters to you.
I had did a mobile deposit on June 27th and was told I have to wait till July 8th all though my check was paid out to me the 27th
Everything went very smoothly and efficiently. I was kept updated, and things were finished in a short period of time. Couldn't have gone better.
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Friendly team. Easy peasy
I waited a long time both times I went in to open an account. I asked to order checks. I called back and found out the checks had not been ordered. I deposited $12,000. I was told there would be a hold on the deposit. The service rep asked to see my balance for the account I wrote the check from. I showed him my balance. He said that he could release $500.00. I called back 2 days later because the $500 had not been released. He said he forgot and that he would release 1000 of the 12,000, I had deposited.
Everyone is so helpful and willing to go the extra mile. Thank You
Never received my debit card in the mail, I had to physically go to a branch office. They printed a card for me told me to call the number to activate it. Couldn’t activated, needed to call them directly. I called, was on hold for a while, then come to find out there was an issue printing my debit card, had to wait a long time in the phone for them to activate it.
Kye was very nice and helpful when it came to getting a Heloc loan we are truly grateful.
I opened a new account with a check from the Credit Union I belonged to in Indiana. I was told it would take a couple of days before I would have access to the funds, I was not told there would be a 7 day wait for access. The check was withdrawn from my Credit Union the day after it was written, yet I was required to wait 6 more days to have access to the funds.
Desert Financial Credit Union is a member-focused financial institution based in Arizona, dedicated to providing a comprehensive range of financial services to individuals and businesses. The company offers various products, including savings accounts, auto loans, mortgage loans, and home equity lines of credit (HELOCs), designed to meet the diverse financial needs of its members. As a not-for-profit credit union, Desert Financial emphasizes community service and member satisfaction, aiming to improve financial well-being through tailored solutions. Targeting both personal and business customers, Desert Financial Credit Union seeks to create exceptional experiences with its top-rated mobile and online banking services. The organization is committed to sharing its success with members through initiatives such as the Member Giveback Bonus, reinforcing its mission to enhance financial health and foster community involvement.
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