Member-Owned Credit Union · Greater Phoenix AZ
Desert Sky Credit Union is 100% member-owned. That means lower fees, better rates, and local decisions made by people who live and work in the same communities you do.
Member services
From free checking to home mortgages and mobile banking, Desert Sky Credit Union offers a full range of financial services built around what our members actually need.
No monthly fees, no minimum balance, and free access to thousands of ATMs nationwide. Banking should be simple.
Earn more on your savings with competitive dividend rates on regular savings, money market, and certificate accounts.
New or used, our auto loan rates beat most banks. Get pre-approved in minutes and drive off the lot the same day.
Purchase, refinance, or tap home equity with local underwriting. We review your application here in Arizona -- not a call center.
Low-rate Visa cards with no annual fee, no foreign transaction fees, and rewards that actually add up. Apply online today.
Deposit checks, pay bills, transfer funds, and lock your card -- all from the Desert Sky app, available on iOS and Android.
The Desert Sky difference
Unlike traditional banks, we have no outside shareholders. Every dollar of profit goes back to our members through better rates, lower fees, and improved services.
How to join
Membership is open to anyone who lives, works, or worships in Maricopa County. Apply in under 10 minutes online or stop by any branch.
A $5 deposit into a savings account establishes your membership and makes you a part-owner of the credit union -- that is all it takes.
Enjoy full access to loans, cards, online banking, and every other service we offer. Your money works harder the moment you join.
Member stories
"I refinanced my car through Desert Sky and saved $85 a month. The whole process took less than a day and everyone was genuinely helpful. I am never going back to a big bank."
"Finally a bank -- sorry, credit union -- that feels like they are on my side. Free checking with no gotchas, great app, and the tellers actually know my name."
"We used Desert Sky for our home purchase and it was the smoothest mortgage experience I have had. Local underwriting made a real difference in closing fast."
Join Desert Sky Credit Union today -- membership is open to anyone who lives, works, or worships in Maricopa County.