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NCUA Insured · Equal Housing Lender Mon-Fri 9am-5pm | Sat 9am-1pm
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Desert Sky Credit UnionMember-Owned · Phoenix AZ
Become a member(602) 555-0183 Open an Account
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Financial services built around you

Checking, savings, loans, cards, and digital banking -- all at rates and fees that put members first.

Free Checking Accounts

No monthly fees, no minimum balance, and free access to thousands of ATMs nationwide. Banking should be simple.

  • No monthly fees or minimum balance
  • Visa debit card included
  • Free access to 30,000+ ATMs nationwide
  • Paperless or paper statements

Savings & Money Market

Earn more on your savings with competitive dividend rates on regular savings, money market, and certificate accounts.

  • Competitive dividend rates on all tiers
  • Money market accounts for higher balances
  • Share certificates (CDs) with guaranteed yields
  • Youth savings accounts for kids and teens

Auto Loans

New or used, our auto loan rates beat most banks. Get pre-approved in minutes and drive off the lot the same day.

  • New and used vehicle financing
  • Pre-approval in minutes online
  • Refinance your existing auto loan
  • Rates as low as 5.49% APR (rate example)

Home Loans & Mortgages

Purchase, refinance, or tap home equity with local underwriting. We review your application here in Arizona -- not a call center.

  • Purchase and refinance mortgages
  • Home equity loans and lines of credit
  • Local underwriting and fast closings
  • Fixed and adjustable rate options

Visa Credit Cards

Low-rate Visa cards with no annual fee, no foreign transaction fees, and rewards that actually add up. Apply online today.

  • Low fixed interest rates
  • No annual fee, no foreign transaction fee
  • Cash back and travel rewards options
  • Contactless and Apple/Google Pay ready

Online & Mobile Banking

Deposit checks, pay bills, transfer funds, and lock your card -- all from the Desert Sky app, available on iOS and Android.

  • Mobile check deposit from anywhere
  • Real-time alerts and card controls
  • Bill pay and account-to-account transfers
  • iOS and Android apps -- free download

Deposit protection

Your money is safe and federally insured

All Desert Sky Credit Union deposits are insured up to $250,000 per account by the National Credit Union Administration (NCUA) -- the credit union equivalent of FDIC insurance.

  • $250,000 NCUA coverage per depositor
  • IRA and joint accounts covered separately
  • Backed by the full faith of the U.S. government
  • No history of member losses -- ever
NCUA Federally Insured

Ready to open your account?

Membership is open to everyone in Maricopa County. Get started online or stop by any of our 7 branches today.

Become a Member Call (602) 555-0183