Desert Financial Federal Credit Union

Recently applied for a desert financial credit card. Was instantly approved for 11,5k. I'll take it! Been with the them for 10 years and the wife double that.

I have been a Desert Financial customer for years-credit cards, checking and HELOC. I recently found out via letter that they closed a credit card due to inactivity, which was a pretty significant hit to my FICO due to 18k no longer being weighted as available credit. Calls to customer service made no difference. I understand they are a business and businesses want to make money, but leaving this account active wasn't costing them any money. Desert Financial is only interested in 'helping' their members when they make money from them. A simple heads-up would have been the right thing to do to give the consumer the opportunity to be part of the decision to either let the account close due to inactivity or to use it to keep it active.

Very happy with the customer service at desert financial. Look forward to a establishing a long relationship with them as my experience with big banks in the past has been less that pleasant.

My card payment account was switched without my knowledge to a checking account I no longer used by their system which caused an overdraft fees & credit issues. Escalated to a manager and he simply said nothing he can do.

I’ve never had such poor service from a bank. Debit cards are garbage and “chips” are worthless. Then they take the declined transactions as a stolen card, don’t notify you and close them without telling you. Take 10 days+ to replace because you’re not allowed inside the crappy POS bank that only exists in Phoenix and no outlying areas. Cheapskates.

Fabulous service. Fabulous interest rates. Fabulous online services. Easy, Easy, easy to transfer money, see balances, see payment activity, see debit card activity. Fabulous epay.

I just started at Desert Financial because 1. It was close to me and 2. It's a credit union not a bank.
Due to Covid-19 they only let you come in by appointment. If you come in *at appointment time* you have to call them and then stand outside in the Arizona heat until they are done with their last client. I had to wait 20 minutes and there was an elderly man also waiting with me, standing in the heat. They finally let me in and I was insistent that they let him wait inside or put a chair out for him /at least/ and they kept throwing up the laziest, calloused excuses (he should have come during senior hour, we tell people to wait in their cars (there is nothing saying that and a lot of people, like me, don't have cars)) absolutely no empathy until I tired them out and they finally caved and put a chair outside for that elderly man. He waited outside until I was done with my appointment essentially and then when they finally let him inside they took the chair back inside DESPITE there being ANOTHER elderly man waiting out in the heat who wanted to sit down. They didn't care at all. They just wanted me to shut up. All this under the blatantly fake guise of "caring for the health of their customers." It's not acceptable to make ANYONE wait outside, standing, in 90 degree weather, for 30 minutes.

Today I went to my appointment and had to ask to wait inside while they got what I need. Yes, even though I had an appointment they were going to make me wait outside while they got what I asked for. When I walked in I was surprised that they had a bunch of food and supplies out with a sign that said "take what you need." Being almost out of food stamps and moving into subsidized housing soon where I didn't have basic supplies I could have almost cried from joy. After I got the form I needed (something I needed for HUD housing) I told them about my food stamps running out, thanked them for having it and timidly asked if they had a bag or something since I don't have a car. He looked at me like I was some kind of intruder and said "that's for the elderly during elderly hours"(There is no sign saying anything about it being for seniors) Yes, the elderly you care so much about.

Was a customer for 10 years but no longer but after I had someone steal money from my account causing me to go in negative as a result they still placed overdraft fees due to three bills being pulled on the date after on my account from the incident. I had the charges from the theft reversed but desert financial still places three overdraft charges on my account and refuses to reverse them. This happened when I was laid off from Covid-19 making me believe the bank was essentially extorting me. This was last straw and I pulled all my money from my savings and placed it in another account. When the initial thefts happened in the middle of the night desert financial didn’t flag these nor try to stop them making me feel my money was not safe with this institution.