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Credit Union Difference

The difference is you . . . 

  • Your support for something greater than dollars and cents
  • Your interest in positive change
  • Your quest for a brighter future and
  • Your unique voice saying, "I choose to be a credit union member."

Credit unions are not-for-profit cooperatives. Unlike other financial institutions that focus on profit and stakeholders, credit unions are founded on membership—a sharing of resources. Being a member, not a customer; earning dividends; enjoying low loan rates; and helping to reinvest in our community are all aspects of the Credit Union Difference at Desert Schools.

Credit Union Difference
  • Credit unions value individual members: There is a difference between belonging to a credit union and using other financial institutions. Members are owners.
  • Credit unions offer dividends and competitive rates: Net earnings are returned to members in the form of higher dividends on savings and lower interest rates on loans. You can even sign up for Rate Notification, to have the best rates delivered right to your email box.
  • Credit unions are financial advocates: By providing education to members, potential members and children, credit unions help to expand understanding of financial responsibility and community giving. Access Desert Schools' Calendar for free seminars.
  • Credit unions are focused on personal service: Genuinely getting to know members and delivering quality, personal service. Credit unions offer convenience in a variety of ways: Mortgage Loan Officers to guide you through the home loans process, instant-issue debit cards at branches, and valuable investment and insurance options, to name a few.
  • Credit unions are part of a cooperative, global network: Credit unions may focus on their charter areas (e.g., Gila, Maricopa and Pinal Counties), but they also share resources for greater united member benefit. Shared Branching offers point-to-point services at locations around the world.

What Our Members Have to Say

"The branch representatives are all phenomenal, friendly, courteous and make us feel like valued members. I highly recommend Desert Schools Federal Credit Union to anyone inquiring about banking needs."


"It is always a pleasure to come into this branch. It is full of smiling faces and very helpful people."


"Any time I have been to this branch I have been treated with respect. My questions were answered completely, and everyone is friendly—always. Any branch I go to, I find that Desert Schools hires the best people."


"The service delivered is achieved with a smile (regardless of the effort required) as it is remarkable and exemplary—all at once."


"This is my second auto loan with Desert Schools, and I wouldn't go anywhere else."


"The service I got was outstanding. The person that served me explained things and was very complete at showing me how to do Online Banking. I feel like I can freely ask questions and receive answers I understand. I feel very good about my banking with Desert Schools."

Equal Housing Lender Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S.Government Agency. ©2014 Desert Schools Federal Credit Union