Your Why Matters.
We Make It Possible.
Join Deseret First to experience values-aligned banking. Free checking, high-yield mission savings, loans, mobile tools, and real human support.
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Fixed-rate mortgage
10-year
As low as
6.33*APR
Cars
60-month
As low as
5.24*APR
RV & Boat loans
Up to 15 years
As low as
8.49*APR
Money Market
High-yield savings
3.85*APY
Share Certificates
24-month
4.10*APY
*APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of today and subject to change without notice. Loan approval and rate based on creditworthiness and term. Membership and eligibility required.
Find Your Home. Build Your Future. Mortgages designed around your why.
We know your home is more than a place to live — it’s where memories are made, families grow, and futures are built. With competitive rates and flexible terms, we’ll help you move into the home that feels just right.
Simplify Banking
Checking Accounts
Simplify Banking
An account made to give you that fresh start you are looking for.
Savings
Smart Savings
for Every Season of Life
From starting out to planning ahead, our accounts help your family grow with confidence and clarity. Every account is federally insured to at least $250,000 and managed by people who know your “why”.
Regular Savings
Regular Savings
Your $5 share makes you a part‑owner of DFCU and starts earning dividends immediately. Build an emergency fund or funnel excess cash here and watch it grow.
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Mission Savings
Mission Savings
Earn a market‑leading 4.15 % APY* on balances up to $15 k. No monthly fees, and we reimburse up to $25/month in foreign ATM fees while you serve.
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Youth Cents Savings
Youth Cents Savings
Cultivate healthy money habits early. Parents get joint oversight, kids get achievement badges and automatic transfer options to see progress.
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Platinum Savings
Platinum Savings
Tiered yields that rise with your balance—up to 3.40 % APY on $100 k+. Enjoy certificate‑level earnings with day‑to‑day liquidity.
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Checking
Checking Accounts
Made for Everyday Life
We believe great checking should be free, rewarding, and effortless to manage—whether you bank on campus, downtown, or halfway across the globe.
First Choice Checking
First Choice Checking
Pick your perk each cycle: earn high interest up to 1 % APY on balances, collect cash back, or stack rewards points for travel and gift cards. Includes up to $25/month in ATM fee refunds, Bill Pay, and CardHub controls.
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Regular Checking
Regular Checking
Zero hoops, zero monthly fees, unlimited transactions, and an instant-issue Visa debit card you can add to Apple Pay or Google Wallet before you leave the branch.
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Student Checking
Student Checking
No-fee account for ages 14–25 with real-time alerts, budgeting tools, and optional parent view. Students can even earn a $75 bonus after the first 10 debit transactions.
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Run the Numbers
See What You Can Afford
Estimate your monthly payment, total interest, and payoff timeline — adjust the numbers to fit your budget before you apply
Mortgage Calculator
Find a house payment to fit your budget with this calculator!
PrincipalInterestEscrow
Estimated payoff date:
06/11/2056
Total interest:
$382,184
Total to be repaid:
$824,934
Digital Convenience,
Personal Touch
Skip‑a‑Pay
Free up cash during tight months without harming your credit.
Identity Protection Suite
NXG strategies monitor, alert, and restore if fraud hits.
Loan Payment Portal
Make principal‑only or extra payments from any external account in seconds.
24/7 Live Support
Yes, real humans—because questions don’t keep banker’s hours.
Mobile Banking
Mobile Tools That Put You in Control of Your Money
Skip the line and bank on your time.
CardHub
Freeze cards, set spending limits by category, or receive instant swipe notifications.
All‑Accounts View
Link outside bank or investment accounts for a single financial snapshot.
Mobile Deposit
Snap, submit, and funds usually post the same day.
Bill Pay & Zelle®
Pay bills or friends without checks or fees
Download the App
Your phone has never felt more like a branch.
Business Services
Empower Your Business Vision
Whether you manage a family business, starting out on your own, or a nonprofit, we deliver banking that removes friction and frees you to focus on your own goals.
Free Business Checking
No minimums, no transaction caps, same‑day debit card issuance.
Merchant Processing
Next‑day deposits, competitive swipe fees, and mobile POS solutions.
Commercial & Equipment Loans
Local decision‑making, terms up to 25 years, flexible collateral.
Dedicated Relationship Team
Advisors who understand local markets and nonprofit workflows.
Learn, Plan, Succeed
From quick budgeting worksheets to deep‑dive webinars on retirement planning, our Learning Center equips every member to make confident choices. Interactive calculators model “what‑if” scenarios, while blog articles break down complex topics like refinancing versus HELOCs into plain language.
How-to Articles
How-to Articles
Bite-sized, expert-written walk-throughs tackle everything from building a bulletproof budget to paying off debt faster. Skim for quick wins or deep-dive into any topic—each article equips you with clear next steps you can put to work today.
Printable Guides & Checklists
Printable Guides & Checklists
Download ready-to-use templates that turn big goals into manageable action plans. Whether you’re planning for a new home, mapping out retirement, or simply tracking monthly expenses, these worksheets keep you organized, motivated, and on track.
Personal Financial Review
Personal Financial Review
Schedule a one-on-one session with a certified advisor who’ll review your current finances, pinpoint hidden opportunities, and craft a personalized roadmap toward your short- and long-term goals—so every dollar you earn works harder for you.
Join 85,000+ Members Banking With Purpose
Open an account online in minutes, or chat with a member services representative and feel the DFCU difference right away. Experience banking that respects your beliefs, rewards your loyalty, and supports your community—all while saving you money.
Become a Member Today
Become a Member Today
LDS Members and others are welcome to join us as members.
Save More, Stress Less
Save More, Stress Less
Earn Top Rates with Our High-Yield Savings—No Fees, No Fuss.
No monthly fees or per-transaction charges. Free business debit cards with instant issue. QuickBooks compatible. Mobile deposits included. Federally insured by NCUA. Business Services available weekdays 9am-5pm. Phone 801-456-7060 for general business inquiries. Membership and eligibility required.