Membership Eligibility
Join a Credit Union That Shares Your Values
At Deseret First, you're more than a customer—you're an owner. Our credit union membership is built around members of The Church of Jesus Christ of Latter-day Saints, their families, and those who serve through affiliated organizations. For over 70 years, we've been the financial home for this community, combining values-driven service with modern convenience.
Who We Serve
Every credit union is defined by its “field of membership.” Ours is rooted in the Church and its extended community. That focus allows us to tailor products, guidance, and service to members who share similar priorities—strengthening families, building security, and serving others.
If you belong to one of these groups, you qualify:
Members of The Church of Jesus Christ of Latter-day Saints
Employees of the Church or affiliated organizations
Immediate family of eligible members
Current employees of Deseret First
Select Employer Groups
Since 1955, DFCU has supported Church-affiliated employers and organizations. That includes higher education, healthcare, media, and nonprofit institutions across the region. These partnerships ensure employees and their families enjoy the same ownership benefits and values-based banking.
Some of those organizations and businesses include: Brigham Young University campuses, Intermountain Health hospitals, Church headquarters and worldwide operations, Deseret Management companies, and media outlets such as KSL and Deseret News—along with many others.
Member‑Owner Advantage
Joining DFCU means you don’t just use a financial institution—you help shape it. Every member’s vote carries equal weight, and every dollar kept here cycles back into stronger rates, lower fees, and dividends for the community.
That’s the cooperative difference:
Savings accounts that earn more
Loans with competitive rates
Minimal fees
Equal voting rights regardless of balance
Dividends that reward participation
Loyalty Benefits
We believe in supporting and promoting financial self-reliance of each member of the credit union. We do this by granting higher interest rates to loyal members on things like:
- Money Market Accounts
- Share Certificates
- Mission Savings Accounts
Becoming a Loyalty Member is easy! To qualify you must meet any one of the following in the previous month:
Made 10 payment transactions
or more on your account
Completed a DFCU First Mortgage
within the last 24 months
Be a Deseret Insurance Agency
policy holder
Be a Deseret First Investment Services
current client
Be younger than 21
to automatically qualify*
Made a payment
on a DFCU loan**
Application Process
Four Simple Steps to Membership
Our streamlined application makes joining DFCU quick and secure. Most members complete the entire process in under 10 minutes. Have your ID and initial deposit ready, and you'll be banking better before you know it.
Verify your eligibility
Complete personal information
Choose your accounts and services
Fund your membership share ($5)
Instant decision in most cases
Immediate access to online banking
From application to account access in minutes.
What You'll Need
Gather These Items Before Starting
Having everything ready makes the application process even smoother. Our secure system protects your information while verifying your identity and setting up your accounts correctly from the start. You will need:
- Government-issued ID (driver’s license or passport)
- Social Security number
- Employment information (if you’re part of our SEG)
- Initial deposit method (account/routing numbers)
- Beneficiary information
- Email and phone number
Prepared applicants become members faster.
85,000+ Members Strong—and Growing With Purpose
Unlike megabanks where you’re just an account number, DFCU membership means you’re known, valued, and supported. With multiple paths to eligibility and seven decades of member-focused service, now is the time to join the community that puts family life at the center of finance.
Deseret Insurance Agency
Deseret Insurance Agency
Get coverage for your home or auto at credit union rates.
Plan Your Future
Meet with Deseret First
Investment Services
for all life stages.
Save More, Stress Less
Save More, Stress Less
Earn Top Rates with Our High-Yield Savings—No Fees, No Fuss.
*Accounts with Tax Reported Owners age 21 or younger will automatically qualify as a loyalty member.
**A member is not eligible for loyalty rates if they have any loans over 30 days delinquent or they have a charged off account.