Capital That Advances Your Business—Not Just Your Balance Sheet
Running a company or non-profit takes vision and resources. When opportunities appear—new storefronts, expanded fleets, upgraded tech—you need financing that respects responsibility, not shareholder pressure. Deseret First delivers competitive rates, transparent fees, and Utah‑based underwriters who grasp multi‑site operations. We’re more than a lender; we’re a partner who helps you achieve your goals while protecting your bottom line.
Welcome Back
Sign in to online banking
Commercial Real Estate Loans
Own the Space That Elevates Your Impact
Whether you’re buying an office, warehouse, or retail location, our Commercial Real Estate Loans give you the flexibility to grow where your business already thrives. We offer up to 80% financing, loan terms up to 25 years, and both fixed and adjustable rates.
Our approach goes beyond rent rolls or balance sheets—we consider your growth potential, community involvement, and leadership stability. Borrow from $250,000 to over $5 million with tailored amortization schedules, or refinance an existing mortgage to lower payments and free up cash flow.
With an in-house appraisal panel, timelines stay tight and costs stay predictable. Plus, there are no prepayment penalties on 10-year terms or shorter, so you can pay off your loan early as revenue or donations increase.
Put down roots where your customers and employees already thrive.
Commercial Construction Loans
Build From the Ground Up—One Simple Closing
From blueprint to ribbon‑cutting, our one‑time‑close construction loan funds land purchase, ground‑up builds, or major remodels. Draws arrive within 48 hours so contractors stay on schedule—and you avoid the dual‑closing headaches banks impose.
Interest‑only during construction
(Typically 12–18 months).
Choose fixed or variable conversion at completion
Lock early or float.
Dedicated construction officer
Coordinates inspections and draw approvals.
Flexible collateral
Include land equity, donor pledges, or parent‑organization guarantee.
Equipment Loans
Upgrade Tools, Trucks, or Tech Without Draining Cash Flow
When it’s time to modernize, our Equipment Loans make it simple to finance new tools, vehicles, or technology—up to 100% of total cost, including delivery, installation, and warranties.
We offer flexible terms from 3 to 7 years, aligned with the expected lifespan of your assets. Fixed rates help keep budgets predictable, while our lending team can provide Section 179 tax advantage guidance at closing (always consult your CPA for specific advice).
Bundle multiple purchases into one simple monthly payment for easier budgeting and less accounting clutter.
Upgrade confidently while keeping your reserves in reserve.
Business Auto Loans
Keep Your Fleet Rolling—From Sedans to Service Trucks
Your vehicles are a reflection of your business—and keeping them reliable shouldn’t come at a premium. Our Business Auto Loans offer rates typically 1%–2% lower than dealership commercial financing, with terms of up to 84 months.
Finance new or used vehicles, or refinance existing loans to save more. We also make it easy to include upfits like racks, wraps, or refrigeration directly in the loan. GAP and extended-warranty options protect your investment, and in-house title processing ensures a faster DMV turnaround.
Reliable vehicles mean reliable deliveries and dependable service.
Business Lines of Credit
Flexible Funds for Seasonal Swings and Growth Spurts
A revolving line of credit provides working capital exactly when you need it—payroll before reimbursements arrive, inventory ahead of holidays, or immediate funding for charitable events.
Why Borrow With DFCU
At DFCU, business lending is personal. Our local underwriting and servicing mean approvals happen in days, not months—and when questions arise, you’ll talk with a real person who understands your business.
We take the time to understand your industry—whether you’re managing cash flow cycles, payroll complexities, or nonprofit funding requirements. Our lending process is built on transparency, with no hidden documentation or facility fees.
And because we’re focused on relationships, not quotas, our lenders check in annually to review your rates, raise limits, or identify potential savings that support your growth.
Ready to Fund the Next Chapter of Your Business?
Become a Member Today
Become a Member Today
LDS Members and others are welcome to join us as members.
View High-Yield Savings Accounts
Save More, Stress Less
Earn Top Rates with Our High-Yield Savings—No Fees, No Fuss.
APR = Annual Percentage Rate. Rates effective today and subject to change. Approval, rate, and term depend on creditworthiness, collateral, and financial performance. Membership and eligibility required.