Personal Savings
Banking Built Around Your Life
At Deseret First, banking is built around people — not account numbers. With just $5, you can become a member and start building your future with a community focused on helping you move forward with confidence.
Membership Savings Account
Your Membership Savings Account is where your DFCU membership begins — giving you access to trusted financial tools, personalized support, and accounts designed around your goals.
Start with just $5 to open membership
Full access to all DFCU products and services
Free ATM access at DFCU and CO-OP locations
NCUA insured up to $250,000
Membership Eligibility
Who Can Join
Deseret First was built to serve communities connected through shared values, family, faith, and local employer partnerships.
You may qualify for membership if you:
• Are a member of The Church of Jesus Christ of Latter-day Saints
• Have an immediate family member who is a DFCU member
• Work for one of our participating employer groups
• Are a DFCU employee
Joining is easy, and our team can help confirm your eligibility in just a few minutes.
Membership Benefits
Becoming a member means more than opening an account. You gain access to:
Competitive rates
Personalized financial guidance
Digital tools that simplify banking
A community focused on helping you succeed
Our team is here to help you move forward with confidence — whether you’re saving, borrowing, or planning for what’s next.
Your Financial Future Starts With Just $5
Membership is more than an account balance—it’s belonging to a community that puts people above profit. With competitive savings options, nationwide access, and values-driven service, DFCU is where your goals find a home.
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.
APY = Annual Percentage Yield. Rates apply to balances of $0.01+ for Special Savings and $30+ for Membership Savings.
Rates subject to change.
Membership eligibility required.
Federally insured by NCUA up to $250,000.
Phone support available Mon–Fri 8 am–7 pm, Sat 9 am–2 pm.