- Checking accounts
- Savings accounts
- Savings certificates
- Credit cards
Desert Schools Federal Credit Union is a fully functioning credit union and currently offers a variety of financial products including savings and checking accounts, certificates of deposit, IRAs, consumer loans, six different Visa cards, vehicle and watercraft loans, home equity products, first mortgages, direct deposit, online and mobile banking.
Desert Schools Federal Credit Union offers two standard kinds of checking accounts the Membership Checking and the Desert Connect Checking. Both types of accounts come with your standard tools for accessing your accounts but vary with different perks and requirements to set up the accounts, for instance, minimum balance requirements for opening the account initially, or a free debit card with rewards.
Desert Schools Federal Credit Union offers one type of personal savings account. Their savings account will provide you with the basic necessities to help you save for a rainy day or emergency. The account includes dividends paid monthly, unlimited transactions at Desert Schools ATMs, rates at 0.05% APY, unlimited over-the-counter transactions, two free ATM withdrawals per month at select networks (Desert Schools ATMs are always free), and access to products and services made just for the local community.
A Desert Schools Savings Certificate lets you decide how much and how long you want to invest, beginning at just $1,000 for a short six-month term. To continue building your savings, simply take no action at certificate maturity, and it will renew automatically for the same term at our current rate and has the following benefits for their members: no monthly or annual service fees, $1,000 minimum deposit, and competitive fixed rates. Desert Schools Federal Credit Union offers terms available from six months to five years, free online banking, eStatements, and phone banking.
Probably the best thing that Desert Schools Federal Credit Union offers its members is the multiple credit cards options available to choose from. Every member has different needs, from lower interest rates to rewards, to even better rewards, business credit cards, and even a college student credit card for those who are trying to learn how to build credit.