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First Mortgage Rates
Learn moreRates valid on {current-date}.
Apply for a Mortgage
Mortgage Purchase
Rate
APR¹
Points
CONFORMING LOAN
Interest Rate
6.00%
APR
6.219%
Purchase Price
$450,000
Down Payment
28.00%
Loan Amount
$325,000
Term
15 years
Monthly Payment
$2,734
Purchase Rate Assumptions and APR Information
Today's purchase rates are based on the purchase of a single-family, primary residence, a credit score of 780
Rates valid on {current-date}. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
CONFORMING LOAN
Interest Rate
6.625%
APR
6.761%
Purchase Price
$450,000
Down Payment
28.00%
Loan Amount
$325,000
Term
30 years
Monthly Payment
$2,075
Purchase Rate Assumptions and APR Information
Today's purchase rates are based on the purchase of a single-family, primary residence, a credit score of 780
Rates valid on {current-date}. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
CONFORMING LOAN
Interest Rate
6.125%
APR
7.292%
Purchase Price
$450,000
Down Payment
28.00%
Loan Amount
$325,000
Term
5 year ARM
Monthly Payment
$1,969
Purchase Rate Assumptions and APR Information
Rates valid on {current-date}. The interest rate will be based on the 30-Day Average of the SOFR index as published by the Federal Reserve Bank of New York.
Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
CONFORMING LOAN
Interest Rate
6.375%
APR
7.218%
Purchase Price
$450,000
Down Payment
28.00%
Loan Amount
$325,000
Term
7 year ARM
Monthly Payment
$2,021
Purchase Rate Assumptions and APR Information
Today's purchase rates are based on the purchase of a single-family, primary residence, a credit score of 780
Rates valid on {current-date}. The interest rate will be based on the 30-Day Average of the SOFR index as published by the Federal Reserve Bank of New York.
Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
CONFORMING LOAN
Interest Rate
6.125%
APR
6.429%
Purchase Price
$326,000
Down Payment
3.50%
Loan Amount
$314,590
Term
FHA 30 Year Fixed
Monthly Payment
$1,911
Purchase Rate Assumptions and APR Information
Rates valid on {current-date}. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
NON-CONFORMING LOAN
Interest Rate
6.00%
APR
6.191%
Purchase Price
$1,100,000
Down Payment
28.00%
Loan Amount
$795,000
Term
15 years
Monthly Payment
$6,683
Purchase Rate Assumptions and APR Information
Rates valid on {current-date}. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
NON-CONFORMING LOAN
Interest Rate
6.50%
APR
6.605%
Purchase Price
$1,100,000
Down Payment
28.00%
Loan Amount
$795,000
Term
30 years
Monthly Payment
$5,006
Purchase Rate Assumptions and APR Information
Rates valid on {current-date}. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
NON-CONFORMING LOAN
Interest Rate
6.125%
APR
7.262%
Purchase Price
$1,100,000
Down Payment
28.00%
Loan Amount
$795,000
Term
5 year ARM
Monthly Payment
$4,812
Purchase Rate Assumptions and APR Information
Rates valid on {current-date}. The interest rate will be based on the 30-Day Average of the SOFR index as published by the Federal Reserve Bank of New York.
Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
NON-CONFORMING LOAN
Interest Rate
6.375%
APR
7.188%
Purchase Price
$1,100,000
Down Payment
28.00%
Loan Amount
$795,000
Term
7 year ARM
Monthly Payment
$4,941
Purchase Rate Assumptions and APR Information
Rates valid on {current-date}. The interest rate will be based on the 30-Day Average of the SOFR index as published by the Federal Reserve Bank of New York.
Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
Disclosures
1Rates valid on {current-date}
Fixed & ARM Loans - Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
ARM Loans - The interest rate will be based on the 30-Day Average of the SOFR index as published by the Federal Reserve Bank of New York.
Mortgage Refinance
Learn moreRates are subject to change without notice.
Apply for a Mortgage Refi
Mortgage Refi
Rates
APR
Points
CONFORMING LOAN
Interest Rate
6.125%
APR
6.345%
Estimated Value
$450,000
Loan Amount
$325,000
Term
15 years
Monthly Payment
$2,756
Refinance Rate Assumptions and APR Information
Today's refinance rates are based on the purchase of a single-family, primary residence, a credit score of 780
Rates valid on {current-date}. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
CONFORMING LOAN
Interest Rate
6.75%
APR
6.912%
Estimated Value
$450,000
Loan Amount
$325,000
Term
30 years
Monthly Payment
$2,101
Refinance Rate Assumptions and APR Information
Today's refinance rates are based on the purchase of a single-family, primary residence, a credit score of 780
Rates valid on {current-date}. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
CONFORMING LOAN
Interest Rate
6.375%
APR
7.393%
Estimated Value
$450,000
Loan Amount
$325,000
Term
5 year ARM
Monthly Payment
$2,021
Refinance Rate Assumptions and APR Information
Today's refinance rates are based on the purchase of a single-family, primary residence, a credit score of 780
Rates valid on {current-date}. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
CONFORMING LOAN
Interest Rate
6.625%
APR
7.361%
Estimated Value
$450,000
Loan Amount
$325,000
Term
7 year ARM
Monthly Payment
$2,075
Refinance Rate Assumptions and APR Information
Today's refinance rates are based on the purchase of a single-family, primary residence, a credit score of 780
Rates valid on {current-date}. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
CONFORMING LOAN
Interest Rate
6.125%
APR
6.429%
Estimated Value
$326,000
Loan Amount
$314,590
Term
FHA 30 Year Fixed
Monthly Payment
$1,911
Refinance Rate Assumptions and APR Information
Today's refinance rates are based on the purchase of a single-family, primary residence, a credit score of 660
Rates valid on {current-date}. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
NON-CONFORMING LOAN
Interest Rate
6.125%
APR
6.316%
Estimated Value
$1,100,000
Loan Amount
$795,000
Term
15 years
Monthly Payment
$6,737
Refinance Rate Assumptions and APR Information
Today's refinance rates are based on the purchase of a single-family, primary residence, a credit score of 780
Rates valid on {current-date}. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
NON-CONFORMING LOAN
Interest Rate
6.50%
APR
6.630%
Estimated Value
$1,100,000
Loan Amount
$795,000
Term
30 years
Monthly Payment
$5,006
Refinance Rate Assumptions and APR Information
Today's refinance rates are based on the purchase of a single-family, primary residence, a credit score of 780
Rates valid on {current-date}. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
NON-CONFORMING LOAN
Interest Rate
6.25%
APR
7.312%
Estimated Value
$1,100,000
Loan Amount
$795,000
Term
5 year ARM
Monthly Payment
$4,876
Refinance Rate Assumptions and APR Information
Today's refinance rates are based on the purchase of a single-family, primary residence, a credit score of 780
Rates valid on {current-date}. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
NON-CONFORMING LOAN
Interest Rate
6.625%
APR
7.191%
Estimated Value
$1,100,000
Loan Amount
$795,000
Term
7 year ARM
Monthly Payment
$5,071
Refinance Rate Assumptions and APR Information
Today's refinance rates are based on the purchase of a single-family, primary residence, a credit score of 780
Rates valid on {current-date}. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
Disclosures
1Rates are subject to change without notice.
Fixed & ARM Loans - Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
ARM Loans - The interest rate will be based on the 30-Day Average of the SOFR index as published by the Federal Reserve Bank of New York.
Home Equity Line of Credit
Learn moreRates valid on {current-date}.
Apply for a Home Equity Line of Credit
Rate Description
Term
APR As Low As¹
Rate Description
Home Equity Line of Credit - First 12-month Promo Rate (fixed)
Term
10-year draw period; 20-year repayment term
APR As Low As¹
6.49%
Home Equity Line of Credit - First 12-month Promo Rate (fixed)
10-year draw period; 20-year repayment term
6.49%
Rate Description
Home Equity Line of Credit - After first 12 months (variable)
Term
10-year draw period; 20-year repayment term
APR As Low As¹
8.50%
Home Equity Line of Credit - After first 12 months (variable)
10-year draw period; 20-year repayment term
8.50%
Rate Description
Home Equity Line of Credit - Fixed Rate Option
Term
12 to 60 months
APR As Low As¹
7.50%
Home Equity Line of Credit - Fixed Rate Option
12 to 60 months
7.50%
Rate Description
Home Equity Line of Credit - Fixed Rate Option
Term
61 to 120 months
APR As Low As¹
7.625%
Home Equity Line of Credit - Fixed Rate Option
61 to 120 months
7.625%
Rate Description
Home Equity Line of Credit - Fixed Rate Option
Term
121 to 180 months
APR As Low As¹
7.75%
Home Equity Line of Credit - Fixed Rate Option
121 to 180 months
7.75%
Rate Description
Home Equity Line of Credit - Fixed Rate Option
Term
181 to 240 months
APR As Low As¹
7.875%
Home Equity Line of Credit - Fixed Rate Option
181 to 240 months
7.875%
Rate Description
Home Equity Line of Credit - Fixed Rate Option
Term
241 to 360 months
APR As Low As¹
8.00%
Home Equity Line of Credit - Fixed Rate Option
241 to 360 months
8.00%
Disclosures
1
Rates valid on {current-date}. APR = Annual Percentage Rate. Promotional APR applies only to new Home Equity Lines of Credit (HELOC) with a minimum loan amount of $10,000, and a maximum loan-to-value (LTV) of 80%. Members who have closed an existing Desert Financial HELOC in the last 12 months are not eligible to receive the promotional APR on a new HELOC on that same property. $50 annual fee applies; waived for Rewards+ members. Visit DesertFinancial.com/Terms for full Relationship Rewards details. Promotional APR is fixed for initial 12 months of the term. On the first calendar day of the 13th month following loan closing date, APR will convert to the variable rate plan as described in the applicable loan documents. Subsequent APR may vary based on the index rate, plus a margin. Index rate is based on the Prime Rate as published in the Wall Street Journal. On July 27, 2023, that index was 8.50%; resulting APR with a 0.50% margin is 9.00%. APR will never exceed 24.00%. "As low as" rate assumes excellent borrower credit history and a loan amount of $75,000 or more. Alternative rates and terms are available. Actual rates and APRs dependent on credit history, type of product, loan term and loan-to-value (LTV), occupancy and type of collateral. This line has a 10-year draw period. Minimum monthly payment will be principal and interest amortized over a 30-year repayment term. NMLS ID#509455. For current rates visit DesertFinancial.com/Rates.
Auto Loans
Learn moreRates valid on {current-date}.
Apply for an Auto Purchase Loan Apply for an Auto Refi
Product Type
APR As Low As¹
Product Type
New Auto
APR As Low As¹
6.34%
New Auto
6.34%
Product Type
Used Auto
APR As Low As¹
6.34%
Used Auto
6.34%
Product Type
Auto Refinance
APR As Low As¹
6.34%
Auto Refinance
6.34%
Disclosures
1APR accurate as of {current-date}. Actual Annual Percentage Rate (APR) dependent upon borrower(s) credit qualifications. Additional rate discounts may apply.
Recreational Loans
Learn moreRates valid on {current-date}.
Apply for a Marine Loan Apply for a Motorcycle/ATV Loan Apply for a RV Loan
Product Name
APR As Low As¹
Product Name
Marine
APR As Low As¹
9.25%
Marine
9.25%
Product Name
Motorcyles/ATVs
APR As Low As¹
12.50%
Motorcyles/ATVs
12.50%
Product Name
Recreational Vehicles
APR As Low As¹
9.25%
Recreational Vehicles
9.25%
Disclosures
1APR accurate as of {current-date}. Actual Annual Percentage Rate (APR) dependent upon borrower(s) credit qualifications. Additional rate discounts may apply.
Personal Unsecured Loans
Learn moreRates valid on {current-date}.
Apply for a Signature Loan Apply for a Personal Line of Credit
Product Type
APR As Low As¹
Product Type
Signature Loan (Minimum loan amount of $1,000)
APR As Low As¹
14.00%
Signature Loan (Minimum loan amount of $1,000)
14.00%
Product Type
Variable Rate Line of Credit
APR As Low As¹
17.00%
Variable Rate Line of Credit
17.00%
Disclosures
1APR accurate as of {current-date}. Actual Annual Percentage Rate (APR) dependent upon borrower(s) credit qualifications. Additional rate discounts may apply.
Savings Accounts
Learn moreRates valid on {current-date}.
Open an account
Product Type
APY¹
Dividend Rate
Min. Balance to Earn APY
Product Type
Membership Savings
APY¹
0.10%
Dividend Rate
0.10%
Min. Balance to Earn APY
$25
Membership Savings
0.10%
0.10%
$25
Product Type
IRA and Health Savings
APY¹
2.50%
Dividend Rate
2.47%
Min. Balance to Earn APY
No minimum
IRA and Health Savings
2.50%
2.47%
No minimum
Product Type
Holiday Savings
APY¹
0.10%
Dividend Rate
0.10%
Min. Balance to Earn APY
No minimum
Holiday Savings
0.10%
0.10%
No minimum
Product Type
Savings
APY¹
0.10%
Dividend Rate
0.10%
Min. Balance to Earn APY
No minimum
Savings
0.10%
0.10%
No minimum
Disclosures
1Annual Percentage Yield (APY) is accurate as of {current-date}. Rates are subject to change without notice and may change after the account is opened. For complete account terms and conditions, refer to our Statements of Terms, Conditions and Disclosures.
Money Market
Learn moreRates valid on {current-date}.
Open an account
Money Market - Balance range to earn APY
APY¹
Dividend Rate
Money Market - Balance range to earn APY
$2,000-$9,999
APY¹
0.90%
Dividend Rate
0.90%
$2,000-$9,999
0.90%
0.90%
Money Market - Balance range to earn APY
$10,000-$24,999
APY¹
1.00%
Dividend Rate
1.00%
$10,000-$24,999
1.00%
1.00%
Money Market - Balance range to earn APY
$25,000-$49,999
APY¹
1.15%
Dividend Rate
1.14%
$25,000-$49,999
1.15%
1.14%
Money Market - Balance range to earn APY
$50,000-$99,999
APY¹
1.80%
Dividend Rate
1.79%
$50,000-$99,999
1.80%
1.79%
Money Market - Balance range to earn APY
$100,000-$249,999
APY¹
2.50%
Dividend Rate
2.47%
$100,000-$249,999
2.50%
2.47%
Money Market - Balance range to earn APY
$250,000+
APY¹
3.25%
Dividend Rate
3.20%
$250,000+
3.25%
3.20%
Disclosures
1Annual Percentage Yield (APY) is accurate as of {current-date}. Rates are subject to change without notice and may change after the account is opened. Fees could reduce the earnings on the account. For complete account terms and conditions, refer to our Statements of Terms, Conditions and Disclosures.
Jumbo Money Market
Learn moreRates valid on {current-date}.
Open an account
Jumbo Money Market¹
APY²
Dividend Rate
Jumbo Money Market¹
$100,000+
APY²
4.00%
Dividend Rate
3.93%
$100,000+
4.00%
3.93%
Disclosures
The Jumbo Money Market account offered by Desert Financial Credit Union is administered through the Demand Deposit Marketplace (DDM) Program, operated by Stable Custody Group II, LLC. Deposited funds up to the Maximum Program Deposit Amount may be swept into deposit accounts federally insured by the FDIC or NCUA at participating Receiving Financial Institutions. Visit DesertFinancial.com/JMM to view the DDM program disclosure.
1$100,000 minimum balance required to obtain the advertised annual percentage yield.
2Annual Percentage Yield (APY) is accurate as of {current-date}. Rate is variable, may change after the account is opened, and is subject to change.
Traditional & IRA Savings Certificates
Learn moreRates valid on {current-date}.
Term - $1,000 Min. Balance to earn APY
APY¹
Dividend Rate
Term - $1,000 Min. Balance to earn APY
6 Months
APY¹
4.50%
Dividend Rate
4.41%
6 Months
4.50%
4.41%
Term - $1,000 Min. Balance to earn APY
1 Year
APY¹
4.00%
Dividend Rate
3.93%
1 Year
4.00%
3.93%
Term - $1,000 Min. Balance to earn APY
18 Months
APY¹
4.00%
Dividend Rate
3.93%
18 Months
4.00%
3.93%
Term - $1,000 Min. Balance to earn APY
2 Years
APY¹
3.85%
Dividend Rate
3.78%
2 Years
3.85%
3.78%
Term - $1,000 Min. Balance to earn APY
3 Years
APY¹
3.65%
Dividend Rate
3.59%
3 Years
3.65%
3.59%
Term - $1,000 Min. Balance to earn APY
4 Years
APY¹
3.65%
Dividend Rate
3.59%
4 Years
3.65%
3.59%
Term - $1,000 Min. Balance to earn APY
5 Years
APY¹
3.65%
Dividend Rate
3.59%
5 Years
3.65%
3.59%
Disclosures
1Annual Percentage Yield (APY) is accurate as of {current-date}. Interest rates and APYs are fixed for the term of the certificate and are determined by the length of the term. Dividends are credited and compounded monthly on the last day of the month. Early withdrawal penalties may apply. Fees could reduce the earnings on the account. For complete account terms and conditions, refer to our Statements of Terms, Conditions and Disclosures.
Annual Percentage Yield (APY) is accurate as of {current-date}. Rates are subject to change without notice. Visit our rates page for additional rate information and details. The disclosed APY is the prospective yield that Desert Financial anticipates paying for the applicable certificate term. Once opened the APY will remain fixed until maturity. The dividend distribution method you select may affect certificate earnings. Early withdrawal penalties apply to withdrawals made to the principal balance prior to maturity. In the event an early withdrawal lowers the certificate balance below the required minimum, the certificate must be closed, and the penalty will be calculated using the full balance prior to withdrawal.
Jumbo Savings Certificates
Learn moreRates valid on {current-date}.
Term - $100,000 Min. Balance to earn APY
APY¹
Dividend Rate
Term - $100,000 Min. Balance to earn APY
6 Months
APY¹
4.55%
Dividend Rate
4.46%
6 Months
4.55%
4.46%
Term - $100,000 Min. Balance to earn APY
1 Year
APY¹
4.05%
Dividend Rate
3.98%
1 Year
4.05%
3.98%
Term - $100,000 Min. Balance to earn APY
18 Months
APY¹
4.05%
Dividend Rate
3.98%
18 Months
4.05%
3.98%
Term - $100,000 Min. Balance to earn APY
2 Years
APY¹
3.90%
Dividend Rate
3.83%
2 Years
3.90%
3.83%
Term - $100,000 Min. Balance to earn APY
3 Years
APY¹
3.70%
Dividend Rate
3.64%
3 Years
3.70%
3.64%
Term - $100,000 Min. Balance to earn APY
4 Years
APY¹
3.70%
Dividend Rate
3.64%
4 Years
3.70%
3.64%
Term - $100,000 Min. Balance to earn APY
5 Years
APY¹
3.70%
Dividend Rate
3.64%
5 Years
3.70%
3.64%
Disclosures
1
Annual Percentage Yield (APY) is accurate as of {current-date}. Interest rates and APYs are fixed for the term of the certificate and are determined by the length of the term. Dividends are credited and compounded monthly on the last day of the month. Early withdrawal penalties may apply. Fees could reduce the earnings on the account. For complete account terms and conditions, refer to our Statements of Terms, Conditions and Disclosures.
College Savings Certificate
Learn moreRates valid on {current-date}.
TERM - $1,000 MIN. BALANCE TO EARN APY
APY¹
Dividend Rate
TERM - $1,000 MIN. BALANCE TO EARN APY
1 Year
APY¹
4.05%
Dividend Rate
3.98%
1 Year
4.05%
3.98%
Disclosures
1
Annual Percentage Yield (APY) is accurate as of {current-date}. Interest rate and APY is fixed for the term of the certificate. Dividends are credited and compounded monthly on the last day of the month. Early withdrawal penalties may apply. Fees could reduce the earnings on the account. For complete account terms and conditions, refer to our Statements of Terms, Conditions and Disclosures.