Tune-up your auto loan payment by refinancing today. With rates as low as 2.84% APR² and 90 days³ to first payment, you have an opportunity for lower payments. Apply Now
EXPERIENCE THE DIFFERENCE OF MEMBERSHIP When you become a member of Desert Schools, you become an owner in a local credit union founded to serve valley residents.

We're Here for You

We'll help you find the solutions that meet your needs at every stage of life, from college to retirement.

We Serve the Valley

You don't have to be a teacher or student to join. If you live, work, worship or go to school in Maricopa, Gila or Pinal County, you're eligible for membership.

We're Local

We'll help you find the solutions that meet your needs at every stage of life, from college to retirement.

We're All About You

The day you join us, you become an owner in a financial institution that's all about you. Because we're a not-for-profit, we can do what's best for our members, not shareholders
We were founded on the belief that as a community, we can accomplish more of our financial goals when we work together. That’s why the more our members use our services, the more we’re able to give back – allowing them to achieve their goals a little faster. A little easier.

1Cash back is paid based on 1% of the total loan amount ($10,000 minimum), not including any additional loan dollars toward ancillary products (Guaranteed Asset Protection [GAP], Mechanical Breakdown Protection [MBP]). The cash back will be deposited into your Desert Schools savings account within one business day of the loan funding. Maximum cash back amount is $500. Cash back amounts are subject to all applicable taxes and are the responsibility of the member. Offer available for the refinancing of non-Desert Schools auto loans only and ends June 30, 2015.
2APR = Annual Percentage Rate. Rate shown effective April 25, 2015 and may change without notice. Actual rates and APRs depend on credit history, type of product, loan term and our underwriting criteria. All loans subject to credit approval.
3First payment may be deferred for up to 90 days from loan date. Your loan will accrue interest during that time. Some restrictions apply. 2011 or newer model years only.

In today's economy, you need to be smart with your money. Use this quiz to gauge whether you're at the head of the class or need to brush up on finance.

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After a year and more than 1 million votes, we have a winner! Check out the amazing causes featured as part of our 75th anniversary.

Arizona charity wins a $30,000 grant
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The Desert Schools Community Service Scholarship rewards students who have dedicated exceptional time and effort serving their communities and who plan to continue this dedication into the future.

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As a member of a credit union, you're an owner, not a customer. That's a significant difference.

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