Save for what matters most

A simple, secure savings account designed to help you prepare for life's plans, surprises, and opportunities.

Small habits. Strong future.

For many families, saving means peace of mind and being ready for life's unexpected moments. With the right tools and guidance, building long-term stability can feel simple and achievable.

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Savings for life's plans and surprises, too

Membership Savings

Perfect for general savings. Required to become a member.¹

Key Highlights:

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$25 opening deposit
Federally insured by the NCUA
Dividends paid monthly
No monthly service fee
Works with Round Up and Save

Become a member

Health Savings Account

If you have a high-deductible health plan, an HSA helps you prepare for medical expenses with flexibility and long-term benefits.

Key Highlights:

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No minimum balance
No monthly service fee
Funds roll over year to year
HSA Visa® debit card

Open an account

Additional Savings

Set aside money for specific goals like travel, home projects, or family milestones.

Key Highlights:

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Dividends paid monthly on your full balance
No minimum balance
No monthly service fees

Get started

Real voices, real impact

Backed by real member experiences. Showing our favorite reviews.

Small savings add up

You don’t need large amounts to make progress. With automatic transfers and Round Up and Save, you can grow your savings little by little without changing your routine.

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Earn More as You Grow

With Relationship Rewards, you earn points for everyday banking activities. As your relationship with us grows, you unlock additional benefits.

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Which savings account is right for you?

	Membership Savings	Additional Savings	Health Savings Account
Intended for	General savings. Required to become a member.	An additional account to store your savings.	Savings account for health-related expenses.
Today's rate²	{rate-token-1}% APY	{rate-token-2}% APY	{rate-token-4}% APY
Minimum daily balance requirement³	$25	None	None
Service fee	None	None	None
Works with Round Up and Save feature	✓	✓	X

You can count on us

Clear answers. No pressure. Real support.

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Desert Financial's San Tan Village branch features a modern and welcoming design, with sleek architecture, and large windows.

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Enjoy the convenience of nearly 50 branches statewide and more than 30,000+ surcharge-free ATMs in the Co-op network.

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