Review Time
I wish I could give 10 stars out of 5 stars. I had a frustrating and crazy experience many months ago. I applied for a HELOC on an investment property I own free and clear with SOFI. 1.I was not able to talk to a person over the phone. I only communicated by email. 2. The required documentation was more than any first mortgage I have applied for. Because I couldn't get answers to questions, I worked on the application for months. 3. Finally when it came time to sign paperwork, I discovered over $4k in up front costs. This is a HELOC. I gave up in frustration. A few months later, today, I called Desert Financial Credit Union. They took the whole application over the phone the same day with a live person in under an hour. ZERO! up front costs. And a lower interest rate. This is a shocking experience. It would be like having 2 gas stations on your street. One has gas for $20 a gallon and a line around the block and no humans working there. On the other side of the street is a station without lines and $3 a gallon and humans working there.
Well, Bank will be able to function much better if they don’t share network with scammers. To begin with I have no option to reply properly and I am replying in original message - need improvement, right. I received multiple security codes because I wasn’t able to log in. I don’t get paid for having you being promoted but will keep an eye on my account.Sarina Starfish
We are leaving Desert Financial Credit Union. DFCU has been with holding transactions going through my account for up to eleven day to charge over draft fees. I accidentally over pay a bill so it was going to leave us a little shorter than normal so we notified the bank and they could not help us stop the payment. We knew it would be tight but the bills are paid. I paid a bill for around $160 on 9/18/2025 and it showed it was pending on our account that day so I thought it had been paid. Every other previous month the payment took only 3 days to go through my account. This month it took 11 days and it didn’t go through our account until 9/30/2025. We also had a Walmart order on September 20th, showed up in our pending transaction immediately but then disappeared and didn’t go through our account until the 27th. My wife just called yesterday and they reversed 4 overdraft fees since the accidental payment caused us to be overdrawn $6, which created 4 overdraft fees. We got positive in our account and couldn’t even get gas before you put that $160 charge through now causing us to be overdrawn again. This seems very intentional.The way you are withholding transactions is now going to cost my family hundreds of dollars.if I could leave less stars I would. We’ve had accounts with several “big” banks like B of A and US bank and though the fees were higher they didn’t utilize these kind of tactics just to make a few dollars for a billion dollar bank that pretends to be a credit union.
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For over 85 years, Desert Financial has been Arizona’s most trusted local credit union with over $9 billion in assets, 450,000+ members and nearly 50 branches. Membership eligibility is open across Arizona with contactless solutions making it easy to click, call or come in. As a not-for-profit cooperative, Desert Financial takes pride in sharing success. In 2025, members received $16 million in dividends via the Member Giveback Bonus. Desert Financial is the official retail banking partner of Arizona State University® and the official banking partner of the Arizona Cardinals, NAU Athletics and the NAU Alumni Association. Federally insured by NCUA. Learn more at desertfinancial.com.See more
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