Featured Savings Rates
Featured Accounts

Deseret First Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.00%Reward CheckingPlatinum Rewards Account
2.00%5-year CDJumbo 60+ Month Standard Share Certificate
0.45%1-year CDJumbo 12-23 Month Standard Share Certificate

Overview / Commentary
801-456-7000
2480 S 3850 W Suite C
Salt Lake City, UT 84120

Deseret First Federal Credit Union is headquartered in Salt Lake City and is the 8th largest credit union in the state of Utah. It is also the 465th largest credit union in the nation. It was established in 1955 and as of September of 2016, it had grown to 166 employees and 58,926 members at 11 locations. Deseret First Federal Credit Union's savings rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who are members of the Church of Jesus Christ of Latter-Day Saints and their families as well as employees of the Church. Membership is also open to select companies and organizations.
See current membership details

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Reviews (4)

DFCU Members Come First

Five years with DFCU. Customer service is huge with them. They are helpful and fast at the drive up window and whenever we need to call in for anything, they are always understanding and resolve our issues quickly. DFCU has an amazing website that makes managing our account simple. Their billpay feature always us to pay curtain bills fast that can not be paid online. We never get charged fees, but when the occasional overdraft occurs, they are good about reversing it for us based on our history with them.

Change In Interest Rates For Checking

Posted by: NP | Oct 10, 2012

As of October 1 2012 the interest rate that DFCU pays on checking accounts changed. Amounts up to $10,000 receive 1% interest (which is great) but any amounts over $10,000 only receive .1%.   I pulled out my money over the $10,000 mark and put it into an ING online checking account which pays .8%.   I am better off but it seems that DFCU might lose access to funds because of this change...  

Not Customer Oriented

Posted by: gajman | Sep 19, 2016

Something has changed at this credit union. Their customer service is horrible. Their web site always has a problem and there is never a warning posted that they are having troubles you just go in and it doesn't work.

More than that, they think that you should be forced to do business with them. They offer a car loan, but are quick to say, we will match any rate. Then when you get a better rate, they are not open so they can't match the rate.

If another credit union or bank will give you a better deal than your own credit union, why would you go back to them and give them your business...there is an element of fairness here.

Overall a C- institution.

Worst Customer Service Ever

Just hope no one in my family or friends read this , they are the worst customer service now. I swear i think there system is stupid now when it comes to someone who works in the army and they are your boyfriend who is trying to come home safely but he helps you out and lets you depsot his checks it into your own bank account with his phone and he never knew the passedword or username ever , and you have been with them for 4 months and no one in your family knows about it yet and he wanted to come home so he can meet my family. expect for the stupid bank doesn't believe you at all when i know his paychecks are good and wont bounce at all and he was trying to come home so he can be add to my account too. but the person that i called today didn't give a f***** care. sorry about my langue on here. If you know anyone who has family or loved ones serving you know that there paychecks are different from anyone else and there banking is different why cant the people in the stupid banking department get that through there minds. Expressing my feelings on here. If i did it in person i would of cried and start swearing at the people. And you have been emailing his work to about him coming home for weeks. and i know he is real because hes been sending me pics from real time.



Health
B+

Health Grade Components

Overall
NCUA #24708
Year Chartered1955
Employees166
Primary Regulator
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD10.55%
Annual Interest Income$14.5MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$560.2MM$494.4MM
LoansQ3 2016vs Q3 2015$395.8MM$355.0MM
DepositsQ3 2016vs Q3 2015$515.7MM$454.7MM
Equity CapitalQ3 2016vs Q3 2015$38.7MM$34.5MM
Loan Loss AllowanceQ3 2016vs Q3 2015$3.3MM$3.6MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$3.2MM$3.0MM
Real Estate OwnedQ3 2016vs Q3 2015$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Deseret First Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.12%*-$15kMission Savings Fund
OTHER TIERS: 0.10% $15k+
1.07%*$100k*-Premier Share Certificate Account
OTHER TIERS: 0.07% Up to $1k | 0.32% $1k - $20k | 0.57% $20k - $50k | 0.82% $50k - $100k
0.20%--IRA Savings
0.20%--Roth IRA Savings
0.10%$25-Membership Savings
0.10%--Special Savings

Deseret First Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$100k*-Jumbo Money Market Account - Standard
OTHER TIERS: 0.15% Up to $100k
0.35%*$100k*-Jumbo Money Market Account - Loyalty
OTHER TIERS: 0.15% Up to $100k
0.30%*$100k*-Regular Money Market Account - Standard
OTHER TIERS: 0.05% Up to $2,500 | 0.15% $2,500 - $20k | 0.25% $20k - $100k
0.30%*$100k*-Regular Money Market Account - Loyalty
OTHER TIERS: 0.05% Up to $2,500 | 0.15% $2,500 - $20k | 0.25% $20k - $100k

Deseret First Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*-$10kPlatinum Account
OTHER TIERS: 0.10% $10k+
1.00%*-$10kFirst Choice Checking
OTHER TIERS: 0.10% $10k+
1.00%*-$10kPlatinum Rewards Account
OTHER TIERS: 0.10% $10k+

Deseret First Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$500$75k60+ Month Standard Share Certificate
2.00%$500$75k60+ Month Loyalty Share Certificate
2.00%$75k-Jumbo 60+ Month Standard Share Certificate
2.00%$75k-Jumbo 60+ Month Loyalty Share Certificate
1.25%$500$75k48-59 Month Standard Share Certificate
1.25%$500$75k48-59 Month Loyalty Share Certificate
1.25%$75k-Jumbo 48-59 Month Standard Share Certificate
1.25%$75k-Jumbo 48-59 Month Loyalty Share Certificate
0.95%$500$75k36-47 Month Standard Share Certificate
0.95%$500$75k36-47 Month Loyalty Share Certificate
0.95%$75k-Jumbo 36-47 Month Standard Share Certificate
0.95%$75k-Jumbo 36-47 Month Loyalty Share Certificate
0.70%$500$75k24-35 Month Standard Share Certificate
0.70%$500$75k24-35 Month Loyalty Share Certificate
0.70%$75k-Jumbo 24-35 Month Standard Share Certificate
0.70%$75k-Jumbo 24-35 Month Loyalty Share Certificate
0.45%$500$75k12-23 Month Standard Share Certificate
0.45%$500$75k12-23 Month Loyalty Share Certificate
0.45%$75k-Jumbo 12-23 Month Standard Share Certificate
0.45%$75k-Jumbo 12-23 Month Loyalty Share Certificate
0.35%$500$75k6-11 Month Standard Share Certificate
0.35%$500$75k6-11 Month Loyalty Share Certificate
0.35%$75k-Jumbo 6-11 Month Standard Share Certificate
0.35%$75k-Jumbo 6-11 Month Loyalty Share Certificate
0.15%$500$75k3-5 Month Standard Share Certificate
0.15%$500$75k3-5 Month Loyalty Share Certificate

Deseret First Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$500$75k60+ Month Loyalty IRA Share Certificate
2.00%$500$75k60+ Month Standard IRA Share Certificate
2.00%$75k-Jumbo 60+ Month Loyalty IRA Share Certificate
2.00%$75k-Jumbo 60+ Month Standard IRA Share Certificate
1.25%$500$75k48-59 Month Loyalty IRA Share Certificate
1.25%$500$75k48-59 Month Standard IRA Share Certificate
1.25%$75k-Jumbo 48-59 Month Loyalty IRA Share Certificate
1.25%$75k-Jumbo 48-59 Month Standard IRA Share Certificate
0.95%$500$75k36-47 Month Loyalty IRA Share Certificate
0.95%$500$75k36-47 Month Standard IRA Share Certificate
0.95%$75k-Jumbo 36-47 Month Loyalty IRA Share Certificate
0.95%$75k-Jumbo 36-47 Month Standard IRA Share Certificate
0.70%$500$75k24-35 Month Loyalty IRA Share Certificate
0.70%$500$75k24-35 Month Standard IRA Share Certificate
0.70%$75k-Jumbo 24-35 Month Loyalty IRA Share Certificate
0.70%$75k-Jumbo 24-35 Month Standard IRA Share Certificate
0.45%$500$75k12-23 Month Loyalty IRA Share Certificate
0.45%$500$75k12-23 Month Standard IRA Share Certificate
0.45%$75k-Jumbo 12-23 Month Loyalty IRA Share Certificate
0.45%$75k-Jumbo 12-23 Month Standard IRA Share Certificate
0.35%$500$75k6-11 Month Loyalty IRA Share Certificate
0.35%$500$75k6-11 Month Standard IRA Share Certificate
0.35%$75k-Jumbo 6-11 Month Loyalty IRA Share Certificate
0.35%$75k-Jumbo 6-11 Month Standard IRA Share Certificate
0.15%$500$75k3-5 Month Standard IRA Share Certificate
0.15%$500-3-5 Month Loyalty IRA Share Certificate
Locations

Deseret First Federal Credit Union has 11 locations. Click to view all Deseret First Federal Credit Union locations.