Deseret First Credit Union

Overview / Commentary
3999 W Parkway Blvd
West Valley City, UT 84120

Deseret First Credit Union is headquartered in West Valley City and is the 8th largest credit union in the state of Utah. It is also the 444th largest credit union in the nation. It was established in 1955 and as of June of 2021, it had grown to 191 employees and 72,298 members at 11 locations. Deseret First Credit Union has an A health rating.

Field of Membership Restrictions

Membership to Deseret First Credit Union 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. (Membership requirements are listed in the credit union's online application)
See current membership details

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: |

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: |

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 Grade Components

NCUA #24708
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD1.01%
Return on Equity - YTD14.68%
Annual Interest Income$14.0MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$891.0MM$793.4MM
LoansQ2 2021vs Q2 2020$702.0MM$582.3MM
DepositsQ2 2021vs Q2 2020$815.1MM$729.3MM
Equity CapitalQ2 2021vs Q2 2020$62.4MM$54.5MM
Loan Loss AllowanceQ2 2021vs Q2 2020$3.5MM$4.2MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$1.4MM$1.9MM
Real Estate OwnedQ2 2021vs Q2 2020$0$0
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Always verify rates and promotions with the bank or credit union. We are not Deseret First Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Deseret First Credit Union Savings Account Rates

0.30%*-$15kMission Savings w/Loyalty
OTHER TIERS: 0.05% $15k+
0.20%--IRA Savings
0.05%$30-Membership Savings
0.05%--Special Savings
0.05%--Mission Savings Fund
0.05%--Business Membership Savings
0.05%--Business Special Savings

Deseret First Credit Union Money Market Rates

0.10%*$100k*-Jumbo Money Market Account - Loyalty
OTHER TIERS: 0.05% Up to $100k
0.10%*$20k*-Regular Money Market Account - Loyalty
OTHER TIERS: 0.05% Up to $20k
0.05%--Regular Money Market Account - Standard
0.05%--Jumbo Money Market Account - Standard
0.05%--Business Jumbo Money Market Account
0.05%--Business Money Market Account

Deseret First Credit Union Checking Account Rates

1.00%*-$10kFirst Choice Platinum
OTHER TIERS: 0.05% $10k+
0.50%*-$10kFirst Choice Interest
OTHER TIERS: 0.05% $10k+
0.50%*-$10kFirst Choice Platinum Rewards
OTHER TIERS: 0.05% $10k+

Deseret First Credit Union CD Rates

0.65%$500$75k60 Month Loyalty Share Certificate
0.65%$75k-60 Month Jumbo Loyalty Share Certificate
0.55%$500$75k48-59 Month Loyalty Share Certificate
0.55%$75k-48-59 Month Jumbo Loyalty Share Certificate
0.45%$500$75k36-47 Month Loyalty Share Certificate
0.45%$75k-36-47 Month Jumbo Loyalty Share Certificate
0.35%$500$75k60 Month Standard Share Certificate
0.35%$500$75k24-35 Month Loyalty Share Certificate
0.35%$75k-60 Month Jumbo Standard Share Certificate
0.35%$75k-24-35 Month Jumbo Loyalty Share Certificate
0.35%$75k-Business Jumbo 60 Month Share Certificate
0.35%$500-Business 60 Month Share Certificate
0.25%$500$75k48-59 Month Standard Share Certificate
0.25%$500$75k12-23 Month Loyalty Share Certificate
0.25%$75k-48-59 Month Jumbo Standard Share Certificate
0.25%$75k-12-23 Month Jumbo Loyalty Share Certificate
0.25%$75k-Business Jumbo 48 - 59 Month Share Certificate
0.25%$500-Business 48 - 59 Month Share Certificate
0.15%$500$75k36-47 Month Standard Share Certificate
0.15%$500$75k6-11 Month Loyalty Share Certificate
0.15%$75k-36-47 Month Jumbo Standard Share Certificate
0.15%$75k-6-11 Month Jumbo Loyalty Share Certificate
0.15%$75k-Business Jumbo 36 - 47 Month Share Certificate
0.15%$500-Business 36 - 47 Month Share Certificate
0.10%$500$75k24-35 Month Standard Share Certificate
0.10%$75k-24-35 Month Jumbo Standard Share Certificate
0.10%$75k-Business Jumbo 24 - 35 Month Share Certificate
0.10%$500-Business 24 - 35 Month Share Certificate
0.05%$500$75k3-5 Month Standard Share Certificate
0.05%$500$75k6-11 Month Standard Share Certificate
0.05%$500$75k12-23 Month Standard Share Certificate
0.05%$500$75k3-5 Month Loyalty Share Certificate
0.05%$75k-6-11 Month Jumbo Standard Share Certificate
0.05%$75k-12-23 Month Jumbo Standard Share Certificate
0.05%$75k-Business Jumbo 6 - 11 Month Share Certificate
0.05%$75k-Business Jumbo 12 - 23 Month Share Certificate
0.05%$500-Business 3 - 5 Month Share Certificate
0.05%$500-Business 6 - 11 Month Share Certificate
0.05%$500-Business 12 - 23 Month Share Certificate

Deseret First Credit Union IRA Rates

0.65%$500$75k60+ Month Loyalty IRA
0.65%$75k-60+ Month Jumbo Loyalty IRA
0.55%$500$75k48-59 Month Loyalty IRA
0.55%$75k-48-59 Month Jumbo Loyalty IRA
0.45%$500$75k36-47 Month Loyalty IRA
0.45%$75k-36-47 Month Jumbo Loyalty IRA
0.35%$500$75k24-35 Month Loyalty IRA
0.35%$75k-24-35 Month Jumbo Loyalty IRA
0.35%$500$75k60+ Month Standard IRA
0.35%$75k-60+ Month Jumbo Standard IRA
0.25%$500$75k12-23 Month Loyalty IRA
0.25%$75k-12-23 Month Jumbo Loyalty IRA
0.25%$500$75k48-59 Month Standard IRA
0.25%$75k-48-59 Month Jumbo Standard IRA
0.15%$500$75k6-11 Month Loyalty IRA
0.15%$75k-6-11 Month Jumbo Loyalty IRA
0.15%$500$75k36-47 Month Standard IRA
0.15%$75k-36-47 Month Jumbo Standard IRA
0.10%$500$75k24-35 Month Standard IRA
0.10%$75k-24-35 Month Jumbo Standard IRA
0.05%$500$75k6-11 Month Standard IRA
0.05%$75k-6-11 Month Jumbo Standard IRA
0.05%$500$75k12-23 Month Standard IRA
0.05%$75k-12-23 Month Jumbo Standard IRA
0.05%$500$75k3-5 Month Standard IRA
0.05%$500-3-5 Month Loyalty IRA


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