We believe that every child should have a good home. An added benefit of your membership in Deseret First is available financing for adoptions through LDS Family Services.


  • Low fixed interest rate of 8.90% APR, regardless of credit score.
  • No loan origination or processing fees.
  • No prepayment fees.
  • Loan terms for 24 months, but spread out over 60 months to keep payments low.
  • Local approval and decision making.
  • Funds sent directly to LDS Famiily Services.


  • Membership and eligibility.
  • Income verification.
  • Credit approval.
  • Approval letter from LDS Family Services.
For questions or to apply, call 801-456-7000 or 1-800-326-3328, M-F, 9 am-5:30 pm or visit a Deseret First Branch.
Learn more about adoptions through LDS Family Services
apply now 

For example, a 24 month loan, amortized for 60 months, at 10% would require 24 payments of $21.33 per $1,000.00 borrowed. Rates quoted as annual percentage yield. Rates as low as. 

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