Seamless Banking. Shared Values. Nationwide.
Even if you’re miles from a branch, you can still belong. Open and manage your accounts online, access 30,000+ surcharge-free ATMs, and bank through more than 5,600 shared branches nationwide—all with the service and support you expect from Deseret First.
Why Members Nationwide Choose Deseret First
Membership with DFCU offers more than convenient banking. It connects you to a member-owned credit union built around service, shared values, and financial confidence—wherever life takes you.
Shared Values
We understand your why—family, service, and community—because it’s ours too.
Trusted for Generations
Serving members for 70 years with confidence and care.
Modern Access
Mobile banking, remote account opening, and fintech-level tools.
Nationwide Network
30,000+ ATMs and 5,600 shared branches across the U.S.
Out‑of‑State Membership, Simplified.
Check Eligibility
If you're part of the Church community (or immediate family), you qualify—no matter where you live.
Fund Your $5 Share
Open your membership savings online in minutes.
Build Your Membership
Enjoy the same great rates, digital tools, and loyalty benefits that grow with you—wherever life takes you.
Grow Your Savings With Confidence.
Terms from 3 to 60 months
APYs up to 4.25%* on 12-month terms
Open and fund entirely online via ACH or wire
Dividends paid monthly and transferable to any U.S. account
Fuel Your Mission, Wherever You Serve.
Preparing to serve a mission? Our Mission Savings Account earns 4.15% APY* nationwide, has no monthly fee, and reimburses up to $25/month in international ATM fees while you serve.
Grow Your Savings Without Giving Up Access.
Tiered, market-leading dividend rates
No minimum balance to maintain APY
Unlimited withdrawals via online transfer, shared branch, or CO-OP ATM
A smart home for your emergency fund or large cash reserves
Nationwide Membership FAQs
You’re eligible if you are a member or employee of The Church of Jesus Christ of Latter-day Saints, immediate family of a current DFCU member, employee of DFCU, or part of an employer group we serve.
Yes. Head to the online member application page at application.dfcu.com/. You can get approved and sign for your account with an e-signature entirely over the secure network.
DFCU partners with CO-OP Financial Services to provide members access to 5,600 credit union branches across the United States. As a DFCU member, you get surcharge-free access at participating CO-OP branches and nearly 30,000 ATMs nationwide, putting you in the 2nd largest financial network in the country.
Your membership moves with you. Everything can be managed online.
Wherever You Live, You Belong With Us.
Join thousands of members nationwide who share your why and trust Deseret First to show how.
Become a Member
Save More, Stress Less
Earn Top Rates with Our High-Yield Savings—No Fees, No Fuss.
APY = Annual Percentage Yield. Rates effective today and subject to change. Certificate early-withdrawal penalties may apply. Membership and eligibility required.