Personal Savings: Banking Built Around Your Life
At Deseret First, banking is built around people — not account numbers. With just $5, you can become a member and start building your future with a community focused on helping you move forward with confidence.
Membership Savings Account
Your Membership Savings Account is where your DFCU membership begins — giving you access to trusted financial tools, personalized support, and accounts designed around your goals.
Start with just $5 to open membership
Full access to all DFCU products and services
Free ATM access at DFCU and CO-OP locations
NCUA insured up to $250,000
Additional Accounts
Special Savings
Already have a Membership Savings Account? Now you can add an unlimited number of accounts (we call them Special Savings accounts). These are great to use for things like future financial goals, budgeting, or vacations. You can even the name the accounts so you know what funds are going into it.
Membership Eligibility
Who Can Join
Deseret First was built to serve communities connected through shared values, family, faith, and local employer partnerships.
You may qualify for membership if you:
• Are a member of The Church of Jesus Christ of Latter-day Saints
• Have an immediate family member who is a DFCU member
• Work for one of our participating employer groups
• Are a DFCU employee
Joining is easy, and our team can help confirm your eligibility in just a few minutes.
Membership Benefits
Becoming a member means more than opening an account. You gain access to:
Competitive rates
Personalized financial guidance
Digital tools that simplify banking
A community focused on helping you succeed
Our team is here to help you move forward with confidence — whether you’re saving, borrowing, or planning for what’s next.
Your Financial Future Starts With Just $5
Membership is more than an account balance—it’s belonging to a community that puts people above profit. With competitive savings options, nationwide access, and values-driven service, DFCU is where your goals find a home.
Become a Member Today
Church members and immediate family members can join the credit union.
