Desert Financial Credit Union Routing Number
Written by
Dawn Allcot
Edited by
Melanie Grafil
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Desert Financial Credit Union is a not-for-profit, member-owned financial institution headquartered in Arizona. The credit union was originally founded by educators in the state in 1939 to give teachers and the community a local, personalized banking experience.
Today, you can join the credit union if you live, work, attend school, volunteer or worship in one of the Arizona regions Desert Financial serves, own a business anywhere in the entire state, or have an immediate family member who qualifies for membership. Employees of Desert Financial are also welcome to join the credit union, of course.
What Is The Desert Financial Routing Number?
The Desert Financial Credit Union routing number is 122187238.
How To Find the Desert Financial Credit Union Routing Number
Desert Financial makes it easy to find the credit union’s routing number. It is located on the blue footer that appears on every page of the Desert Financial website, in the bottom right corner directly above the phone numbers you would call for account management or customer service.
Desert Financial also lists its routing number in the Knowledge Center on their website.
You can also find the DFCU routing number in the bottom left corner of Desert Financial checks, as with any bank. Â
Desert Financial Accounts
Desert Financial offers a free checking account with no hidden fees and no minimum balance requirements. Members gain surcharge-free access to more than 30,000 ATMs nationwide that are part of the CO-OP network.
Desert also offers three savings accounts, a jumbo money market account with an APY as high as with a minimum daily balance of $2,000, and share certificates and IRAs to help members achieve their long- and short-term savings goals.
When you open an account with Desert Financial, you’ll need to know your routing number to establish direct deposit, set up automatic bill pay and transfer the funds in your prior bank account to Desert Financial.
What Is a Routing Number?
A routing number is a nine-digit number used to identify a financial institution or a collection of branches within a financial institution in the U.S. Larger banks may have more than one routing number for different states or regions, but most banks and credit unions use only one routing number for all their customers.
A routing number ensures that transactions are routed properly when the bank or credit union sends or receives money. Routing numbers can eliminate confusion when banks have similar names. For instance, Desert Financial Credit Union in Arizona shares the same acronym as Dearborn Federal Credit Union, or DFCU Financial, in Michigan. Routing numbers can help differentiate these two credit unions. Â
Routing numbers may also be referred to as ABA routing numbers or routing transit numbers. All routing numbers begin with a zero, 1, 2 or 3. Â
DFCU Financial vs. Desert Financial Routing Numbers
Routing numbers clearly designate a specific financial institution, even if the names are similar. The world of finance is one of acronyms and credit unions, especially, often share the same acronym even though they operate in different regions.
Dearborn Federal Credit Union, often known as DFCU Financial, has an acronym that’s similar to Desert Financial Credit Union. DFCU most frequently refers to DFCU Financial, or Dearborn Federal Credit Union. DFCU launched in 1950 in Dearborn, Michigan, as Ford Engineering Employees Credit Union, initially to serve Ford employees. Today, DFCU Financial has branches in Detroit, Ann Arbor, Grand Rapids, and Lansing, Michigan, as well as Tampa Bay, Florida.
Meanwhile, Desert Financial is open to residents, workers, and business owners in Arizona.
The routing number for DFCU Financial in Michigan is 072486791. You can find the DFCU Financial routing number at the top of the credit union’s website, right next to the icon to make an in-person appointment at a DFCU branch. You can also find it in the bottom left corner of DFCU Financial checks, just before the account number.
Final Take
Desert Financial Credit Union is a not-for-profit financial institution serving many counties in Arizona. It launched as an educators’ credit union in 1930 and has grown to include 53 branches across Arizona, in cities like Scottsdale, Tempe, Phoenix, Mesa and Flagstaff. You can also open an account online and bank via mobile or online banking services.
When you open an account at Desert Financial, you’ll want to know the credit union’s unique routing number, which is used to initiate transactions like direct deposit and automatic bill pay through third parties, like your utility companies.
Desert Financial Credit Union FAQ
Find out what people are asking about Desert Financial Credit Union routing numbers.- What routing number is 122187238?
- The routing number 122187238 is the number for Desert Financial Credit Union, based in Arizona.
- What is the routing number for DFCU?
- DFCU most frequently refers to DFCU Financial, or Dearborn Federal Credit Union, a credit union launched in Dearborn, Michigan. The DFCU Financial routing number is 072486791. Desert Financial Credit Union is also sometimes called DFCU. The routing number for Desert Financial in Arizona is 122187238.
- How to link an external account to Desert Financial Credit Union?
- If you have checking and savings accounts at Desert Financial, you may also have other accounts at other financial institutions. You can link them easily through Desert Financial's online banking or mobile app. First, login, then choose, "Transfers." Select "Add Account." You may be asked for the routing and account numbers for the account you want to link.
- How do I contact Desert Financial?
- Desert Financial provides several ways to contact the credit union. You can use mobile banking by sending a text message to 99321. You should expect to receive a response within one minute. You can also reach out to the Member Engagement Center by calling 602-433-7000.
- What is the routing number for DFCU checking account?
- Routing numbers for checking accounts and direct deposits are often the same. DFCU Financial in Dearborn, Michigan, uses the same routing number for both types of transactions. The DFCU Financial routing number is 072486791. Desert Financial Credit Union, which also goes by the acronym of DFCU, uses the routing number 122187238 for paper check and electronic transactions.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Jan. 10, 2025.
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