Personal Desert Schools Credit Card: The Best Card

A wider understanding should facilitate in the matter of proper handling of finances. And most of my relatives who reside in Maricopa, Gila, and Pinal got Personal Desert Schools Credit Card. It may also help you with having a proper credit card, not to mention recognizing if you are being scammed.

desert schools credit card

Originally named Arizona Educational Association #1 Federal Credit Union, it was rebranded to Desert Schools Credit Union in 1972. The reason for the rebranding was to define the credit union’s niche market better. In 2018, Desert Schools Credit Union was then renamed to Desert Financial Credit Union. This was done to address misconceptions that their service was exclusive to the members of the education sector.

Desert Schools Credit Union is the largest credit union in the state of Arizona. The credit union was chartered to serve the financial needs of area teachers founded in the year 1939. According to the Phoenix Business Journal, Desert Financial Credit Union is one of the biggest credit unions in the area. It had assets amounting to $4.52 billion in 2018.

It is important to note that Desert Financial serves the counties of Maricopa, Gila, and Pinal. As long as you or any relatives of yours live, work, or attend schools in these counties, you may open an account. 

Choosing the Right Credit Card for You

All types of Desert financial and personal credit cards come with essential features. Desert personal credit cards optimize the quality of service they want to give to you. These features are:

  • EMV smart chip technology to safeguard your card against fraud
  • Mobile purchasing capabilities to make it more convenient for you to manage your accounts online.

Personal Credit Card and Benefits

Below is a list of personal credit cards offered by Desert Financial Credit Union. Compare and contrast the benefits for each card and decide which one will work best for you.

Desert Financial Credit Union Benefits
Visa Signature® Real Rewards Card  ➤ Additional $75 value awarded after the first purchase as made on 30 Nov 2019

 ➤ You can have a $25 value of an award after the first purchase. This award is redeemable as a cash deposit or statement credit.

 ➤ In every eligible net purchase, you can earn 1.5 points for every $1 spent on
Premier Rewards American Express® Card ➤ Eligible restaurant and net purchases you can earn up to 4x

➤ Earn up to 3x on airline purchases

➤ Earn up to 2x on gas stations purchases

➤ Earn up to 1x on all other eligible net purchases

➤ $100 cash back after spending $1,000 in the first three months
Cash Rewards American Express® Card ➤ Earn up to 3% cashback at gas stations

➤ Earn up to 2% cashback at supermarkets

➤ Earn a 1% cashback on all other eligible net purchases

➤ $25 value awarded after first purchase, redeemable as a cash deposit or a statement credit
Visa® Platinum Card ➤ Extended introductory offer
Save on interest

➤ Pay down other credit card balances quicker
Visa Signature® College Real Rewards Card ➤ Great opportunity for starting a credit history

➤ For every $1 spent on eligible net purchases, you can earn 1.5 points monthly.

➤ Redeemable as a cash deposit or statement credit worth 25$ value reward after the first purchase.

Electronic Application for Credit Card

To apply for a Desert Financial credit card, you may visit your local Desert Financial branch to process your application. However, you may also make your credit card application electronically by following the steps below:

  1. Go to the Desert Financial Credit Union website
  2. Click “Personal” banking and click on “Credit Cards.”
  3. Click on “Credit Card” then “Card Comparison.” This will then redirect you to another page. 
  4. Look for the credit card of your choice. Click on “Apply Now”
  5. You will transfer to the electronic application form.
  6. Input your personal information on the form
  7. Review the form and accept the terms and conditions
  8. Click submit to complete your application

Checking Your Credit Card Balance

The most crucial financial responsibility of getting a credit card is staying on top of your balances. Your credit rating won’t go down as long as you do this regularly. If you want to learn more about credit cards, check out other articles in My Account Access.

This is usually done checking your physical mail or email for the monthly billing. It is highly recommended also to track your activity via online or mobile banking. This way, you may immediately spot any unfamiliar charges on your credit card. You may get more information on your credit card account by calling the telephone numbers below:

  • (866) 289-1567 for all personal credit cards except the Signature card
  • (866) 290-6832 for Signature credit cards only

Making a Payment

Payments on your credit card balances can be made in two ways – via mail and online. Electronic payments can be made via Bill Pay in Online Banking at You may also call the following telephone numbers for inquiries on how to make your payments:

  • (866) 289-1567 for all personal credit cards except the Signature card
  • (866) 290-6832 for Signature credit cards only


Getting a credit card will help you manage your finances properly. It is useful in those situations that you have to make necessary purchases and payments without cash on hand.

You should always remember, while you enjoy its benefits, balance payments should strictly be observed. This is why before you apply for a credit card, make sure you prepare for the future financial responsibilities.

We hope that through our guide, we were able to guide you through the credit card that will work best for you. If you have questions and suggestions, leave a comment below. We’ll get back to them as soon as possible.

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