Deseret First Credit Union

West Valley Cit, Utah
Last verified: August 3, 2026
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Verified rate book

Current Deseret First Credit Union rates

62 published offers verified as of August 3, 2026.

How we verify rates

Mortgage rates

7 offers
Deseret First Credit Union mortgage rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
10-Year Fixed10 year fixed6.331% APR5.740%—Standard
Construction Loanother6.620% APR6.620%—Standard
5-Year 2nd Mortgageother7.000% APR7.000%—Standard
10-Year 2nd Mortgageother7.500% APR7.500%—Standard
6-Year Balloon 2nd Mortgageother7.500% APR7.500%—Standard
Lot Loan 3-year Balloonother7.750% APR7.750%—Standard
Lot Loan 5-year Balloonother8.000% APR8.000%—Standard

Auto & vehicle rates

6 offers
Deseret First Credit Union auto & vehicle rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Personal Watercraftboat_any_84mo7.990% APR7.990%84 moStandard
Snowmobilespowersports_any_84mo7.990% APR7.990%84 moStandard
84-Month Motorcycle Loanmotorcycle_any_84mo7.990% APR7.990%84 moStandard
Camper Trailersrv_any_180mo8.490% APR8.490%180 moStandard
Side-by-sidespowersports_any_180mo8.490% APR8.490%180 moStandard
180-Month Boat Loanboat_any_180mo8.490% APR8.490%180 moStandard

HELOC rates

1 offer
Deseret First Credit Union heloc rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
HELOC (Variable)heloc_variable6.750% APR6.750%—Standard

Personal loan rates

2 offers
Deseret First Credit Union personal loan rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Personal Line of Creditploc_variable10.900% APR10.900%—Standard
Business Signatureother18.000% APR18.000%—Standard

Credit card rates

4 offers
Deseret First Credit Union credit card rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Platinum Credit Cardcredit_card_platinum8.900% APR8.900%—Standard
Visa Platinum Rewardscredit_card_rewards10.900% APR10.900%—Standard
Visa Signaturecredit_card_platinum17.900% APR17.900%—Standard
First Choice Platinum Rewardsother0.500% APR0.500%—Standard

Savings & CD rates

39 offers
Deseret First Credit Union savings & cd rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Regular & IRA Certificateira_cd_3mo0.05% APY0.05%3 moStandard
Mission Savings Fundsavings0.05% APY0.05%—Standard
Regular Certificateshare_certificate_3mo0.05% APY0.05%3 moStandard
Youth Cents Savingssavings0.05% APY0.05%—Standard
IRAira0.20% APY0.20%—Standard
Platinum Savingssavings0.25% APY0.25%—Standard
Money Marketmoney_market0.25% APY0.25%—Standard
Money Marketmoney_market0.25% APY0.25%—Standard
Savingssavings1.09% APY1.09%—Standard
Platinum Savingssavings1.10% APY1.09%—Standard
Money Marketmoney_market1.10% APY1.09%—Standard
Savingssavings1.98% APY1.98%—Standard
Platinum Savingssavings2.00% APY1.98%—Standard
Money Marketmoney_market2.00% APY1.98%—Standard
Savingssavings2.57% APY2.57%—Standard
Money Marketmoney_market2.60% APY2.57%—Standard
Platinum Savingssavings2.60% APY2.57%—Standard
Platinum Savingssavings3.35% APY3.30%—Standard
Money Marketmoney_market3.35% APY3.30%—Standard
Money Marketmoney_market3.45% APY3.40%—Standard
Platinum Savingssavings3.45% APY3.40%—Standard
Platinum Savingssavings3.85% APY3.78%—Standard
Jumbo Certificateshare_certificate_60mo3.87% APY3.87%60 moStandard
Regular Certificateshare_certificate_6mo3.90% APY3.83%6 moStandard
Jumbo & IRA Jumbo Certificateira_cd_6mo3.90% APY3.83%6 moStandard
Jumbo Certificateshare_certificate_6mo3.92% APY3.92%6 moStandard
Jumbo & IRA Jumbo Certificateira_cd_12mo3.95% APY3.87%12 moStandard
Regular Certificateshare_certificate_12mo3.95% APY3.87%12 moStandard
Jumbo Certificateshare_certificate_24mo3.97% APY3.97%24 moStandard
Jumbo & IRA Jumbo Certificateira_cd_36mo4.00% APY3.92%36 moStandard
Mission Savingssavings4.00% APY4.00%—Standard
Regular Certificateshare_certificate_36mo4.00% APY3.92%36 moStandard
Jumbo Certificateshare_certificate_48mo4.00% APY4.00%48 moStandard
Regular Certificateshare_certificate_48mo4.05% APY4.05%48 moStandard
Regular Certificateshare_certificate_60mo4.05% APY3.97%60 moStandard
Jumbo & IRA Jumbo Certificateira_cd_60mo4.05% APY3.97%60 moStandard
Regular Certificateshare_certificate_24mo4.10% APY4.02%24 moStandard
Jumbo & IRA Jumbo Certificateira_cd_24mo4.10% APY4.02%24 moStandard
Jumbo Certificateshare_certificate_36mo4.10% APY4.10%36 moStandard

Other rates

3 offers
Deseret First Credit Union other rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
First Choice Interestother0.500% %0.500%—Standard
First Choice Platinumother1.000% %1.000%—Standard
Business Platinumother16.850% %16.850%—Standard

As of August 3, 2026, Deseret First Credit Union offers a 10-year fixed mortgage at 6.331% APR. Vehicle loans available from 7.99% APR for 84 months. HELOC rates from 6.75% APR. Personal loan rates from 10.9% APR. Credit card rates from 8.9% APR. Savings and certificate yields up to 4.10% APY.

Source: RateAPI.dev, verified from Deseret First Credit Union's official website

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About Deseret First Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
87.5K
Assets
$1.3B
Founded
1955
Locations reported
12
NCUA charter
24708
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial education
  • First-time homebuyer program
  • Payday Alternative Loans I
  • Payday Alternative Loans II

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

America FirstWest Valley 4100 · West Valley · UT · 84120Branch in the same ZIPB&vFiserv · Salt Lake City · UT · 84120-8205Branch in the same ZIPButte CommunityFiserv · Salt Lake City · UT · 84120-8207Branch in the same ZIPChartwayWest Valley · Salt Lake City · UT · 84120Branch in the same ZIPCumberland Municipal EmployeesLocation of Vital records · Salt Lake City · UT · 84120-8207Branch in the same ZIPCyprusWest Valley (5600 W) · West Valley · UT · 84120Branch in the same ZIP

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Deseret First Credit Union

Membership eligibility from Deseret First Credit Union's own published criteria. How we verify this.

Membership via employers (The Church of Jesus Christ of Latter-day Saints +22 more) or occupations (member of The Church of Jesus Christ of Latter-day Saints)

  • EmployerThe Church of Jesus Christ of Latter-day Saints, Ag Reserves, Beneficial Life Insurance Company, Bonneville Communications, Bonneville International Corporation, Brigham Young University, City Creek Reserve, Deseret Book Company, Deseret Digital Media, Deseret Management Corporation (DMC), Deseret Mutual Benefit Administrators (DMBA), Deseret News, Ensign College, Farmland Reserve, Intermountain Health, Kirton McConkie, KSL TV and Radio, Lakeview Hospital, Property Reserve, South Davis Community Hospital, Suburban Land Reserve, Temple Square Hospitality, Utah Property Management Associates (UPMA)
  • Occupationmember of The Church of Jesus Christ of Latter-day Saints

Verified from Deseret First Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does Deseret First Credit Union offer?

Deseret First Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 3, 2026 directly from the credit union's official website.

How often are Deseret First Credit Union rates updated?

RateAPI verifies Deseret First Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 3, 2026.

Where does RateAPI get Deseret First Credit Union's rate data?

Rate data is collected directly from Deseret First Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Deseret First Credit Union's mortgage rate?

As of August 3, 2026, Deseret First Credit Union offers a 10-year fixed mortgage at 6.331% APR.

What are Deseret First Credit Union's rv, boat, motorcycle & powersports loan rates?

As of August 3, 2026, Deseret First Credit Union offers vehicle loans from 7.99% APR.

What is Deseret First Credit Union's HELOC rate?

As of August 3, 2026, Deseret First Credit Union offers home equity lines of credit from 6.75% APR.

What is Deseret First Credit Union's personal loan rate?

As of August 3, 2026, Deseret First Credit Union offers personal loans from 10.9% APR.

What is Deseret First Credit Union's best CD rate?

As of August 3, 2026, Deseret First Credit Union offers savings and certificate (CD) yields up to 4.10% APY.

Related Rate Data

Compare Deseret First Credit Union's rates against national credit-union benchmarks.

More Utah credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

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# Get rates for Deseret First Credit Union
curl "https://api.rateapi.dev/credit-unions/utah/deseret-first" \
  -H "Authorization: Bearer YOUR_API_KEY"
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