Desert Financial Credit Union Routing Number: Arizona Banking Guide

What is the Desert Financial Credit Union routing number?

Desert Financial Credit Union uses routing number 322172496 for all domestic ACH and direct deposit transactions. This nine-digit number identifies Desert Financial within the U.S. banking network and is required for setting up electronic payments, payroll deposits, and bank-to-bank transfers.

Desert Financial is Arizona's largest credit union, headquartered in Phoenix with more than 45 branches across the metro area. Originally chartered in 1939 to serve Salt River Project employees, it now serves over 400,000 members statewide and manages more than $8 billion in assets.

How to find your Desert Financial routing number

Your Desert Financial routing number appears at the bottom-left of your personal checks, preceding your account number and check number. You can also find it by logging into Desert Financial's online banking portal or mobile app under Account Details.

If you need the routing number for wire transfers, contact Desert Financial directly, as wires may use a different number than standard ACH transactions. Member services can confirm the correct number for your specific transfer type.

Desert Financial direct deposit and ACH

To set up direct deposit with Desert Financial, provide your employer with routing number 322172496 and your account number. Desert Financial processes ACH deposits on standard timelines, and many members see payroll credits posted on the scheduled pay date.

Desert Financial also supports outgoing ACH payments for recurring bills and loan payments. Members can initiate transfers to external accounts through online banking, typically settling within one to three business days.

Desert Financial wire transfer details

Desert Financial supports both domestic and international wire transfers for its members. Domestic wires are processed through the Fedwire system and typically arrive the same business day when initiated before the cutoff time.

Wire transfer fees vary based on whether the wire is incoming or outgoing and domestic or international. Members should verify current fees and the correct wire routing number by contacting a branch or calling member services before initiating a transfer.

Business banking with Slash vs. Desert Financial

Desert Financial offers consumer-oriented financial products well suited to Arizona residents. For businesses that need more than a local credit union can provide, Slash delivers dedicated business banking with full ACH and wire support, unlimited virtual cards, and real-time spend tracking across your team.

Slash also provides automated expense management, multi-entity account structures, and native accounting integrations — features that go beyond what most credit unions offer for business members.