Since credit unions are not-for-profit, you receive excellent value in the form of:

• Lower rates on loans
• Higher returns on deposits
• Lower or removed fees
• Dividends on excess income

We don't have to answer to stockholders for whom we're trying to make a profit. We answer to you, the owners. Every year, each credit union member has an equal voice in electing our volunteer Board of Directors. These volunteers are your independent representation to ensure the credit union operates in your interests. They are accessible to you and will listen to you.

Every credit union has what is called a field of membership. This is the group of people they are legally chartered to serve. This may be a corporation, a county, or other group of affiliated people. In our case it's members and employees of the Church of Jesus Christ of Latter-Day Saints and their families.

We understand that this audience has a unique set of values and we seek to operate in a way that is in line with those values.

Deseret first is NOT for profit. It's for YOU!