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Not all credit cards are created equal. The Desert Rivers Credit Union VISA Platinum with Rewards was designed for People…People who are going places and living life to the fullest.

DRCU Benefits

  • No Annual Fee
  • Platinum Card with Rewards
  • ScoreCard® Reward can be used for Travel or Merchandise
  • 25 day grace period
  • As low as 9.49% APR

VISA with Rewards

Get more information at

You can look up your VISA ScoreCard Rewards here.

Contact Us

You can contact us 24 hours/day regarding a lost card or fraud. See phone numbers.

Important Notice Regarding Your VISA Card

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When you buy a car, it has to be right for you. Right for where you live. Right for the weather you’ll be driving in. Right for the passengers you’ll haul. When you find that perfect car it’s not hard to find the perfect loan.

DRCU Benefits

  • Flexible terms up to 120 months.
  • Great rates for all no matter your credit score.
  • Skip up to one payment per year.
Rearview mirror of a black car traveling down a highway with a 120 month term loan from Desert Rivers Credit Union.

The Right Term for the Right Car is Sometimes 120 Months

DRCU can do that!

Compare a $40,000 loan for a member with A+ credit (740 Credit Score) below:

60 month term



84 month term



120 month term



Limited Time Offer

We are now offering Auto Loans with terms up to 120 months with the following guidelines.

Minimum Loan Amount

  • 108 months – $30,000
  • 120 months – $40,000

Minimum Credit Score of 660, Vehicles -4 years old or newer.

See Rates

Call one of our Loan Officers for current rates and details.

(Some restrictions apply. On approved credit).

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You work hard all week so you can take your friends and family out on the weekend and have some fun. We have a loan for that!

DRCU Benefits

  • Flexible terms up to 120 months.
  • Great rates for all no matter your credit score.
  • Skip up to one payment per year.
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Coming home to a modern kitchen, a nice deck and a remodeled garage will help your day at work pass a little smoother.

Don’t wait until it’s time to sell your home to fix it up. Live life well now and at the same time increase the value of your biggest asset by keeping it updated and nice!

A Home Equity Line of Credit is the perfect loan for your next home project. Really, a Home Equity Loan can be used for any worthwhile purchase. e.g. dream vacation, luxury vehicle, funding your child’s wedding or education.

DRCU Benefits

  • Low closing costs
  • Don’t pay interest until you need the money
  • Low variable interest rate
  • Keep your payment low or make larger payments to pay off your loan quickly. It all depends on your goals.
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Living in the right home and the right area can make a positive difference in the life of your family. Talk to a Mortgage Loan Officer to get started.

DRCU Benefits

  • Terms up to 360 months
  • Save on closing costs
  • Flexiblitly on short term home loans

Contact a loan officer today or request a

Mortgage Rate Quote

Start the Mortgage Loan Process

After you talk to a loan officer please select your Loan Officer  below and start the process through “Floify.”

Complete the following “Floify” application for Melissa.

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Complete the following “Floify” application for Mikala.

Mortgage Loan Rate Quote

Request a Mortgage Rate Quote

Enter Email
Confirm Email
Enter $ amount. e.g. 200,000. Do not enter $
What loan term do you want? *
Enter $ amount. e.g. 300,000. Do not enter $.
Enter number, e.g. 25000. Do not enter $
Enter $ amount. e.g. 5000. Do not enter $.
Enter number. e.g 725
Street Address
Building/Apartment/Suite #

Final Acknowledgement

By signing this Mortgage Loan Rate Quote Request, I/we give permission to contact me with information regarding this request. I/we understand that this is not a loan commitment as defined by Regulation Z.


Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

More information.

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Desert Rivers Credit Union is an Equal Housing Lender.

More information