Home Loans

Let us help with your most important investment!

One of the most important investment decisions you will make is owning a home. With today's market conditions, there's never been a better time to buy. Rates are still at historic lows and most sellers are motivated.

Whether you're a first-time home buyer or a seasoned veteran looking to refinance, Desert Rivers Credit Union has the right mortgage loan for you. Our mortgage programs come with competitive rates and low fees, and our Certified Mortgage Loan Officers will help you navigate the process from application to closing.

Full Suite of Loan Products

Our mortgage department has a full suite of loan products, whether you are looking for conventional or a government guarnteed loan option. We offer Fannie Mae, Freddie Mac, FHA, VA, USDA and Jumbo mortgages to name a few. We will help you find the fit that is right for you.

With the prices of homes increasing, many current homeowners are finding it's a good time to refinance their existing loans to help them achieve their goals of debt consolidation, remodeling, cash out or cost savings.
Working with an experienced mortgage broker will help to ensure that the process goes smoothly for you and that you get the best mortgage loan at the lowest possible rate.

Call Today!

Get started by calling 435-259-6124. Ask for a Mortgage Loan Officer.

Manufactured Homes

We also have some members that have purchased manufactured homes. These loans can be done for members at reasonable rates. Check our rate sheet for more information.

Home Equity Loans

Don't let your home just rest on its foundation. Make it work for you!

  • Consolidate your debt
  • Remodel your kitchen
  • Take your dream vacation

Use the equity in your home to achieve your dreams:

  • No origination fees
  • Up to 90% financing
  • See our rate sheet for more information.


Auto Loans

We're Celebrating 60 Years of Auto Loans

Can you believe it?! 60 years of great rates, good terms and excellent customer service. Now that's worth celebrating!

No one beats our auto loans!

Time for a new car? Interest rates remain exceptionally low at GCCU. In fact, you won’t find a lower rate.

Why you'll prefer a loan at Desert Rivers Credit Union:

1. Easy Process. We strive to make the loan application as simple and painless as possible. Many of our members have an answer on their loan the first time they talk with a representative.

2. Great Interest Rates. See our interest rates below and feel free to compare with our competition.

3. Flexible Terms. Even if you don’t have perfect credit, you’ll still get a great rate and terms.

4. Buy local and finance local. We work closely with our local dealers because we know the best deal for our friends and neighbors is right here in town. We’re the only locally controlled credit union and you’ll find that we take extra care of our friends and neighbors.

Call a loan officer today or fill out the online application below.

We offer the following types of loans:

  • New and used vehicle loans.
  • Recreational vehicle loans.
  • Home loans.
  • Home equity lines of credit.
  • Signature or unsecured loans.
  • Shares secured loans.
  • Personal loans.

Apply for a Loan

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I am interested in a consumer loan from Desert Rivers Credit Union, and authorize Desert Rivers Credit Union to pull a copy of my credit report. Please have someone contact me to discuss this request.

Loan Calculator

Use our loan calculator to help you determine the loan financing amount and payment options that are best for you. Fill out 3 of the 4 fields to obtain the remaining field results.

Loan Principal $
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Monthly Payment Amount


This calculator is to be used for estimation purposes only. The financial institution is not responsible for its accuracy and the results are not guaranteed.