What is the routing number for desert financial credit union? Desert Schools Federal Credit Union Routing Number. 122187238 routing number is a 9-digit number designed and assigned to Desert Schools Federal Credit Union by The American Bankers Association (ABA) to identify the financial institution upon which a payment was drawn.What financial services do credit unions offer? Credit union A not-for-profit institution that is operated as a cooperative and offers financial services such as low-interest loans to its members. A non-profit cooperative organization that offers many of the same services as a bank. Specifically, credit unions offer checking accounts, savings accounts, and some loans.Do credit unions offer loans? Credit unions are owned by their members — not shareholders — and any profits they make go back to the members. Because of that, credit unions can offer lower costs on other products, too, including mortgages, home equity loans, unsecured personal loans and credit cards.What is desert financial? Desert Financial is your local credit union that has your family’s best interests at heart. Federally insured by NCUA Equal Housing Lender.