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Refer-A-Friend Program

Spread the word about Desert Financial and you could earn an extra $100!¹

Get started now

How to refer a friend

Step 1
Click the "Refer someone" button.
Step 2
Log in to Online Banking.
Step 3
Fill out the form to send an invite to your friend.
Refer someone

How to qualify

To qualify, your friend just needs to:
Be a new member with no existing or open accounts in the last 12 months and open a Membership Savings with a minimum balance requirement of $25 and a Free Checking account.²
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Receive at least one direct deposit into a new checking account within 90 days. 
Perform at least 30 posted checking account transactions within 90 days. 

The more the moneyer! 

You can refer multiple friends and potentially earn $100 for each friend you help join Arizona’s most trusted credit union! 

Log in to Online Banking to refer online in just a few minutes! Or print a referral form and follow the instructions to have your friend complete the process in a branch.  

Refer online    |    Print the form

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Offer Requirements: New Member (Friend) must either open accounts online by following the promotional link within the referral email sent by the Referring Member, mention this promotion at the time of account opening over the phone or present a completed Refer-A-Friend Referral Form at the time of account opening in branch to be eligible. Referring Member and Friend cannot begin credit union membership on the same day.


New Member Promotion Eligibility: Offer available only to new Desert Financial Credit Union (DFCU) members who are 18 years of age or older, have a valid U.S. Taxpayer Identification number or Social Security Number and meet DFCU’s membership eligibility and credit qualification requirements. See our Statements of Terms, Conditions & Disclosures for further information regarding membership eligibility and account details. Existing primary account owners or primary account owners who have closed their membership within the past 12 months and existing Joint account owners of an open checking or savings share are ineligible to receive promotional Refer-A-Friend bonus. Employees of DFCU, its subsidiaries, affiliates, or agencies and their immediate family (including spouse, parents, siblings, children, grandparents or grandchildren) are not eligible. Offer valid for a limited time, cannot be combined with any other account opening offer and is subject to change.


Bonus Eligibility: New Member and Referring Member must meet the following requirements to receive cash bonus. New Member: Must open a Membership Savings with a minimum balance requirement of $25 and a checking account in addition to meeting the following two requirements within the first 90 calendar days of account opening – 1) Have a minimum of 30 transactions (not including fees assessed by DFCU) posted to the new checking account and 2) Establish and receive a direct deposit. New accounts must be open and cannot be delinquent by more than 30 days at time of bonus payment. Referring Member: Must be at least 18 years of age at time of referral and must be the primary owner of an open and active Membership Savings, opened prior to the account opening date of the New Member account. Bonuses will be deposited into the New Members qualifying checking account and the Referring Members Membership Savings account no later than 10 business days in the month following the end of the first 90-day period if qualifications are met. Cash bonus earned is subject to all applicable taxes, is the responsibility of the member and will be reported on IRS Form 1099-INT.



Checking is free; however, fees for overdraft or additional services may apply. See Fee Schedule. Membership eligibility required. For complete account terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures.

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