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Relationship Rewards

When you join Desert Financial, you’re automatically enrolled in our free Relationship Rewards program.

What's in it for me?

Depending on your Relationship Rewards level, you could get benefits including:
Cash back with Member Giveback Bonus¹
Rate discounts on consumer loans²
Discounts on wills and trusts packages³
And more than a dozen other perks!

Here's how it works:

You earn points for doing various banking activities with us – and every point can help you level up! The higher your Relationship Rewards level, the more benefits you get.
Points are calculated on the first calendar day of each month and are based on activity during the previous calendar month. (See How Do I Level Up section below.)
How do I level up?
Members receive benefits for their levels right away. Members who have enough points to reach the Rewards or Rewards+ level (2-3 points) for six months (not necessarily consecutive) in the previous calendar year are eligible for our annual Member Giveback Bonus.
Tell me more
Benefits include fee waivers, loan discounts and more (see “What Level Am I?” below for full details). The annual Member Giveback Bonus reward is paid out to eligible members in January or February of each year.
What level am I?

Member Giveback Bonus Stats



average bonus in 2024


highest bonus ever

$90 million

awarded in 7 years!

How to earn points

Earn 1 point each (up to 4 points total) for the following:
$500+ direct deposit or 25+ checking transactions monthly
$10K+ in combined investment⁴ and deposit balances
Current mortgage, home equity or auto loan
20+ years of continuous membership

What level am I?

Find your Relationship Rewards level on your account eStatements in the top left-hand corner under your name, account number and statement period. For print statements, look on the top right-hand side, under the blue box that reads “Relationship Level.”


 MemberRewards MemberRewards + Member
0-1 point2 points3+ points
Free Checking5
with no minimum balance and no monthly service fees 
Free overdraft protection transfers
Rate discount on consumer loans2


Cash back with Member Giveback Bonus1


Free custom checks


Free money order and cashier’s checks


Free stop payments


Discount on will and trust packages3


$50 off a will package

$100 off a trust package
$75 off a will package

$150 off a trust package
Non-Desert Financial ATM fee waivers


Rebates of ATM fees/surcharges by other institutions
($50 per account monthly)



Free incoming wires



How Do I Level Up?

The more transacting, saving and borrowing you do with us, the higher your chances of leveling up!

Calculate Your Rewards Level

Select all options that you have:

You are a


Use this calculator to determine your current level, as well as what your level could be. 

Did You Know?

Everyone in your household benefits from everyone’s relationship at Desert Financial. A “household” includes all Desert Financial members who reside at your address. It’s our way of expanding benefits to include your entire family. This means you can combine points! For example, if you have another person in your household and they have one Relationship Rewards point for Borrowing (a loan), and you have one point for Saving, together you have two Relationship Rewards points. But a household can only earn one point in each category (Borrowing, Saving, Transacting and Loyalty), so if you have a loan with us and someone else in your household also has a loan with us, your household will get only one point for Borrowing.

How to use the Member Giveback Bonus Simulator

Before using the simulator, check out these examples of what to include. (Only include the balances on accounts for which you are the primary owner.)

  • Average Balance: the total balance of your checking, savings, IRA and Money Market accounts.
  • Mortgage Balance: the average for the full year (only include mortgages from us that you’re the primary account holder on).
  • Loan Balance: the total balance of your auto, home equity line of credit (HELOC), personal line of credit (PLOC) and Signature Loans. Credit cards not included.
  • Total Number of Annual Debit Card Transactions: estimate how many times you use your debit card in a month and multiply that by 12. On average, our members have 240 debit card transactions a year.

Member Giveback Bonus Simulator

Potential Payout Range:
Open an account
To qualify for a payout: You must be the primary owner of a Membership Savings account and have been a Rewards or Rewards+ member for a minimum of 6 months of the calendar year for which the bonus is calculated.¹

This is based off historical data and not a guarantee of the amount you’ll receive.

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Need more details? View the Statements of Terms, Conditions and Disclosures here.

Relationship Rewards level displayed on this page is for illustrative purposes only. Actual level is contingent on product or service booked with Desert Financial or any of its subsidiaries, including Desert Financial Wealth Management, on the Evaluation date. Relationship Rewards level may change monthly. Restrictions apply. For full terms and conditions of this program, see the Statements of Terms, Conditions and Disclosures.


For further information regarding the Relationship Rewards program and eligibility of the Member Giveback Bonus, please see the Relationship Rewards Disclosure – Supplement to the Statements of Terms, Conditions and Disclosures.


Must be a Rewards or Rewards+ Member to be eligible for rate discount. Applies to new Home Equity, Titled, and other consumer loans. Discount may not be combined with any other rate discount or promotional offer unless specifically agreed to by Desert Financial.


Document preparation services are offered through Desert Financial Credit Union; an Arizona Supreme Court Certified Legal Document Preparation Business Entity (CLDP #81024). Legal document preparation services are not insured by the NCUA, have no credit union guarantee and do not provide legal advice.


Wealth Management:

Investment advisory services offered through Raymond James Financial Services Advisors, Inc.

Securities offered through Raymond James Financial Services, Inc., Member FINRA SIPC, and are not insured by credit union insurance, the NCUA, or any other government agency, are not deposits or obligations of the credit union, are not guaranteed by the credit union, and are subject to risks, including the possible loss of principal. Desert Financial Credit Union and Desert Financial Wealth Management are not registered brokers/dealers and are independent of Raymond James Financial Services. 

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.  


Raymond James Legal Disclosures | Raymond James Privacy Notice


Average balance is the average balance for all products the primary member has, not just investments. This includes savings, checking, certificates, money market accounts, IRAs, etc. The average will encompass data from the full 12 months of the calendar year, even if the member’s account has been open for six months of the year; in this instance, the average balance will be $0 for six months and for the other six months, the average balance will be the average of the accounts when they were open.


Mortgage balance is the average for the full year and includes only mortgages on which the member is primary account holder.


Loan balance includes all consumer loans on which the member is primary account holder, including auto loans, home equity lines of credit (HELOCs), personal lines of credit (PLOCs), signature loans, etc. Loan balances do not include credit cards.


Payout range is based on historical data and is meant to provide an assumption; it is not a guarantee of the exact payout amount you can receive. Members are paid out for their average, mortgage and loan balances, as well as their debit card activity. Payout ranges can change every year based on credit union performance.


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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Desert Financial does not endorse and is not responsible for the content, links, accessibility, or security of any external website. The privacy and security policies of Desert Financial do not apply to the linked website. We encourage you to review these policies upon visiting the linked site to see how they apply to you.