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  • New Loans and Accounts: 602-433-5626
  •  Service: 602-433-7000
  •  Routing # 122187238

6 Rewards for Getting Cash Back

Success is best when it’s shared! And at Desert Financial, we share success by rewarding you and our members with Free Checking1 and a better way of banking.

What does that mean? It’s a combination of getting the modern banking experience you need plus the kindness and social responsibility you want from a credit union. Our “better way” also includes benefits like Free Checking and the opportunity to earn our annual Member Giveback Bonus, which is a part of our free Relationship Rewards program. These are some of the ways we share success with you — because we believe it’s the right thing to do! Here’s more info on the bonus, plus five ways to get even more cash back.

Getting Paid for Being a Loyal Member

Our Member Giveback Bonus2 is a cashback reward for members who have grown their relationship with us the most. Earned through our three-level Relationship Rewards program, the bonus was introduced in 2018 when we embarked on our Year of Giving — and the dollar amount we’ve given back has grown every year since.

MGB Logo

From 2018-2022, we’ve given back $54 million in annual cashback bonuses to our members!

How to Get Your Cash Bonus

Members who have the strongest relationship with us get the best results! This means that the MORE you do with us, the MORE points you earn to achieve a higher rewards level:

  1. Member Benefits: 0–1 points
  2. Rewards Member: 2 points (congrats, you qualify for the bonus!)
  3. Rewards+ Member: 3 points (congrats, you qualify for the bonus!)

Now, you may be asking, how much will I get back? The amount each member receives is calculated based on deposit balances, loans and debit card transactions.

Visit DesertFinancial.com/Rewards for details and a list of Frequently Asked Questions on how to earn more points through TRANSACTING, SAVING and BORROWING.

We’re rewarding members who strengthen their relationship with Desert Financial by using our products and services the most. You don’t even have to wait for a check from us! Your bonus will be deposited into your membership savings account. We are thrilled to share our success with you, and we look forward to giving back even more in the future.
– Jeff Meshey, President and CEO of Desert Financial

Score 5 MORE Cashback Rewards

  1. Refinance your auto loan: Whether you refinance to lower your monthly payment or find a better interest rate, you can get up to $500 cash back with an auto refi.3
  2. Buy a house: Use a Participating Real Estate Broker to receive up to $5,000 toward your closing costs.4 You may even qualify for a down payment assistance grant through the WISH program.5
  3. Refer a friend: If you love banking with us, then share your exceptional experiences with your friends. If they make the switch, then you both receive $100 after the program requirements are met.6 (High-fives for this win-win!)
  4. Win a sweepstakes: Members can also enter to win prizes through sweepstakes hosted by Desert Financial throughout the year. In past years, we’ve given away up to $75,000 cash!
  5. Join the #KindnessRevolution: We perform Random Acts of Kindness for our community and our members! To date, we’ve performed over 12,000 acts of kindness and counting.

Here are a few of our favorite Random Acts of Kindness:

  • Helping the Southwest Wildlife Conservation Center with animal rescue and rehabilitation
  • Teaming up with Arizona State University’s Gold Patrol to hand out MacBooks, smart watches and gift cards to students on campus
  • Helping a family rebuild after a devastating fire
  • Throwing a 100th birthday party for one very special member
  • Providing duffel bags stocked with gifts and essentials to children in foster care

These rewards are just one way we give back to our valued members and community! Become a member today and then start enjoying all the great perks and benefits. Check out DesertFinancial.com/Better for more information.

The material presented here is for educational purposes only, and is not intended to be used as financial, investment, or legal advice.

1Primary account holder must meet Desert Financial’s membership eligibility and credit qualification requirements, including opening a Membership Savings account with a minimum balance of $25. Checking is free; however, fees incurred — such as a stop payment or NSF fee — may apply. For complete terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures.
2Must be a Rewards Member or Rewards+ Member for a minimum of six months per calendar year to be eligible for annual cash bonus (“Member Giveback Bonus”). Additional restrictions apply. See Statements of Terms, Conditions, and Disclosures for full details.
3The cash back is paid based on 1% of the total loan amount ($10,000 minimum), not including any additional loan dollars toward ancillary products (Guaranteed Asset Protection [GAP], Mechanical Breakdown Protection [MBP]). The cash back will be deposited into your Desert Financial savings account within one business day of the loan funding. Maximum cash back amount is $500. Cash back amounts are subject to all applicable taxes and are the responsibility of the member. Offer available for the refinancing of non-Desert Financial auto loans only and is valid for a limited time only.
4Participation in the Real Estate Broker Program is voluntary. Desert Financial Credit Union and its subsidiary Define Mortgage Solutions LLC do not receive any benefit, monetary or otherwise, from the Participating Broker under this program. Participating Brokers are non-affiliated third parties of Define Mortgage Solutions LLC and Define Mortgage Solutions LLC makes no warranties or representations about the service provided by the Participating Brokers. To participate in this program, the member does not have to finance the mortgage loan with Define Mortgage Solutions LLC. Amount of credit will vary and is based on 25% of the buyer’s agent’s commission up to a maximum of $5,000. For full program details, see the Real Estate Broker Program Notice. Mortgage loans are offered by Define Mortgage Solutions, LLC, NMLS ID #1761612, a subsidiary of Desert Financial Credit Union. BK#0949053
5Grant money is limited and reserved on a first-come, first-serve basis. Must have an accepted purchase contract to reserve funds. Not all members will be eligible for down payment assistance. Must be a first-time homebuyer. Restrictions apply, including — but not limited to — income and creditworthiness. Ask a representative for more details.
6Refer-a-Friend cash bonus offer valid for a limited time only. New member ("Friend") must present completed Referral Form at time of account opening or use the referral link provided to establish a Membership Savings and Checking account. New members cannot have any existing accounts (primary or joint owner) within the last 12 months. Referrer and Friend cannot begin credit union membership on the same business day.
Account Opening Criteria: Primary account holder must be 18 years or older and meet Desert Financial’s membership eligibility and credit qualification requirements, including opening a Membership Savings account with a minimum balance of $25. Checking account is free; however, fees incurred — such as a stop payment or NSF fee — may apply. For complete terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures.
Cash Bonus Criteria: To receive the cash bonus, the new checking account must meet the following criteria within the first 90 days: 1. Minimum of 30 posted transactions and 2. Establish direct deposit. 3. Must be open and cannot be delinquent (more than 30 days) at time of bonus payment. Referring member must meet the following criteria to receive the cash bonus: 1. Must be at least 18 years of age at time of referral. 2. Must be the primary owner of an open and active share account, opened prior to the account opening date of the new member account, and open at the time of bonus payment. Bonus will be deposited into the new member’s checking and referring member’s account within 10 business days in the month following the end of the first 90-day period if qualifications are met. Employees of Desert Financial Credit Union, its subsidiaries, affiliates, or agencies and their immediate family (including spouse, parents, siblings, children, grandparents or grandchildren) are not eligible for bonus offer. Bonus amounts are subject to all applicable taxes and are the responsibility of the member. Bonus cannot be combined with any other account opening offer. Referrals limited to five per member. Terms and conditions subject to change without notice.

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