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DO MORE AND GET MORE WITH RELATIONSHIP REWARDS

With Relationship Rewards, the more you do with us, the more you get back! Getting an auto loan? More rewards! Buying home insurance?5 More rewards! And the list goes on. Our Relationship Rewards program has four levels, and when you level up, you unlock new rewards — like our exciting Member Giveback Bonus.2 Use our calculator below to see which rewards you may qualify for!

Calculate your rewards
Check all that apply:
Total Loan Balances (Excluding Mortgages)
0 Points
1 Point
2 Points
3 Points
4 Points
$0
$1,000
$20,000
$40,000
$60,000+
Total Deposit + Desert Financial Investments7 Balances
0 Points
1 Point
2 Points
3 Points
4 Points
$0
$10,000
$25,000
$50,000
$100,000+
You are at the START Level
You are at the GROW Level
You are at the ACHIEVE Level
You are at the PROSPER Level


+      Free checking, with no minimum balance and no monthly service fees.6
Start relationship rewards


 Add more products to Level Up!

Waived Limited Membership Fee


+     Free checking, with no minimum balance and no monthly service fees.6
Grow: Relationship Rewards

 Add more products to Level Up!

.25% Rate Discount on Consumer Loans1

+     Free Checking6
+     Cash Back with Member Giveback Bonus2
+     Desert Financial ATM fee waivers
+     Free custom checks
+     Paper statement fee waiver
+     Free debit card replacement
+     Free money orders & cashier’s checks
+     Free stop payments
+     Wills & Trusts discounts up to $1004
+     Limited membership fee waiver
+     Free services & member discounts
Achieve: Relationship Rewards


 Add more products to Level Up!

.50% Rate Discount on Consumer Loans1

+     Free Checking6
+     Cash Back with Member Giveback Bonus2
+     Desert Financial ATM fee waivers
+     Rebates of ATM fees/surcharges by other institutions3
+     Free custom checks
+     Paper statement fee waiver
+     Free debit card replacement
+     Free overdraft protection transfers
+     Free money orders & cashier’s checks
+     Free incoming wires
+     Free stop payments
+     Wills & Trusts discounts up to $1504
+     Limited membership fee waiver
+     Free services & member discounts
Prosper: Relationship Rewards


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 wholly owned subsidiaries, including Desert Financial — Financial Planning, on the Evaluation date. Relationship Rewards level may change monthly. Restrictions apply. All loans and credit cards are subject to credit approval. For full terms and conditions of this program, see the Statements of Terms, Conditions and Disclosures.

1For consumer and home equity loans, subject to credit approval and applies to new money loans. May not be combined with any other rate discounts or promotional offers.

2Must be Achieve or Prosper for a minimum of six months per calendar year to be eligible for cash back. Additional restrictions apply. See Statements of Terms, Conditions, and Disclosures for full details.

3Up to $50 per checking account.

Wills and Trust logo 4 Document preparation services are offered through Desert Financial Federal Credit Union; an Arizona Supreme Court Certified Legal Document Preparation Business Entity (CLDP #81024). Legal document preparation services are not insured by the NCUA and have no credit union guarantee.
Insurance logo 5 Insurance products and services are offered through Desert Financial Wealth Services, LLC dba Desert Financial Insurance Services and LTCi Consulting, LLC. Desert Financial Wealth Services, LLC is a wholly owned subsidiary of Desert Financial Federal Credit Union. LTCi Consulting, LLC is not affiliated with Desert Financial Wealth Services, LLC dba Desert Financial Insurance Services or Desert Financial Federal Credit Union. Insurance products and services are not insured by the NCUA, are not an obligation of the credit union, and have no credit union guarantee.
6 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 is free; however, fees incurred — such as a stop payment or NSF fee — will apply. For complete terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures booklet.
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Wealth Management:
7 Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Securities offered through Raymond James Financial Services, Inc., Member FINRA / SIPC | Legal Disclosures | Privacy Policy | Terms of Use

Securities 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 Federal Credit Union and Desert Financial Wealth Management are not registered broker/dealers and are independent of Raymond James Financial Services, Inc.

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.

Desert Financial Credit Union, Desert Financial Wills and Trusts, Desert Financial Insurance and Desert Financial Wealth Management is not a registered broker/dealer and is independent of Raymond James Financial Services, Inc.