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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?
Here's how it works:
Member Giveback Bonus Stats
$91
average bonus in 2025
$10K+
highest bonus ever
$106 million
awarded in 8 years!
How to earn points
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.”
| Member | Rewards Member | Rewards + Member | |
|
Points
|
0-1 point | 2 points | 3+ points |
|
Free Checking5
No minimum balance and no monthly service fees |
✔ | ✔ | ✔ |
| Free overdraft protection transfers | ✔ | ✔ | ✔ |
| Free financial tools for families (Kickstart) | ✔ | ✔ | ✔ |
| Non-Desert Financial ATM waivers | Two per statement cycle | Unlimited | Unlimited |
| Debit card benefits Fraud monitoring, Purchase Security and more |
✔ | ✔ | ✔ |
| Rate discount on consumer loans2 |
|
.25% | .50% |
| Cash back with Member Giveback Bonus1 |
|
✔ |
✔ |
| Free Desert Financial 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 |
| Rebates of non-Desert Financial ATM fees/surcharges by other institutions Up to $50 per checking account, per statement cycle |
|
|
✔ |
| 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 Level6
Select all options that you have:
You are a
Member
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.
Disclosures
1
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.
2
Must be a Rewards or Rewards+ Member to be eligible for rate discount. Applies to new Home Equity, titled, and other consumer loans. Discount does not apply to mortgage loans and may not be combined with any other rate discount or promotional offer unless specifically agreed to by Desert Financial.
3
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.
4
Investment advisory services offered through Raymond James Financial Services Advisors, Inc. (RJFS). Desert Financial Credit Union and Desert Financial Wealth Management are not registered broker/dealers, and are independent of RJFS. Securities offered through Raymond James Financial Services, Inc., Member FINRA / SIPC, are not insured by the NCUA or any other government agency, are not deposits or obligations of or guaranteed by the credit union and are subject to risks and may lose value.
5
Checking is free; however, fees for overdraft or additional services may apply. Membership eligibility required.
6
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.
7
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 may 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.
8
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.
9
Mortgage balance is the average for the full year and includes only mortgages on which the member is primary account holder.
10
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.