Refer a new member and you’ll each earn a $100 bonus1

Spread the word — and put a little extra cash in your pocket — by referring friends and family members to Desert Financial. You’ll earn a $100 cash bonus for every friend who signs up for a new checking account, and your friend will also receive a $100 cash bonus!1

The more friends you refer, the more cash you’ll earn. Good friends share everything from tools and clothes to money-saving tips, so why not share the benefits of membership in Arizona’s largest credit union? It’s a win-win!

To qualify, your friend must:

  • Be a new member with no existing or open accounts (including joint accounts) in the last 12 months
  • Make at least one direct deposit into a new checking account within 90 days
  • Perform at least 30 debit card transactions within 90 days

How to Refer a Friend:


Download and print the referral form below.


Complete the left-side portion and give the form to your friend.


Your friend should complete the “new member” section and present the Referral Form at a local branch to open their account.

Download Form

1Refer-A-Friend cash bonus offer valid for a limited time only. New member must present completed Referral Form at time of account opening and establish a Membership Savings and Checking account. New members cannot have any existing accounts (primary or joint owner) within the last 12 months. Member and referee 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 — will apply. For complete terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures booklet.

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. Bonus will be deposited into the qualifying 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. Referring member must have an open and active share account at time of bonus payment and be at least 18 years of age. 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 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.