• Refer a Friend
  • Locations
  • Contact
  • Rates
  • Schedule Appointment
  • Login

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



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!

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 posted Desert Financial transactions within 90 days

You can refer up to five friends, which means you could potentially earn $5001 just for helping your friends connect with Arizona’s most trusted credit union.

Click below to refer a friend online — it’s super easy and takes just a few minutes! Or, print a referral form and follow the instructions to have your friend complete the process in a branch.

Referring friends is SO easy. I joined Desert Financial because I wanted free checking and great banking tech. I tell everyone how convenient the mobile app is.

- Ruby

Glendale, AZ


67K ratings, 4.8, App Store



Free Checking with convenience, kindness and more!

Getting $100 is just the beginning. When your friend joins Desert Financial, they’ll also get access to a better way of banking — with Free Checking, convenient technology, member perks and giving back to the community.

Learn More

1Refer-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.