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Relationship Rewards

Explore the benefits of our rewards program!

When you join Desert Financial, you’re automatically enrolled in our free Relationship Rewards program.

What’s in It for Me?

Depending on your Relationship Rewards level, you could get benefits including:

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Cash back with Member Giveback Bonus1

rate discounts icon

Rate discounts on consumer loans2

wills and trusts icon

Discounts on will and trust packages3

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And more than a dozen other perks!

Here’s How It Works:

You earn points for doing various banking activities with us – and every point can help you level up! The higher your Relationship Rewards level, the more benefits you get.

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Points are calculated on the first calendar day of each month and are based on activity during the previous calendar month. (See 我如何升级 section below.)

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Members receive benefits for their levels right away. Members who have enough points to reach the Rewards or Rewards+ level (2-3 points) for six months (not necessarily consecutive) in the previous calendar year are eligible for our annual Member Giveback Bonus.

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Benefits include fee waivers, loan discounts and more (see “What Level Am I?” below for full details). The annual Member Giveback Bonus reward is paid out to eligible members in January or February of each year.

Member Giveback Bonus Stats


average bonus in 2023


highest bonus ever


awarded in 6 years!

How to Earn Points



$500+ direct deposit or 25+ checking transactions monthly



$10K+ in combined investment4 and deposit balances



Current mortgage, home equity or auto loan



20+ years of continuous membership

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 on electronic statements. For print statements, look on the top right-hand side, 在蓝盒子,上面写着“关系水平.”

Member icon Member Rewards member icon Rewards Member Rewards plus member icon Rewards+ Member
Points 0-1 point 2 points 3+ points
Free checking
with no minimum balance and no monthly service fees5
Rate discount on consumer loans2 .25% .50%
Cash back with Member Giveback Bonus1
Free custom checks
Free money order and cashier’s checks
Free stop payments
Discount on will and trust packages3 $100 discount $150 discount
Non-Desert Financial ATM fee waivers
Rebates of ATM fees/surcharges by other institutions
($50 per account monthly)
Free overdraft protection transfers
Free incoming wires


The more transacting, saving and borrowing you do with us, the higher your chances of leveling up!

Calculate Your Rewards Level

Select all options that you have:

You are a


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.

FAQs About Relationship Rewards

Relationship Rewards is a free program that gives members benefits for growing their relationship with Desert Financial. Members earn points based on the various banking activities they do with us. Relationship Rewards is just one of the ways we share success with our members!

Members can earn one point in each of the following categories (three points max):

  • Transacting: Make 25+ checking account transactions OR have direct deposits totaling $500+ monthly
  • Saving: Have $10,000+ in combined investment4 and deposit balances
  • Borrowing: Have a current home equity, mortgage or auto loan with Desert Financial
  • Bonus Loyalty Point: 20+ years of continuous membership

Household points are calculated monthly and updated on the first calendar day of each month (based on the services you have on the last calendar day of the previous month). Direct deposit and checking account transactions are calculated based on activity during the previous calendar month.

Visit the FAQ at our Knowledge Center for more information.


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Need more details? View the Statements of Terms, Conditions and Disclosures here.

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.

1Must be Rewards Member, or Rewards+ Member 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.

2Must be a Rewards or Rewards+ Member to be eligible for rate discount. Applies to new Home Equity, Titled, and other consumer loans. Discount may not be combined with any other rate discount or promotional offer unless specifically agreed to by Desert Financial.

3Document 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.

4Investment advisory services offered through Raymond James Financial Services Advisors, Inc.

Securities offered through Raymond James Financial Services, Inc., Member FINRA / SIPC, and 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 Credit Union and Desert Financial Wealth Management are not registered broker/dealers, and are independent of Raymond James Financial Services.

5Checking is free; however, fees for overdraft, non-sufficient funds, or additional services may apply. See Fee Schedule. Membership eligibility required. For complete account terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures.