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Get Cash Back With Our Member Giveback Bonus

We’re rewarding members who build a strong relationship with Desert Financial.

This year’s Member Giveback Bonus has been paid out.

Don’t forget – now is the time to work on qualifying for next year’s bonus by being at the Rewards or Rewards+ level of Relationship Rewards for at least six months of 2023.

Desert Financial’s Member Giveback Bonus is an annual cashback reward for members who do the most with us. It’s just one of the ways that we share success with our community, with our team and with you — our valued members.

Last year’s bonus was $15 million. This year, we gave even more back to thank our members for doing business with us and supporting our mission of sharing success across Arizona

In gratitude for your membership, we increased our giving total to $16 million!
(Only primary account holders receive the bonus. 联合账户不符合.)

We’ve awarded $70 million to our members over the past six years!


FAQs About the Member Giveback Bonus

So, how did our members qualify for a bonus?

To be eligible for the Member Giveback Bonus, you must have been at the Rewards or Rewards+ level of Relationship Rewards for a minimum of six months in 2022.1 Only primary members can qualify to receive a bonus.

Are joint accounts eligible for the bonus?

Joint account holders are not eligible to receive a Member Giveback Bonus. When an account has joint owners, only the primary account owner is eligible to receive the bonus in their savings account.

How and when will I receive my bonus?

Member Giveback Bonus funds are automatically deposited into every eligible member’s Membership Savings account in January or February of each year. In 2023, members who were eligible for the bonus received their cashback reward no later than February 1. You can see your Membership Savings account at any time by logging in to Online Banking.

Does everyone receive the same bonus amount?

No. Your bonus amount is based on your relationship with us. To show you how this works, below are a few examples of members who received a past Member Giveback Bonus and the amounts that they received:

$11,000 deposit balance
725 debit card transactions (~60 per month)

Received a

$15,000 deposit balance
2 auto loans
925 debit card transactions (~77 per month)

Received a

$1,800 deposit balance
455 debit card transactions (~38 per month)
Auto loan
Home Equity Line of Credit
Mortgage loan

Received a


How do I increase my bonus?

To potentially increase the amount of cash you get back, do more of your banking with Desert Financial. For example:

  • Use your Desert Financial debit card more frequently.
  • Refinance your existing loans at other financial institutions with Desert Financial.
  • Increase your deposit balances at Desert Financial.

Looking for more ways to maximize your relationship with Desert Financial? Learn more about our Relationship Rewards program.

Show me how

1For further information regarding the Relationship Rewards program and eligibility of the Member Giveback Bonus, please the Relationship Rewards Disclosure – Supplement to the Statements of Terms, Conditions and Disclosures.