Become a member and get up to $600

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There’s never been a better time to join Desert Financial. Make the switch today and start enjoying what current members already do: our commitment to giving back.


Choose the offer that is right for you

This limited-time offer of up to $600 is exclusive to new Desert Financial members who open a Membership Savings account and fulfill the following requirements.1

Get $200

Checking Bonus

When you open a Free Checking2 account and meet the following requirements within 90 days of account opening:

  • Receive at least one direct deposit into your checking account.
  • Have a minimum of 30 posted checking account transactions.
  • Enroll in eStatements.

OR

Get $300

Savings Bonus

When you meet the following requirements within 90 days of account opening:

  • Deposit $15,000 or more in new money into your Membership Savings or Money Market3 account within 30 days of account opening.
  • Maintain a minimum daily balance of $15,000 or more for the remainder of the 90-day qualification period.

OR

Get $600

BOTH

When you meet both the checking bonus and savings bonus requirements, you’ll earn an extra $100 bonus!

Open my account now

You can also call us at (602) 433-5626 or visit a branch.

Get Free Checking and savings plus better benefits

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Digital banking tools

Access your accounts 24/7 on the fly with our mobile app and online banking.

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Surcharge-free ATMs

Use 30,000+ ATMs in the CO-OP Network, fee-free.

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Member Services

We’re here for you. You’re a member, not a number.

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Relationship Rewards

This free program comes with benefits like rate discounts on loans and cash back.

Get started

1Offer Requirement: Must open accounts online by following the new account promotional link at DesertFinancial.com/600 or mention this promotion when opening in branch or over the phone to be eligible

New Member Promotion Eligibility: Offer available only to new Desert Financial Credit Union (DFCU) members who are 18 years of age or older, have a valid U.S. Taxpayer Identification Number or Social Security Number and meet DFCU’s membership eligibility and credit qualification requirements. New member must open a Membership Savings with a minimum balance requirement of $25. Visit desertfinancial.com/disclosures and refer to our Statements of Terms, Conditions and Disclosures for further information regarding membership eligibility and account details. Existing primary account owners or primary account owners who have closed their membership within the past 12 months and existing Joint account owners of an open checking or savings share are ineligible to receive promotional new account bonus. Employees of DFCU, its subsidiaries, affiliates, or agencies and their immediate family (including spouse, parents, siblings, children, grandparents or grandchildren) are not eligible. Offer valid for a limited time, cannot be combined with any other account opening offer and is subject to change. To receive the $200 Checking Bonus - New member must open a free checking account in addition to meeting the following three requirements within the first 90 calendar days of account opening – 1) Establish and receive a minimum of at least one direct deposit into the new checking account 2) Register for Online Banking and enroll in eStatements, and 3) have a minimum of 30 transactions post to the new checking account. To receive the $300 Savings Bonus - New member must meet the following two requirements within the first 90 calendar days of account opening – 1) Deposit a minimum of $15,000 (new money) into the Membership Savings or new Money Market account within 30 days of account opening and 2) maintain a minimum daily balance of $15,000 or more for the remainder of the initial 90-day of account opening qualification period.

To receive the additional $100 bonus (combined bonus amount of $600) - New member must meet the bonus eligibility requirements stated above for both the $200 Checking Bonus and the $300 Savings Bonus within the first 90 calendar days of account opening.

Bonus Eligibility: New accounts must be open and cannot be delinquent by more than 30 days at time of bonus payment. Bonus will be deposited into the qualifying account (Checking, Membership Savings or Money Market) no later than 10 business days in the month following the end of the initial 90 calendar day period if qualifications are met. Cash bonus earned is subject to all applicable taxes, is the responsibility of the member and will be reported on IRS Form 1099-INT.

2Checking 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.

3Money Market account - Must maintain a minimum daily balance of $2,000 to earn the stated dividend rate/APY (see current rates) and to avoid paying a Monthly Low Balance Fee (see Fee Schedule).

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