RELATIONSHIP REWARDS

Experience a partnership that gives back.
MEMBERSHIP THAT GROWS WITH YOU.

The more you do with us, the more we are able to give back to members and our community. That’s why we created Relationship Rewards, a new program that rewards members for growing their relationship with Desert Schools. For more information, see our Frequently Asked Questions or scroll down to our calculator to find out your level!

Do more, get more.
Relationship Rewards has four levels of membership: Start, Grow, Achieve and Prosper. You can earn points and Level Up by using more of Desert Schools’ products and services. Points will be calculated on a monthly basis. If you have other Desert Schools members in your household, your points will be combined. The total number of points in your household will determine your Relationship Rewards level. Choose your products and services below to see what rewards you may qualify for.

Introducing: Prosperity Bonus3
At Desert Schools, we believe that members should share in our success. So in 2017, we’re introducing the Prosperity Bonus as part of our Relationship Rewards program. This cash back is our way of saying “thank you” to our members who do the most with us. Prosperity Bonuses will be paid in 2018 based on your relationship with Desert Schools in 2017. To be eligible for the 2018 Prosperity Bonus, simply remain at the Achieve or Prosper Level for at least 6 months in 2017. It’s that easy! See our Frequently Asked Questions page for all the details.

Calculate your rewards
Check all that apply:
Total Loan Balances (Excluding Mortgages)
0 Points
1 Point
2 Points
3 Points
4 Points
$0
$1,000
$20,000
$40,000
$60,000+
Total Deposit + DS Investments5 Balances
0 Points
1 Point
2 Points
3 Points
4 Points
$0
$10,000
$25,000
$50,000
$100,000+
You are at the START Level
You are at the GROW Level
You are at the ACHIEVE Level
You are at the PROSPER Level
$7 Membership Checking monthly service fee waived when one of the following criteria is met per statement cycle:

+     Direct deposits totaling $750+
+     25+ transactions (e.g., ATMs, points of sale, branch)
+     Daily minimum balance of $2,500


 Add more products to Level Up!

Waived Limited Membership Fee

$7 Membership Checking monthly service fee waived when one of the following criteria is met per statement cycle:

+     Direct deposits totaling $750+
+     25+ transactions (e.g., ATMs, points of sale, branch)
+     Daily minimum balance of $2,500

 Add more products to Level Up!

.25% Rate Discount on Consumer Loans1

+     Free Membership Checking2
+     Cash Back with Prosperity Bonus3
+     Desert Schools ATM Fee Waivers
+     Free Custom Checks
+     Paper Statement Fee Waiver
+     Free Debit Card Replacement
+     Free Money Orders & Cashier’s Checks
+     Free Stop Payments
+     Wills & Trusts Discounts up to $1006
+     Limited Membership Fee Waiver
+     Free Services & Member Discounts


 Add more products to Level Up!

.50% Rate Discount on Consumer Loans1

+     Free Membership Checking2
+     Cash Back with Prosperity Bonus3
+     Desert Schools ATM Fee Waivers
+     Rebates of ATM fees/surcharges by other institutions (up to $50)4
+     Free Custom Checks
+     Paper Statement Fee Waiver
+     Free Debit Card Replacement
+     Free Overdraft Protection Transfers
+     Free Money Orders & Cashier’s Checks
+     Free Incoming Wires
+     Free Stop Payments
+     Wills & Trusts Discounts up to $1506
+     Limited Membership Fee Waiver
+     Free Services & Member Discounts


Relationship Rewards level displayed on this page is for illustrative purposes only. Actual level is contingent on product or service booked with Desert Schools or Desert Schools Financial Services, a wholly owned subsidiary of Desert Schools Federal Credit Union on the Evaluation date. Relationship Rewards level may change monthly. Restrictions apply. All loans and credit cards are subject to credit approval. For full terms and conditions of this program, see the Statements of Terms, Conditions and Disclosures.

1For consumer and home equity loans, subject to credit approval and applies to new money loans. May not be combined with any other rate discounts or promotional offers.

2Membership Checking is free for Achieve and Prosper Levels only. Relationship Rewards level may change monthly.

3Must be Achieve or Prosper for a minimum of 6 months per calendar year to be eligible for cash back. Additional restrictions apply. See Statements of Terms, Conditions, and Disclosures for full details.

4Per Membership Checking.

Investments Logo LPL logo 5Securities and advisory services are offered through LPL Financial a Registered Investment Advisor (RIA), member FINRA/SIPC. Some insurance products are offered through LPL Financial or its affiliated companies. Desert Schools Financial Services, LLC dba DS Investments & Financial Services, and Desert Schools Federal Credit Union are not affiliated with LPL Financial.

Not NCUA Insured Not Credit Union Guaranteed May Lose Value
Wills and Trust logo 6Document preparation services are offered through Desert Schools Financial Services, LLC under the Registered Trade Name of Member Asset Preservation Services (MAPS™) also dba DS Wills & Trusts. Desert Schools Financial Services is Certified Legal Document Preparation Business Entity (CLDP #81024). These services are not affiliated with any other business entity with whom Desert Schools Financial Services has a marketing or networking agreement. Certified Legal Document Preparation Services are not insured by the NCUA and have No Credit Union guarantee.
Insurance logo 7Property/Casualty, Personal Lines, Commercial Lines and some Health Insurance products are offered through Desert Schools Financial Services, LLC dba DS Insurance Services. Long-term Care, Medicare Supplemental, Medigap, and some Life, and Disability Income insurance products are offered through LTCi Consulting, LLC and its affiliated companies.  Dental Insurance is offered through Delta Dental of Arizona. LTCi, and Delta Dental are not affiliated with Desert Schools Financial Services or Desert Schools Federal Credit Union.  Insurance products and services are not insured by the NCUA and have NO credit union guarantee.