RELATIONSHIP REWARDS

Experience a partnership that gives back. LEARN MORE

MEMBERSHIP THAT GROWS WITH YOU.

At Desert Schools, you’re more than a member ― you’re also our financial partner. The more you do with us, the more we can 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 details, see our Frequently Asked Questions about Relationship Rewards.

Do more, get more.

Relationship Rewards has four levels of membership: Start, Grow, Achieve and Prosper. Earn points for using more of Desert Schools’ products and services to increase your Relationship Rewards level. Choose your products and services below to see what rewards you may qualify for.

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 Investments3 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!

0.25% Rate Discount on consumer loans1

+     Free Membership Checking2
+     Desert Schools’ ATM Fee Rebate (unlimited)
+     Free Custom Checks
+     Free Debit Card Replacement
+     Free Money Orders & Cashier’s Checks
+     Free Stop Payments
+     Wills & Trusts Discounts up to $1004
+     Limited Membership Fee Waiver


 Add more products to level up!

0.50% Rate Discount on consumer loans1

+     Free Membership Checking2
+     Desert Schools’ ATM Fee Rebate (unlimited)
+     Free Custom Checks
+     Free Debit Card Replacement
+     Free Money Orders & Cashier’s Checks
+     Free Stop Payments
+     Limited Membership Fee Waiver
+     Free incoming wires
+     Free Overdraft Protection Transfers
+     Rebate/waiver of ATM fees and surcharges (up to $50)
+     Wills & Trusts discount ($150 discount on trust, $75 discount on will)4

Make the most of your membership.

The more you do with Desert Schools, the more you get back ― from lower loan rates and waived account fees to discounted services and a wide array of tools to set you up for financial success.

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 (including all members who reside at your address) will determine your specific Relationship Rewards level.

Success is a two-way street.

Members have always been our priority. For over 75 years, members just like you have helped us to invest in the financial well-being of our community and reinvest in the local economy. By using Desert Schools as your primary financial institution, you play an important role in supporting many more years of success. After all, as a member you’re also an owner of the credit union.




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.

1 For 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.

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

Investments Logo LPL logo 3 Securities 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 4 Document 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 5 Property/Casualty, Personal Lines and Commercial Lines Insurance products and services are offered through Southwest BusinessCorporation (SWBC). Long-term Care, Medicare Supplemental, Medigap, and some Life, and Disability Income insurance products and services are offered through LTCi Consulting, LLC and its affiliated companies. Dental Insurance is offered through Delta Dental of Arizona. SWBC, LTCi, and Delta Dental are not affiliated with Desert Schools Financial Services, LLC dba, or Desert Schools Federal Credit Union. Insurance products and services are not insured by the NCUA and have No Credit Union guarantee.