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What is Member Giveback Bonus?
Member Giveback Bonus is an annual cash reward for members who do more with us. It’s one of the benefits of Relationship Rewards, a free program you’re automatically enrolled in when you join Desert Financial. You earn points for doing various banking activities with us – and every point can help you level up!1
How it works
When
Relationship Reward points are calculated on the first calendar day of each month and are based on activity during the previous calendar month.
How
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 a Member Giveback Bonus.
What
The annual Member Giveback Bonus reward is paid out to eligible members by Feb. 1.
Not a member yet?
There’s plenty of time to qualify for the 2026 Member Giveback Bonus, and becoming a member is the first step! Join below and start earning Relationship Rewards points.
FAQs about the Member Giveback Bonus
Are joint account owners eligible for the bonus?
Joint account holders are not eligible to receive a Member Giveback Bonus. When an account has multiple owners, only the primary account owner is eligible to receive the bonus in their savings account.1
When will I receive my bonus?
In 2025, members who were eligible for the bonus received their cash reward by Feb. 1. Look for your Member Giveback Bonus by logging in to Online Banking and checking your Membership Savings account.1
Does everyone receive the same bonus amount?
A member’s bonus is based on their relationship with us.1 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:
Isabella - Received a $53 bonus
$11,000 deposit balance | 725 debit card transactions (~60 per month)
Isaac - Received a $200 bonus
$15,000 deposit balance | 2 auto loans | 925 debit card transactions (~77 per month)
Tamika - Received a $400 bonus
$1,800 deposit balance | 455 debit card transactions (~38 per month) | Auto loan | Home Equity Line of Credit | Mortgage loan
How do I increase my bonus?
To potentially increase the amount of cash you get back, you can do more of your banking with Desert Financial.1 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.
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1
For further information regarding the Relationship Rewards program and eligibility of the Member Giveback Bonus, please see the Relationship Rewards Disclosure – Supplement to the Statements of Terms, Conditions and Disclosures.
2
Payout range is based on historical data and is meant to provide an assumption; it is not a guarantee of the exact payout amount you may receive. Members are paid out for their average, mortgage and loan balances, as well as their debit card activity. Payout ranges can change every year based on credit union performance.
3
Average balance is the average balance for all products the primary member has, not just investments. This includes savings, checking, certificates, money market accounts, IRAs, etc. The average will encompass data from the full 12 months of the calendar year, even if the member’s account has been open for six months of the year; in this instance, the average balance will be $0 for six months and for the other six months, the average balance will be the average of the accounts when they were open.
4
Mortgage balance is the average for the full year and includes only mortgages on which the member is primary account holder.
5
Loan balance includes all consumer loans on which the member is primary account holder, including auto loans, home equity lines of credit (HELOCs), personal lines of credit (PLOCs), signature loans, etc. Loan balances do not include credit cards.