Relationship Rewards
MEMBERSHIP THAT
GROWS WITH YOU
SHARED PROSPERITY
OUR MISSION
We’re giving more to members with a new
rewards program we call Relationship Rewards.
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.
At Desert Schools, our goal is to provide
exceptional experiences through financial
solutions that make lives better. We believe
Relationship Rewards puts us in the best possible
position to deliver this now and in the future.
SUCCESS IS A TWO-WAY STREET
We sincerely thank you for your relationship
and invite you to review the details included so
you can make the most of your Desert Schools
membership.
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 - POINTS SYSTEM
Earn points for using Desert Schools’ products and services to increase your Relationship Rewards
level. Check the chart below to find out the point value of each of the items you use. Then add up your
points to see what level of rewards you qualify for.
ADD UP YOUR POINTS
BY CATEGORY.1
Total Loan Balances:
Auto Loans / Home Equity Loans /
Personal Loans / Credit Cards / Lines of Credit
0
1
2
3
4
1 Point
2 Points 3 Points 4 Points
$1,000.01 $19,999.99
$20,000 $39,999.99
$40,000 $59,999.99
$60,000 +
$10,000 $24,999.99
$25,000$49,999.99
$40,000$59,999.99
$100,000+
Total Deposit and
Investment7 Balances:
0
1
2
3
4
Desert Schools Mortgages2
0
2
Direct Deposit
0
1
Total of $750 per
month into the same
account
Checking Account Transactions
0
1
25+ per month to a
single checking account
Savings / Checking / Money Market/
Savings Certificate / IRA / Investments7
(Max 2 points per household)
(Max 1 point per household)
(Max 1 point per household)
Desert Schools Insurance Services
Product9 (Max 1 point per household)
0
1
One or more Desert
Schools mortgages
1 or more active
policies
YOUR TOTAL POINTS:
PROSPER 6+
POINTS
ACHIEVE 3-5 POINTS
GROW 1-2 POINTS
START 0 POINTS
Examples...
Alberto maintains checking and savings accounts with Desert
Schools, but doesn’t have direct deposit and only makes a
few transactions per month. With minimal account activity
and balances of $200-500, Alberto has 0 points and is in the
START level of Relationship Rewards.
To move to the GROW level and have his Membership
Checking account fees waived5, Alberto could make 25+
transactions per month (1 point) with his debit card.
Sally opened savings and money market accounts with
balances totaling around $30,000 (2 points) and maintains a
Membership Checking account with direct deposit (1 point).
With 3 points, Sally qualifies for the ACHIEVE level.
Financing a home mortgage through Desert Schools (2 points)
and adding a DS Insurance homeowners policy (1 point) would
put Sally in the PROSPER level, earning her benefits such as
a .50% consumer loan discount.
RELATIONSHIP REWARDS – LEVELS & BENEFITS
Our rewards program encourages members to grow their relationship with Desert Schools. You will earn points based on the specific
services and balances you have with us. Your points will be calculated on a monthly basis. The total number of points in your
household (including all members who reside at your address) will determine your specific Relationship Rewards level.
ALL MEMBERS RECEIVE
Free Services:
• Online/Mobile Banking
• Mobile Deposit
• 30,000+ Surcharge-free ATMs
• Larry Fitzgerald or Phoenix Coyotes Debit Card
• eStatements
Member Discounts:
• Turbo Tax
• Gammage
• Get Away Today
PROSPER
6+
LEVEL UP TO ENJOY MORE BENEFITS!
POINTS
Opening additional services and loans with Desert Schools or increasing your
account activity could qualify you for a higher level and more member benefits.
START
0
POINTS
We all have to start somewhere.
Whether you’re a new member or just
now ready to make the switch to Desert
Schools, this is a great place to start!
Benefits:
• Membership Checking Fee Waiver
Based on Account Usage5
• Free Services & Member Discounts
GROW
1-2
POINTS
You’re on the right track. You will begin
seeing some of the perks of using
Desert Schools as your primary place
to bank.
Benefits:
• Limited Membership Fee Waiver
• Membership Checking Fee Waiver
Based on Account Usage5
• Free Services & Member Discounts
ACHIEVE
3-5
POINTS
Bring on the rewards! Here you begin to
receive loan rate discounts and great
benefits like free Membership Checking.6
Benefits:
• .25% Rate Discount on Consumer Loans3
• Free Membership Checking6
• Desert Schools’ ATM Fee Rebate up to $504
• Free Custom Checks
• Free Debit Card Replacement
• Free Money Orders & Cashier’s Checks
• Free Stop Payments
• Wills & Trusts Discounts up to $1008
• Limited Membership Fee Waiver
• Free Services & Member Discounts
You’re now receiving the maximum rewards
of being a Desert Schools member. Larger
discounts on loan rates, free Membership
Checking6 and rebated ATM fees are just
the beginning.
Benefits:
• .50% Rate Discount on Consumer Loans3
• Free Membership Checking6
• All ATM Fees Rebated up to $504
• Free Custom Checks
• 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 $1508
• Limited Membership Fee Waiver
• Free Services & Member Discounts
CONGRATULATIONS!
You are receiving the maximum amount of
member benefits available.
WHEREVER LIFE LEADS YOU, WE’RE HERE FOR YOU
As part of your membership with Desert Schools, you have access to a full suite of financial solutions
for every stage of life.
MANAGE YOUR MONEY
BORROW FOR LIFE’S NEEDS
• Checking Accounts
• Debit and Credit Cards
• Online and Mobile Banking
• Bill Pay
• Mobile Deposits
• Apple/Samsung/Android Pay
• Mortgages
• Home Equity Loans
• Auto Loans
• Personal Loans
• Student Loans
PLAN FOR THE FUTURE
PROTECT WHAT MATTERS
Credit Union Insured Accounts:
• Savings Accounts
• IRAs
• Money Market Accounts
• Savings Certificates
Investment and Advisory Services
through LPL Financial7
• Auto Insurance
• Home Insurance
• Life Insurance
• Wills & Trusts
• Medicare Insurance
QUESTIONS?
Make the most of your
membership and enjoy
greater Relationship Rewards!
Contact us at 602-433-7000
Over 45 locations Valley-wide
1
Chart not all inclusive. Unless designated otherwise, all balance and account references refer to balances held at Desert Schools or on a Desert Schools co-branded product. 2Max 2 points per household for this category. Must be
serviced by Desert Schools. 3For 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. 4Per Membership Checking.
5
Membership Checking fee can be waived by performing at least of one of the following each statement cycle on the Membership Checking account: $750+ Direct Deposit, 25+ Checking Transactions, $2,500+ Daily Minimum Balance,
Primary Account holder under the age of 22. 6Membership Checking is free for Achieve and Prosper levels. Relationship Rewards levels can change monthly. For additional product and/or program details, see Statements of Terms,
Conditions and Disclosures.
7
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.
Tracking #1-503334
8
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 an Arizona Limited Liability Company and Certified Legal Document Preparation Business Entity (CLDP #81024). Desert Schools Financial Services is a wholly owned
subsidiary of Desert Schools Federal Credit Union. 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.
9
Property/Casualty, Personal Lines and Commercial Lines Insurance products and services are offered through Southwest Business Corporation (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 DS Insurance Services, Desert Schools Financial Services, LLC or Desert Schools Federal Credit Union. Desert Schools Financial Services, LLC dba DS
Insurance Services is a wholly owned subsidiary of Desert Schools Federal Credit Union. Insurance products and services are not insured by the NCUA and have NO credit union guarantee.
Desert Schools Federal Credit Union | Federally insured by NCUA |
Equal Housing Lender