RELATIONSHIP REWARDS
GROW
START
Direct deposit of $750+
Direct deposit of $750+
25+ transactions (e.g., ATMs,
point of sale, branch)
25+ transactions (e.g., ATMs,
point of sale, branch)
Daily minimum balance
of $2,500
Daily minimum balance
of $2,500
ACHIEVE
PROSPER
Free for all
Achieve members
Free for all
Prosper members
(3-5 POINTS)
(6+ POINTS)
DISCOUNTS
$7 Membership Checking
monthly service fee waived
when one of the following
criteria is met per
statement cycle
(1-2 POINTS)
Consumer loans1
0.25% rate discount
0.50% rate discount
Wills & Trusts8
$100 on Trust, $50 on Will
$150 on Trust, $75 on Will
CASH
BACK
MEMBERSHIP
CHECKING
(0 POINTS)
Prosperity Bonus3
Limited Membership fee
Cashier’s checks
Money orders
WAIVED FEES
DS custom checks
Stop payments
Debit Card replacements
DS ATM fees
Incoming wires
Overdraft Protection Transfers
ATM fees/surcharges by other institutions (up to $50)4
Home Equity Line of Credit annual fee6
ADD UP YOUR POINTS
BY CATEGORY 5
Total Loan Balances:
Auto Loans / Home Equity Loans /
Personal Loans / Credit Cards / Lines of Credit
Total Deposit and
Investment5 Balances:
1
2
3
4
Savings / Checking / Money Market
Savings Certificate / IRA / Investments 7
1
2
3
4
Desert Schools Mortgages2
2
(Max 2 points per household)
Direct Deposit
1
(Max 1 point per household)
Checking Account Transactions
(Max 1 point per household)
Desert Schools Insurance Services
Product9 (Max 1 point per household)
YOUR TOTAL POINTS:
1
1
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
$50,000 $99,999.99
$100,000 +
One or more Desert
Schools mortgages
Total of $750 per month
into the same account
25+ per month to a
single checking account
1 or more active policies
Example:
Sally opened savings and money market accounts with balances
totaling $15,000 (1 point) and maintains a Membership Checking
account with direct deposit (1 point). With 2 points, Sally qualifies
for the GROW level.
Financing a home mortgage through Desert Schools (2 points) and
adding a DS Insurance homeowners policy (1 point) would put Sally
in the ACHIEVE level, earning her benefits such as a .25%
consumer loan discount and qualifying her for the Prosperity Bonus.
See back for disclosure. Federally insured by NCUA |
Equal Housing Lender
Relationship Rewards levels can change monthly. For additional product and/or program details, see Statements of Terms, Conditions and Disclosures.
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. 2Max 2 points per household for this category. Must be serviced by Desert Schools. 3Prosperity Bonus Cash Back
begins in 2018 based on 2017 data. Must be Achieve or Prosper for a minimum of 6 months per calendar year to be eligible for cash back. Restrictions apply. See Statements of Terms, Conditions, and Disclosures for full details. 4Per Membership Checking. 5Chart 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. 6Must be Prosper level in month fee is charged for waiver to apply.
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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
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Not NCUA Insured
No Credit Union Guarantee
May Lose Value
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.
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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.
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