Explore how to earn a $100 new member bonus and $100 referral rewards with Desert Financial Credit Union in Arizona. Join today and maximize your savings!
Key Takeaways
- $100 New Member Bonus: Open a Membership Savings and a Free Checking Account, receive a direct deposit, and perform 30 transactions within 90 days.
- $100 Referral Rewards: Refer a new member to earn $100 for each successful referral who meets the same criteria.
- Eligibility: Available to individuals in specific Arizona counties who meet the membership criteria.
- Timely Bonus Payment: Bonuses are paid within 10 business days following the end of the 90-day qualification period.
Introduction
If you’re living in Arizona, Desert Financial Credit Union offers an enticing opportunity to boost your bank balance by up to $200 through its Refer-A-Friend program. By simply opening a new account and meeting straightforward requirements, you can secure a $100 new member bonus. Plus, if you’re already enjoying the benefits of Desert Financial, you can earn an additional $100 for every friend you bring aboard.
Let’s dive into how you can start claiming these rewards today!
See the bottom of this page for more offers.
Desert Financial Credit Union Sign Up Bonus Offer
- What you’ll get: $100
- Where it’s available: AZ
- How to earn it:
- Join Desert Financial Credit Union: You must be a new member and can join if you live, work, attend school, volunteer, or worship within their service area in Arizona, or if you are a family member of a current Desert Financial member, or own a business in Arizona.
- Open a Membership Savings and a Free Checking Account: Start by opening a Membership Savings Account with a minimum balance of $25, followed by a Free Checking Account.
- Complete the Required Transactions: You need to perform at least 30 transactions within the first 90 days of opening your Free Checking Account. These transactions can include purchases, bill payments, or any other account activities but should not include fees assessed by the credit union.
- Set Up a Direct Deposit: Establish and receive at least one direct deposit into your new checking account within the first 90 days of account opening.
- When it expires: None listed
Trending Checking Account Deal:
Desert Financial Referral Bonus Offer
If you’re already a member of Desert Financial Credit Union, you have a fantastic opportunity to earn additional rewards through their Referral Bonus Offer. By inviting friends and family to join, you can both benefit financially. Here’s how you can maximize your earnings with the referral program:
How to Earn the $100 Referral Bonus
- Eligibility: To participate in the referral program, you must be at least 18 years old and the primary owner of an open and active Membership Savings Account, which must have been established prior to the opening date of the new member’s account.
- Refer New Members: Share your unique referral link, or provide your details to your referrals to mention over the phone or in-branch when they open their accounts. Ensure they know to state they were referred by you.
- New Member Requirements: Your referrals must open a Membership Savings Account with a minimum of $25 and a Free Checking Account. They also need to complete at least 30 transactions and receive at least one direct deposit within the first 90 days of account opening.
- Receive Your Bonus: Once your referral meets all the requirements, the $100 bonus will be credited to your Membership Savings Account. The bonus is typically deposited no later than 10 business days following the end of the initial 90-day period of the new member’s account qualification.

Compare With Other Bank Bonuses
- Best Bank Bonuses & Promotions of November 2025 - This comprehensive guide will help you maximize your financial gains through the best bank bonuses, promotions & offers, providing detailed insights and comparisons to help…
- Acorns Bonuses: $20 Sign-Up Bonus & Up To $1000 Referral Offer – November 2025 - Unlock the latest Acorns bonuses, including a $20 sign-up bonus and an opportunity to earn up to $1,000 through referrals. Start growing your savings with…
- Public.com Sign Up Bonus: $100 Welcome Offer & $100 Referrals - Get your Public.com sign up bonus today! Join the social investing platform that demystifies the stock market for new investors. Available on iOS and Android.…
- Citi Personal Wealth Management Bonus: Up To $5,000 Cash Offer – Ends 12/31/25 - Enjoy a $5,000 Citi Personal Wealth Management bonus when you open an account today. Start building your wealth with Citibank! Key Takeaways Citi Personal Wealth…
- Chase College Checking℠ Coupon: $125 Bonus Offer – Ends 1/21/2026 - Earn a $125 bonus when you open a new Chase College Checking℠ account and complete 10 qualifying transactions within 60 days of coupon enrollment. See…
- Chase Private Client Bonus: Up To $3,000 Promotion – Ends 1/21/2026 - Secure up to a $3,000 Chase Private Client bonus by opening a new checking account and completing qualifying activities. Click for full promotion details and…

Our Take On the Bank Offer
Desert Financial’s $100 new member and referral bonuses are small compared to many banking promotions available today. You can find better offers here:
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
More Desert Financial Bonuses
- Desert Financial Credit Union Bonus: $100 Sign Up & $100 Referral - Explore how to earn a $100 new member bonus and $100 referral rewards with Desert Financial Credit Union in Arizona. Join today and maximize your…
- Desert Financial Credit Union $200 Checking Bonus [AZ] – No End Date - Earn a $200 bonus for a new checking account with this offer from Desert Financial Credit Union. Update 12/22/2023: This offer is still active. For…
- Desert Financial Credit Union $100 Bonus For You & Referrals [AZ] – No End Date - Find up-to-date promotions and offers from Desert Financial Credit Union (desertfinancial.com) here. Typical offers range from $100 to $200. Desert Financial Credit Union was established…
By John Huynh, with over two decades in finance and investing, including as a Senior Finance & Operations Manager at a renowned research institute and degrees in Economics and International Studies from UC Irvine. Edited by Tony Jay, an experienced finance blogger and Executive Editor with two decades in banking, specializing in online banking and savings strategies. Tony holds a doctorate from Tulane University.
Discover more from MoneysMyLife
Subscribe to get the latest posts sent to your email.






