After being a customer for over 10 years, It's to my great disappointment that Arizona federal credit union is going to start charging monthly fees starting January 1st, 2013 to hold on to MY MONEY! That is the one main thing that made them stand out from all the other financial institutions. considering there customer service has not been the most exceptional. apparently there new slogan is a credit union made up of US. Well I wouldn't charge us to hold on to our money.