DO NOT BANK WITH ARIZONA FEDERAL
When I first started with Arizona Federal Credit Union, their customer service and willingness to help members was exemplary. In the past two years however, something has changed. For one, this credit union has gotten fee happy, just like a bank. They will assess overdraft fee on top of overdraft fee. If you ask them to remove the overdraft fees, they will remove only "some' of them.
They also are very inflexible on their loan payment terms, and are martinets about it. Due to the same financial situation that caused my overdraft fee, namely having to be the sole source of income for two people because of a medical emergency, I asked for a deferral, not a skip, a deferral mind you, and they refused.
Other customer service concerns include the fact that they will not call you back when they say that they will, and their promises are meaningless. They said they would not sweep my account for a loan payment. They did, and as a result, my account ended up in the hole.
Save your money. They're no different than a corporate bank