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URL:  http://boards.fool.com/btw-thats-just-an-observation-im-a-strong-30418347.aspx

Subject:  Re: Notice change in membership terms AZ Federal Date:  12/6/2012  10:48 PM
Author:  401kinvestor Number:  306494 of 308881

BTW, that's just an observation. I'm a strong believer in making a bank work for you and not the other way around, so I'd recommend you switch to get a free account elsewhere. Just don't kid yourself into believing that you've developed a relationship by depositing a few bucks with a bank or credit union. Sometimes banks will give you special treatment if you carry a huge balance; but that's not you.


Honestly I don't believe I'll ever get a good deal on a car unless I stay with this credit union. Nissan likes to $$$screw big time. I saved $10K by buying thru AZfederal granted that they don't do biweekly pmts like Sunwest Federal credit union anymore.


12-06-12 balances

Chase Total checking:$0
Sunwest checking 1: $1.00
Sunwest checking 2: $.98
Sunwest savings 1: $0
Sunwest savings 2: $6
Arizona Federal Savings $14

Various Certificates at Sunwest Account 2: $7407
Nationwide Bank Cd $505.00

Individual Brokerage Account Schwab: $24,868
Rollover Ira Schwab: $16,564
Roth Ira Schwab: $24,243
401k Self Directed Schwab: $33,511
Vanguard Roth Ira: $13,063
Vanguard Variable Annuity (Momumental Insurance Company)$7,509

Pension balance cash vested: $14,501.66
Health Savings Account: $1729

Loans:

American Express Blue $5
Chase Freedom Visa: $173.25
Car Loan Sunwest: $13,046.31 biweekly pmt $111.48 pmt due : 01/20/13 interest rate 2.49%

Stock loan (secured against cd): $267.27 biweekly pmt $57.89 pmt due: 02/08/13 interest rate 2.30%

Fees paid for having accounts:
1) Schwab $4.42 monthly 401kfee
2) Annual Fee Annuity $25 Vanguard
3) 2013 Az Federal monthly fee $3
4) Cell phone bill monthly $43.63
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