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I just received a letter from Arizona Federal that they are changing the terms on the account. The new par value of membership now will be $25 beginning January 1, 2013. A NEW Membership Fee of $3 a month will be charged to your savings account beginning January 2013.

I'm really not happy about this new fee but they bailed me out by getting a fair price on a used car and saved me $10,000 to what I paid last time on a car a ABC Nissan.
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