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Arizona Federal Credit Union (or Arizona Federal) is a federally insured $1.3 billion, 125,000 member, natural person credit union headquartered in Phoenix, Arizona, chartered and regulated under the authority of the National Credit Union Administration (NCUA). As of April 2015, there are 16 ServUs Center locations in the metropolitan Phoenix area. ==History== Arizona Federal was established in 1936 as the Phoenix City Employees Federal Credit Union〔(Arizona Federal Credit Union Ready for Steady Growth. ) ''Knight Ridder/Tribune Business News.'' 9 Dec. 2003.〕 and has grown significantly through the years as a result of merging with the credit unions of other local municipalities, through a conversion to a community charter, and by benefiting from the boom in population throughout the metro-Phoenix area. In February 2009, Arizona Federal announced a loss of $64 million for the fourth quarter of 2008, and a total loss of over $115 million for 2008, the second largest annual loss ever for a credit union.〔Wiles, Russ. (Ariz. Federal Credit Union closing 4 branches. ) ''The Arizona Republic'' 13 Feb. 2009〕 In December 2009, Arizona Federal announced plans to close eight branches.〔Wiles, Russ. (Ariz. Federal Credit Union to close 8 branches. ) ''The Arizona Republic.'' 10 Dec. 2009.〕 In 2012, Arizona Federal reported net income of over $44 million for the year, with a Net Worth ratio of 9.71%, earning the credit union "well capitalized" status with the National Credit Union Administration. On December 31, 2012 Arizona Federal returned $3 million in excess earnings to actively participating members through a program called PLUs (Payback for Loyalty to Us), which coincided with the credit union reintroducing itself with a renewed emphasis on the cooperative model (Experience the Power of Us). On January 1, 2013, Arizona Federal introduced a monthly membership fee of $3 per month. On December 31, 2013 Arizona Federal returned $5 million to its participating members and on December 31, 2014 PLUs payments to members totaled $6 million. In 2015, Arizona Federal introduced personal finance web series: (My Comeback ). Through this reality show, Arizona Federal partnered contestants with Arizona Federal financial coaches, who would assist the contestants in turning around their financial lives. While the first season of the reality show is still underway as of April 24, 2015, the person(s) competing on the reality show have the opportunity to win $20,000 for making the biggest financial comeback. Arizona Federal maintains a unique pricing strategy. Its member/owners contribute monthly membership dues of $3 to the cooperative, which provides them with access to all of the credit union's services including: identity protection and credit monitoring services, personal financial management software, mobile apps and mobile deposit services, complimentary credit report review and consultation, transaction services, car buying services, complimentary insurance consultation, investment services, discounts at national retailers, and more. Participating members also share in the proceeds of the credit union through the PLUs program - indicative of a true cooperative business model. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Arizona Federal Credit Union」の詳細全文を読む スポンサード リンク
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