What is membership really worth?

July 25, 2013 · By Kelvin Smith

There’s a lot to being one of Us that we might be missing out on – and it’s worth a lot more than $3 a month. Find out what’s available to you and start taking advantage of it. I’m certain you’ll be better off for doing so, as you discover more and more how valuable it is to be one of Us!

[Read more]


Picture a world (or just yourself) with no financial stress

March 06, 2013 · By Kelvin Smith

According to a recent survey, only 16 percent of American workers said they had no financial stress - a problem that has been found to lead to serious health problems, including some that are fatal! The question is: what can we do about it?

[Read more]


Merchant credit card surcharges a non-event? Maybe not.

February 14, 2013 · By Kelvin Smith

As of January 27. merchants could start charging their customers extra to use a credit card when making a purchase. Though it quickly became apparent that few would actually do it, that doesn't mean this is a non-issue.

[Read more]


Fee or no fee, electronic statements are the right thing to do

February 01, 2013 · By Kelvin Smith

Using eStatements is good for the environment and the credit union, and is even more secure. Have you switched yet?

[Read more]


Why participation matters

January 25, 2013 · By Kelvin Smith

We need members who will use the credit union for their daily transactions and turn to Us when they need loans, investments, insurance, and expert advice. And when members do use Us that way, those are the members who will receive PLUs.

[Read more]


Us-onomics 101: The funding of the cooperative

January 17, 2013 · By Kelvin Smith

As I was preparing to write today’s post I received some unofficial financial results for 2012. Here are some highlights ...

[Read more]


Why membership is worth the cost

January 10, 2013 · By Kelvin Smith

With membership comes responsibility, including the responsibility to contribute an equal share to capital. That is what the whole concept of dues is all about.

[Read more]


A Matter of Principles part two

December 20, 2012 · By Kelvin Smith

Some see the collection of membership dues as a ploy to increase revenue. This perception couldn't be further from the truth.

[Read more]


It’s a matter of principles

December 13, 2012 · By Kelvin Smith

If you’re going to understand what we’re about and why, you’re going to need to understand the seven cooperative principles.

[Read more]


Cooperatively Speaking

December 10, 2012 · By Kelvin Smith

If you’re like some of the people who utilize the credit union’s services, you might think of Arizona Federal as just another bank ... I am living proof that we’re something very different.

[Read more]