Share Savings and Certifi catesNo matter what you’re saving for or how much you’re starting with, you can choose an account that earns competitive dividends at American Airlines Federal Credit UnionSHARE ACCOUNTS (SAVINGS)* As a member of American Airlines Credit Union, you have at least one savings account. For only a $5 minimum deposit and a one-time $1 membership fee, you enjoy:Dividends that start accumulating from day oneTraditional savings protected by the National Credit Union Share Insurance Fund (NCUSIF)Access 24/7 by phone, online banking and our appSecondary savings accounts available to help you save for a rainy day, vacation or those unexpected expensesOnline banking and online statementsA prospective dividend rate is set by the Board of Directors each month and paid on the fi rst business day of the following month.SHARE CERTIFICATES** At American Airlines Credit Union, you can open a Share Certifi cate for as little as $1,000 per term. Terms of Share Certifi cates are: 12, 24, 30, 36, 48 and 60 months.SHARE CERTIFICATE LADDERS** Looking for a smart investment that will provide you maximum dividends at fi xed rates while maintaining liquidity? By taking advantage of one of our Share Certifi cate Ladders, you can do just that! Here’s how.Investing in several Share Certifi cates at one time with different maturity dates is a Share Certifi cate Ladder. Laddering provides steady returns. The Share Certifi cate Ladder allows you to take advantage of premium dividend rates. It also gives you a certain amount of liquidity. At maturity, if you choose to renew to a new certifi cate for a term equal to the longest term of your ladder, you may achieve a higher return on your investment.We offer a two-rung ladder for 30 and 60 months; a three-rung ladder for 12, 24 and 36 months; and a fi verung ladder for 12, 24, 36, 48 and 60 months.EMERGENCY FUND SECOND SHARE ACCOUNT* Start setting aside money for those unplanned emergencies with this interest-bearing savings account.As an added benefi t, you can set up a monthly recurring deposit of a specifi ed amount you determine or make deposits on your own. It’s never a bad idea to have money set aside for a rainy day.Federally insured by NCUA* American Airlines Credit Union is a member-owned cooperative fi nancial institution. Your savings are federally insured up to $250,000 and backed by the full faith and credit of the United States Government. Dividends on savings are paid monthly and subject to change monthly. Fees may reduce earnings on the account. ** Please refer to our rate and fee schedule for details. Penalties may apply for early withdrawal.The penalty will equal 180 days dividends for Certifi cates with a term of 12 months, 24 months, 30 months and 36 months.The penalty will equal 365 days dividends for certifi cates with a term of 48 months and 60 months. The penalty will be imposed regardless of whether dividends equal to the amount of the penalty have been earned at the time of the withdrawal.