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Who is American Airlines Credit Union?
MEMBERSHIP BENEFITS AND ELIGIBILITY
At American Airlines Federal Credit Union, when you’re a member, you’re also an owner, becoming part of a member-owned, not-for-profit cooperative financial institution. The Credit Union was founded in 1936 by a small group of Chicago American Airlines employees who envisioned a place where employees and their family members could assist each other. That original plan has flourished. Today, American Airlines Credit Union has more than 313,000 member-owners. And as a memberowner, you share in our success. That’s why we’re especially committed to bringing you more choices, more options and a higher level of service.
How can we help?
WHO’S ELIGIBLE FOR MEMBERSHIP?
Our Credit Union is open to anyone working in the air transportation industry* and their families. This includes:
• All active and retired employees of American Airlines and its subsidiaries.
• Employees who work in the air transportation industry such as: airline employees; employees who work directly in administration, regulation or security for airports, airlines or air transportation, such as TSA, FAA and others.
• Families: Member-owners can sponsor membership for their spouse, children, parents, siblings, grandparents, grandchildren and permanent household members with same physical address.
BECOME A MEMBER!
Interested in becoming a member? Visit Join.AACreditUnion.org and apply online or simply fill out the attached form and mail it in.
Share Savings and Certifi cates
No 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 Union
SHARE 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 one
• Traditional savings protected by the National Credit Union Share Insurance Fund (NCUSIF)
• Access 24/7 by phone, online banking and our app
• Secondary savings accounts available to help you save for a rainy day, vacation or those unexpected expenses
• Online banking and online statements
A 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.
FEATURED
Member Testimonials
Dear Gail Enda, Thank you to Natasha Ramsagar at your LGA branch for helping me set my children up on a hopefully financially sound future at the Credit Union. Her level of service is outstanding — taking the time and patiently communicating with me every step of the way with various documentation needed throughout the entire process. She is an asset to your team and the Credit Union. I cannot imagine banking anywhere else because of people like Natasha and the outstanding level of service the Credit Union provides.
Denise K.
Dear Gail Enda, I just wanted to let you know how much I appreciate all that Lizbeth Cardenas at your LAX branch did to help me get my wire transfers completed. I’m sure she didn’t even think about all that she did to help me, as it‘s routine for her, but for me, she was an angel and miracle worker rolled into one! When I called her, I could just “hear” the smile through the phone and she was so kind and caring!
I just wanted to let you know how much I appreciate Liz and your entire team. They are truly kind and professional people!
Trinda M.
WRITE US
We would love to hear what you think about ®, our team members and products. Send your comments or member testimonials for possible inclusion in future issues to centsmag@ AACreditUnion.org.

Who is American Airlines Credit Union?

Share Savings and Certifi cates

FEATURED

Member Testimonials