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.
Checking Accounts
There are a number of checking options when you do business with us. All of them offer no monthly service fees or provide easy ways to avoid one.
ASCEND CHECKING
Enjoy checkless banking that helps you stay in control of your finances.
• No monthly service fees with direct deposit of $250 or more
• Stay in control — no overdraft protection
• Mobile deposit access1
SIMPLIFIED CHECKING
PRIORITY CHECKING
Enjoy additional benefits for doing a few simple things each month.3
• No monthly service fee
• No minimum balance Qualified benefits include: - Up to $20 in ATM fee rebates - Premium dividend rate4 -Monthly foreign transaction fee rebate on international purchases
ALL CHECKING ACCOUNT FEATURES
• Mobile and online banking with mobile deposit
• Free bill pay
• Direct deposit discount on select loans
• Visa® debit card with chip-enabled technology
• Online card management (including travel notifications and card on/off)
• Mobile wallet payment options
• Zero liability for unauthorized debit card transactions7
• 24/7 debit card fraud monitoring
• Unlimited access to Credit Union and in-network ATMs
FLAGSHIP CHECKING
Perfect for members who carry a higher balance and want to earn additional benefits.
• No monthly service fee with $750 minimum daily balance
• Monthly dividend
• One Connection Point™ for every $3 spent2
• Wire funds domestically with no fees (up to two wires a month)
• First eight non-network ATM transactions free
• Foreign transaction fee rebate on international purchases
• Our highest debit card spending limits
• Our highest mobile deposit limit
A PREMIUM EXPERIENCE
UCHECKING CHECKING
For younger members ages 13-255 , this account was custom designed with their lifestyle in mind.
• No monthly service fee
• No minimum balance requirement Qualified benefits include6 : -Up to $15 in ATM fee rebates
EVERYDAY CHECKING YOUTH ACCOUNT
1 Mobile services require web access. Message and data rates may apply. Check with your mobile provider.
2 Must have the American Airlines Credit Union Visa Platinum Rewards credit card to earn Connection Points on debit card purchases — valid only on Flagship Checking accounts.
3 To qualify for upgraded Priority Checking benefits on a monthly basis you must have a minimum of 15 debit card purchases posted per month, maintain a direct deposit of $250 or more and enroll in online statements.
4 APY is Annual Percentage Yield. Fees may reduce earnings on the account. Priority Checking dividend is calculated by average daily balance. Member must be in good standing to be eligible. No minimum deposit to open account. No minimum balance required. Please see our rate and fee schedule for more information. All checking accounts subject to credit approval.
5 Members under 18 years of age will require a joint owner at least 18 or older to open a uChecking Account. Subject to credit approval.
6 To qualify for upgraded UChecking benefits you must have a minimum of fifteen (15) debit card purchases posted per month and enroll in online statements.
7 Zero Liability Policy does not apply to ATM transactions, PIN transactions not processed by Visa, or if you were negligent or fraudulent in the handling of your card, including failure to report loss or theft in a timely manner.
Connection Points powered by CURewards®.
Visit us online at AACreditUnion.org/checking or call (800) 533-0035 for more information.