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We've SPREAD Our benefits *Referring member account must member's account with this promotion standing to be are not eligible membership to regulation or directly with air airport janitorial services. When paper application, section. American Airlines Federally Helping financial We offer talking ductive, ship with the gift Who you • Children • Parents EARN for sharing A W O R D FROM THE CEO 2 | FALL 2019 The home stretch for 2019 is upon us and as we begin to leave behind the oppressive summer days and welcome in the cool autumn nights, it's the perfect time to start thinking ahead. So far this year, we've encouraged you to draw your fi nancial blueprint, lay a solid foundation and frame your potential. Now, as fall approaches, it's time to build your next story. At American Airlines Federal Credit Union, we recognize that it's diffi cult to envision your future without knowing how you're going to pay for it. That's why we're here to help. One of our best tools to create a solid, long-term savings plan is our share certifi cates. Even if you don't have a lot of extra cash, our Dream Plan Share Certifi cates can help you get a handle on your dreams without having to invest a large amount of money at one time. By starting small, with as little as a $25 monthly investment, you can build those savings over time and reach your goal even sooner than you think. If you have a bit more to set aside but are nervous about committing to a three- or fi ve-year certifi cate, you might consider a Share Certifi cate Ladder. It gives you peace of mind knowing a portion of the ladder matures in just one year but you get the benefi t of longer term certifi cate rates. Each year, as a portion of the ladder matures, you can assess whether it's the time to start the next chapter in the story or if continued investment is the way to go. To fi nd out more about this quarter's offers, see our ad on the inside front cover, and to learn more about the Credit Union's variety of savings options, be sure and check out the story on Page 8. As we get ever closer to the season of giving, it's worth remembering that as a Credit Union member, you've got benefi ts worth sharing. Why not share the gift of membership with your eligible family members, friends and coworkers? You can even earn a little holiday cash for spreading the word. Find out more in our ad on the following page. You'll also fi nd several pieces in this issue of ™ to help you get started on that next story, including exploring the different types of personal loans available (Page 5), taking advantage of joining a money club (Page 10), appreciating the role of small businesses (Page 12), putting those savings to use on an island adventure (Page 20) and much more. All the best, Gail Enda President & CEO President & Chief Executive Offi cer Gail K. Enda Senior Vice President, Marketing and Operations Lori Hall Vice President, Marketing & Business Development Lori Reeves Marketing Communications Manager Todd Camp Build your next story PUBLISHED BY Path Creative, LLC Creative Director J.R. Arebalo Jr. Editorial Director Jennifer Robertson Norris Senior Editor Sherri Burns Account Director KariAnne Skinner Hendricks Operations Director Jennifer Arebalo Contributing Writers Karen J. Bannan, Brian Keagy, Gina Mayfi eld, Bridget McCrea, Jordan Rane, Tamekia Reece, Haley Shapley EDITORIAL OFFICES 2201 Long Prairie Road Suite 107-840 Flower Mound, TX 75022 editor@pathcreative.net ™ is published by Path Creative, LLC ©2019. All rights reserved. No part of this magazine may be reprinted or otherwise duplicated without the written permission of the editor and American Airlines Federal Credit Union. American Airlines Credit Union and CAARS are registered trademarks of American Airlines, Inc. This publication may provide links or references to internet sites as a convenience to our readers. While American Airlines Credit Union endeavors to provide resources that are reputable and safe, we are not responsible for the information, products or services obtained on such sites and are not liable for any damages arising from your access to such sites. The content, accuracy and opinions expressed and the links provided by these resources are not monitored or endorsed by American Airlines Credit Union. These articles are for general information purposes only. American Airlines Credit Union urges its members to do independent research and to consult with fi nancial and legal professionals before making fi nancial decisions. The opinions expressed by the authors do not necessarily refl ect the opinions and views of American Airlines Credit Union, nor does the inclusion of the articles in this magazine constitute endorsements by the authors or American Airlines Credit Union of any of the products advertised therein. ® and cent$ ® : it all adds up are registered trademarks of American Airlines Federal Credit Union. American Airlines Credit Union and the Flight Symbol are marks of American Airlines, Inc.