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D E PA R TM E N T S 08 Cord Cutters Data caps are looming. Here's what to keep in mind. 10 Scholarship success American Airlines Credit Union helps college students excel. F O U N D AT I O N 04 • Should we buy this year? • Cheap gas 05 • HSA vs. FSA 06 • What's the best auto loan strategy? 07 • Online banking security • App review: Simplify investing I N E V E R Y I S S U E 02 • A word from the CEO 25 • Who we are • Find information about American Airlines Credit Union services 27 • Member testimonials 44 • Employee spotlight 48 • Become a credit master FEATURES 12 Service Industry 2.0 The convenience economy is making life easier. Here's how. 16 College Credit 101 Learn the basics about building a strong fi nancial foundation with smart credit usage. 20 MBAs pivot toward innovation Challenge. Work-life balance. Business grads are fi nding success in tech. Photos and illustrations from Shutterstock unless noted. Cover photo courtesy of the ispot.com, Dan Page Collection. FALL 2016 AACreditUnion.org | | 01 D E PA R TM E N T S Cord Cutters PAGE 12 PAGE 8