AA Credit Union

SAVINGS 28 | | Winter 2016 S H A R E A C C O U N T S ( S AV I N G S) 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) • Unlimited 24-hour telephone access to account information via CALL-24 • Exclusive rate discounts on most approved loans with Direct Deposit • Access to the full array of member benefi ts • Secondary savings accounts available to help you save for a rainy day, vacation or those unexpected expenses • Free online banking • Option to sign up for 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. S H A R E C E R T I F I C AT E S 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. S H A R E C E R T I F I C AT E L A D D E R S Looking for a smart investment that will provide you maximum dividends at secured rates while maintaining liquidity? By taking advantage of one of our Share Certifi cate Ladders and staggering the maturities of your Share Certifi cates, you can do just that! Here's how. We off er a two-rung ladder for 30 and 60 months; a three-rung ladder for 12, 24 and 36 months; and a fi ve-rung ladder for 12, 24, 36, 48 and 60 months. Investing in several Share Certifi cates at one time with diff erent 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. 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 Credit Union Share Savings and Certifi cates Federally insured by NCUA Penalties apply for early withdrawal. Please refer to our rate and fee schedule for details. The penalty will equal 180 days dividends for Certifi cates with a term of twelve (12) months, twenty-four (24) months, thirty (30) months and thirty-six (36) months. The penalty will equal 365 days dividends for certifi cates with a term of forty-eight (48) months and sixty (60) months. American Airlines Credit Union is an independent member-owned coopera- tive 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. Fees may reduce earnings on the account. Important Notice Regulation D (Reg D) is a Federal Reserve requirement that is imposed on all fi nancial institutions to limit transfers and withdrawals on nontransaction accounts like savings accounts. Each month, you are limited to six withdrawals and/or transfers from your savings account made by telephone, online banking, pre-authorized transfer or transfer for overdraft protection. Transfer requests made in person or by ATM are unlimited. The following transactions are limited to six (6) per month: • Transfers from savings to another deposit account made by CALL-24 or online banking • Transfers from savings to another deposit account requested by phone through a Credit Union representative

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