AA Credit Union

Winter 2018

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A W O R D FROM THE CEO 2 | WINTER 2018 Our member-owners' dreams come in all sizes, and American Airlines Federal Credit Union is in the fulfi llment business. Whether you're trying to plan a trip around the world, buy the home you've always imagined or simply lead a stress-free fi nancial life, we're here to help. Throughout the year, we'll be highlighting products and special deals to help you dare to have a dream, see it realized, live it fully and then help your loved ones and others dream on. With the arrival of a new year, many of our members are daring to dream about reducing debt. But even if your track record on New Year's resolutions isn't stellar, we offer a number of solutions designed to put fi nancial freedom within your reach. That might mean refi nancing an existing auto loan or transferring balances from high-interest credit cards to take advantage of the low rates and excellent saving opportunities we provide. All of these services are conveniently in one place and we also have some new products coming soon that will help make your dreams even more attainable. As always, you'll fi nd lots of helpful information in this issue, including fi nancial habit-building tips for teens (Page 5), a step-by-step plan to conquer debt (Page 16) and expert advice on how to do so from personal fi nance bloggers (Page 48), plus so much more. Throughout the year, we'll also offer fi nancial advice and eye-opening tips on all the channels we use to communicate with you. And you know we're always here for you if you have any questions along the way. Let us help you make 2018 the year of your dreams! All the best, Angie Owens President & CEO President & Chief Executive Offi cer Angie Owens Senior Vice President, Marketing and Operations Lori Hall Vice President, Marketing & Business Development Lori Reeves Marketing Communications Manager Todd Camp A MERIC AN AIRLINES CONTENT SERVICES Publisher Jane Geelan-Sayres Creative Director J.R. Arebalo Jr. Editor-in-Chief Jennifer Robertson Norris Managing Editor Gina Mayfi eld Senior Designer Erica Espiritu Gonzalez Designers Sam Goodlin Esteban Jaramillo Account Manager KariAnne Harmon A MERIC AN AIRLINES Director of Finance John Pittman Senior Financial Analyst Tiana Saenz Distribution Manager John Depew EDITORIAL OFFICES 4333 Amon Carter Blvd., MD 5575 Fort Worth, TX 76155 jennifer.norris@aa.com ® is published by Content Services, a unit of American Airlines. ©2018 by American Airlines. 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. Dare to dream for the year ahead

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