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28 | WINTER 2018 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) • Unlimited 24-hour telephone access to account information • Exclusive rate discounts on most approved loans with Direct Deposit • Access to the full array of member benefits • 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 first business day of the following month. SHARE CERTIFIC ATES** At American Airlines Credit Union, you can open a Share Certificate for as little as $1,000 per term. Terms of Share Certificates are: 12, 24, 30, 36, 48 and 60 months. SHARE CERTIFIC ATE L ADDERS** 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 Certificate Ladders and staggering the maturities of your Share Certificates, you can do just that! Here's how. We offer a two-rung ladder for 30 and 60 months; a three-rung ladder for 12, 24 and 36 months; and a five-rung ladder for 12, 24, 36, 48 and 60 months. Investing in several Share Certificates at one time with different maturity dates is a Share Certificate Ladder. Laddering provides steady returns. The Share Certificate 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 certificate for a term equal to the longest term of your ladder, you may achieve a higher return on your investment. Federally insured by NCUA * American Airlines Credit Union is an independent member-owned cooperative financial 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. ** Penalties apply for early withdrawal. Please refer to our rate and fee schedule for details. The penalty will equal 180 days dividends for Certificates 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 certificates with a term of forty-eight (48) months and sixty (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. 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 Savings and Certificates Savings