Share Savings and CertificatesNo 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 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)
Access 24/7 by phone, online banking and our app
 Secondary savings accounts available to help you
save for a rainy day, vacation or those unexpected
expenses
 Online banking and 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 CERTIFICATES**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 CERTIFICATE LADDERS**Looking for a smart investment that will provide you maximum dividends at fixed rates while maintaining liquidity? By taking advantage of one of our Share Certificate Ladders, you can do just that! Here’s how
     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.
      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.

EMERGENCY FUND SECOND SHARE ACCOUNT*Start setting aside money for those unplanned
emergencies with this interest-bearing savings account.

As an added benefit, you can set up a monthly recurring deposit of a specified amount you determine or make deposits on your own. It’s never a bad idea to have money set aside for a rainy day

Federally insured by NCUA
* American Airlines Credit Union is a 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 and subject to change monthly. Fees may reduce earnings on the account.
** Please refer to our rate and fee schedule for details. Penalties may apply for early withdrawal.
The penalty will equal 180 days dividends for Certificates with a term of 12 months, 24 months, 30 months and 36 months. The penalty will equal 365 days dividends for certificates with a term of 48 months and 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.
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