AMERICAN AIRLINES FEDERAL CREDIT UNION : IT ALL ADDS UP WINTER 2010 ® WINTER 2010 Features [ 12 ] Pay it forward Helping your neighbor used to be a common American value. The gesture A WORD From the CEO Value adds up The search for value is never more intense than when times are tough. We are all looking for it everywhere Planning for life. Trust us to guide you through life’s financial journey. Retirement, investment and insurance services for life. Because no one has FOUNDATION Laying the groundwork for ?nancial success Stimulus savings Finding good financial news has been tough. But there is a silve Book reviews The New Frugality: How to Consume Less, Save More, and Live Better (Bloomsbury Press) By Chris Farrell What’s a “sustainable” lifestyl FOUNDATION Laying the groundwork for ?nancial success On the money Ignorance is not bliss, especially when it comes to financial sta Saving is easy Anybodycantellyouhowtosaveabuck.Butwhat about saving big — say, $100 a month, starting today? It’s absolutely possible to do, painles The bene?ts of buying stock in your company can add up. Just know what you’re working with. T o savvy savers, the onset ers like to spend, and they’ll be back. So if you have a long investment horizon like a 401(k), this can be an attractive time to buy.” Employe Prepackaged companies are a popular business opportunity in the current economy. By Joseph Guinto Sure, the country is slowly e — who has founded more than four franchise operations, including Home Helpers and Fresh Coat Painters — says applications from potential franchisees pay it forward Everyday Americans seize the possibility that lurks behind the static economy By Tracy Staton T he “coffee c Take Marilyn Mock. She went to a Dallas foreclosure auction with her son with the idea to invest in real estate. She ended up helping Tracy Orr, “I hope we will all use this compound crisis as a reminder that the hard times are very often the very best of times.” — Liz McLellan from the hospi Green Opportunity Looking for a new career? Jobs in the renewable energy sector are on the rise. By Chr = verything in Tommy Whiteaker’s life energyconservation.“ButIdidn’tknowmuch changed a couple of years ago when he >a]d\kg^_j]]f Somewhat ironically, the debate over the current state of the environment has sparked the uptick in green jobs. In the quest t ÉAloYk`m_][gfka\]jaf_o] o]j]hdY[af_klm\]flk\mjaf_ l`]j][]kkagf$o`]fYdglg^ h]ghd]Yjgmf\l`] 20 | | Winter 2010 By Mark Henricks S o you have big dreams of owning your own company. If only you didn’t have this nine-to-five yo Take First, start by doing a self-inventory to see if you have what it takes to Emerging Careers Today, many young people go through a period from the late teens through the late 20s during which they frequently change jobs. Tha For skills that you can’t learn at work, consider signing up for a class or taking a part-time job that offers the learning o M App mbe licati r on e Once a Member Always a Member Welc ome to AA Credit Un ion To join, or make changes to your current account, complete membership application. New members return with initial minim Products and Services Offered by AA Credit Union Share/Checking Services Note: Mark the account(s) and service(s) you are requesting and complete all Bene?ciary for Payable on Death (P.O.D.) P.O.D. (PAYABLE ON DEATH) ACCOUNT AGREEMENT: I/We agree with the Credit Union that the person(s) named below 7HOIS!!#REDIT5NION Membership bene?ts and eligibility "U""$SFEJU6OJPO XIFOZPVSFBNFNCFS ZPVSF also an owner. It’s a different approach. As an AA $SFE YOUTH 9OUTH9OUNG!DULTS AA Credit Union will start your ?nancial future off in the right direction Ready for Checking? Consider our Eagle Checking a &EATURED -EMBER4ESTIMONIALS MEMBERS Dear Angie Owens, My husband and I recently visited the Schiller Park branch primarily to order check SAVINGS 3HARE3AVINGSAND#ERTI½CATES No matter what you’re saving for or how much you’re starting with, you can choose an account that earns competiti Share Certi?cate Ladders -PPLJOH GPS B TNBSU JOWFTUNFOU UIBU XJMMQSPWJEFZPVNBYJNVNEJWJEFOETBU secured rates while maintaining liquidity? #ZUBLJOHBEWB CHECKING #HECKING!CCOUNTS We understand that your ?nancial needs are as unique as you are. That’s why we offer several checking account options to c )NVEST,INK? *OWFTU-JOLJTBOBDDPVOUUIBUQBZTDPNQFUJUJWF EJWJEFOE SBUFT XIJMF QSPWJEJOH DIFDL BDDFTT UPGVOET %JWJEFOET PO UIF *OWFTU-JOL BDDPV INVEST )NVESTING)NSURANCE Your AA Credit Union membership offers you access to unique opportunities to protect your family and your possessions as w (OME,ENDING Whether you’re a ?rst-time homebuyer, seeking a more affordable monthly payment or thinking about buying a second property, we make it s HOME LOANS (OME,ENDING Mortgages, Home Equity and Home Equity Line of Credit (HELOCs) Unique Loans If your needs don’t ?t within the framework of m Re?nancing Programs As interest rates continue to change, re?nancing your mortgage may save you money on your monthly payment if the curre AUTO LOANS !UTO,OAN"ASICS Our goal is to help you buy wisely and save money, not simply to provide you with a loan Car Buying Coaches Our Credit Un )NTERCONTINENTAL7ARRANTY3ERVICES)73 A factory warranty is not enough As most car repairs occur after the manufacturer’s warrant expires AUTO LOANS !!#REDIT5NIONCONGRATULATES AUTOPROMOTIONWINNERS American Airlines Federal Credit Union is proud to announce the winners of our recent aut !UTO2ECREATIONAL,OANS AUTO LOANS In addition to great ?nancing on new and used cars and trucks, we also offer attractive ?nancing on a variety of rec CREDIT CARDS !!#REDIT5NION#REDIT#ARDSOFFERMORE CHOICESGREATRATESANDEXCLUSIVEBENE½TS 7EHAVEACARDFORALLOFYOURDIFFERENTNEEDS3ELECT CREDIT CARDS Visa® Platinum Credit Card If you’re looking for a card that offers a great interest rate, we offer the Visa® EDUCATE 0ERSONAL ,OANS If you’re thinking about a loan, AA Credit Union gives you real choices. 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