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A W O R D FROM THE CEO 2 | SPRING 2019 We all know that just about any major endeavor, whether it's buying or building a home, remodeling your kitchen or a big landscape project, requires doing the proper groundwork. That's why American Airlines Federal Credit Union is at your side, ready to help you lay a solid foundation. Our members come to us at very different points in their lives. Many have worked with us for years and established a strong foundation. Others come to us with a shaky fi nancial foundation, or in other cases, no foundation at all having yet to establish credit. The good news is we love the opportunity to be at your side, building, repairing or laying entirely new foundations. We know for many their home is a key part of their family and fi nancial foundation. The Credit Union is here for you with a suite of mortgage products offering everything you might need, from fl oor to ceiling, along with personalized advise to help you navigate one of your largest purchases. We don't sell your loan which means all account servicing is done in house and we stay by your side for the life of your loan. We also offer lower-than-average closing costs. If you're looking to move or purchase your fi rst home, don't miss our mortgage offer this quarter. Check out the page inside the front cover for more details. If you already own a house and are looking for ways to turn it into more of a home, our Home Equity Line of Credit (HELOC) is just right for big-ticket expenses with fl exibility to draw over time. Using the equity you've already earned could help pay for everything from home improvement to educational expenses or even consolidating debt as part of your fi nancial wellness plan. This issue of ® offers plenty of helpful stories along those lines, including an examination of the current housing market (Page 12), getting the most out of your credit card purchases (Page 8), house remodeling tips and what to look for in renters' insurance (Page 4) along with much more. So when you're ready to lay a solid foundation for whatever comes next, call us or stop by a branch near you. Our welcome mat is always out. All the best, Gail Enda President & CEO President & Chief Executive Offi cer Gail K. Enda Senior Vice President, Marketing and Operations Lori Hall Vice President, Marketing & Business Development Lori Reeves Marketing Communications Manager Todd Camp Lay a solid foundation PUBLISHED BY Path Creative, LLC Creative Director J.R. Arebalo Jr. Editorial Director Jennifer Robertson Norris Account Director KariAnne Skinner Hendricks Operations Director Jennifer Arebalo Contributing Writers Brian Keagy, Mark Henricks, Gina Mayfi eld, Bridget McCrea Jordan Rane, Haley Shapley EDITORIAL OFFICES 2201 Long Prairie Road Suite 107-840 Flower Mound, TX 75022 editor@pathcreative.net ® is published by Path Creative, LLC ©2019. 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.