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Our Rates


Type APY as high as
Priority 2.27%
Flagship   .50%
Rates subject to change
APY=Annual Percentage Yield
Rates Effective January 01, 2018
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Type APY as high as
Savings    1.36%
IRA Savings    1.36%
Share Certificates 2.17%
Rates subject to change
APY=Annual Percentage Yield
Rates Effective January 08, 2018
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Auto/Vehicle Loans

Type APR as low as
New Auto 1.49%
Used Auto 1.49%
RV 5.74%
Rates subject to change
APR=Annual Percentage Rate
Rates Effective January 01, 2018
View More Rates  View Disclosures
Apply for your Auto Loan Online

Home Loans

Type APR as low as
15 Year Fixed 3.214%
30 Year Fixed 3.874%
5/1 ARM (30 Year) 3.868%
Rates subject to change
APR=Annual Percentage Rate
Rates Effective December 18, 2017
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Apply for your Home Loan Online

Visa® Credit Cards

Type APR
Platinum 8.25% - 13.49%
Rewards 9.75% - 15.49%
Secured 13.49%
Rates subject to change
APR=Annual Percentage Rate
Rates Effective January 01, 2018
View More Rates  View Disclosures
Apply for your Credit Card Online


Monday–Saturday, 8am–5pm, CST

More contact options
P.O. Box 619001 MD 2100, HDQ
DFW Airport, TX 75261-9001
(800) 533-0035
(817) 952-4500 | Outside USA, Canada, Puerto Rico, & U.S. Virgin Islands
ABA / Routing # 311992904

Auto Promo

Refinance Your Auto Loan and Save

Text Size: Text Size Small Text Size Medium Text Size Lagre

Enter to win up to $2,500 to pay down your loan balance*

Whether you are looking to save money because you need to, want to, or like the idea of having your loans all in one place, we have solutions to help make your financial dreams a reality. Follow the steps below to get started:

  1. Refinance a Vehicle Loan
  2. Talk to your Loan Officer and look for the opt-in form with your loan documents
  3. Wait to see if you are one (1) of six (6) winners to win up to $2,500 to pay down your loan balance!

Financial solutions that work for you

  • Rates as low as 1.49% APR**
  • 0.50% APR off your qualifying rate with our Loan Loyalty and Direct Deposit Discounts***
  • Flexible Terms
  • 100% financing options
  • Optional GAP¹ and Extended Warranty offerings²

Click here to get pre-approved today.


* NO PURCHASE NECESSARY: Void where prohibited by law. Promotion open to individuals legally residing in the 50 United States who are 18 years or older. Winners must be in good standing of American Airlines Federal Credit Union. Need not to be present to win and will be notified by phone, email and/or mail. All entries must be received by 11:59 p.m. Central Time on 03/31/2018. Maximum prize value is $2,500 and will be applied to the member’s Qualifying Loan. If member’s Qualifying Loan balance is less than $2,500 then prize amount will equal the total dollar amount transferred during the promotion period up to the maximum of $2,500. Odds of winning depend upon the number of entries received. To enter the drawing, Qualifying Loans must be applied for and funded and include the following activities: 1) Open a new Platinum or Platinum Rewards Credit Card and complete balance transfer(s) of at least $500 from any non-American Airlines Credit Union account by 03/31/2018 and/or 2) Refinance a vehicle loan from outside of the Credit Union to the Credit Union or conduct an internal refinance with an additional $2,500 added to the refinanced loan amount. Member must also agree to the Dare to Dream up to $2,500 affidavit that is presented to them in their loan documents. A random drawing will be conducted from among all eligible entries received by sponsor and will take place on or before 04/30/2018. If a winner cannot be contacted within five (5) business days of the drawing date, the prize will also be forfeited and an alternate winner selected. Any bonuses or monies received in association with this promotion are subject to IRS reporting requirements. Recipients are responsible for income tax liability, if applicable. American Airlines Credit Union employees, their immediate family members and household members are not eligible for promotion. See official rules at Dare to Dream Official Rules for additional information and ways to enter.

** APR is Annual Percentage Rate and is accurate as of 01/01/18 for a 36 month term. All rates are subject to change without notice. Loans are subject to credit approval and Credit Union lending guidelines. The 1.49% APR as shown includes a 0.50% discount on new or used vehicle loans up to a 36-month term. 1.49% is not valid on an internal refinance unless an additional $2,500 is added to the refinanced loan amount. The 1.49% APR is reserved for qualified buyers. On a $20,000 auto loan with no down payment and a 36-month term at 1.74% APR, the approximate monthly payment would be $570.61.This sample payment is calculated prior to Direct Deposit discount. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible. Ask the Credit Union for more details.

*** 0.25% Loan Loyalty discount is available for members having two or more loans with a balance in the last two years. Auto loans need activity within the last four years. 0.25% discount will be given for Direct Deposit into an American Airlines Federal Credit Union Checking Account. Direct Deposit discount begins on the first month after the loan is funded and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member’s checking account and the member remains in good standing. Maximum combined discounts is 0.50% APR. No rate discounts or offers apply other than a New Member Welcome Aboard or Loan Loyalty rate discount of 0.25% and an additional 0.25% off qualifying APR with Direct Deposit. Direct Deposit discount applies when you fund a new or used auto, boat, plane, or RV and set up Direct Deposit to your American Airlines Credit Union checking account. Loan Loyalty discount applies to qualified loans with prior lending history with us. Not all loans are eligible.

¹ MEMBER’S CHOICE Guaranteed Asset Protection may vary by state and then by Credit Union. In states where GAP protection is an insurance product, MEMBER’S CHOICE Guaranteed Asset Protection is made available and underwritten by CMFG Life Insurance Society, Inc. In States where GAP is a debt cancellation product, MEMBER’S CHOICE Guaranteed Asset Protection is made available through your credit union and administered by CMFG Life Insurance Company

² Mechanical Breakdown insurance is available in Alaska, Maine, Massachusetts, Oregon, and California.


Enrollment is temporarily suspended for online banking.

We’re preparing to bring you a new online banking system. Due to this process, new first time enrollments for online and mobile banking will be temporarily unavailable between June 10 and June 16, 2015.

Once the new system is available on June 17, you’ll be able to complete your enrollment and enjoy our new experience.

Existing users can continue to log in with their credentials with no interruption.

We apologize for any inconvenience.