Your Credit Union and COVID-19

Last updated: 10/19/2020

During this challenging time we’re here to serve and support you. As the global impact of coronavirus (COVID‑19) continues to unfold, American Airlines Federal Credit Union is open for business while taking additional steps to protect the health, safety and well-being of our members, employees and communities.

How We Can Help

Loan Deferrals

At the start of the crisis in March, we automatically deferred all consumer and business loan payments for 30 days. You can submit a consumer loan deferral request within online banking. See our Emergency Relief Information page for more details about eligible loans.

If you haven’t signed up for our mobile and online banking services, you can do so by clicking here: Enroll in Mobile and Online Banking

If your circumstances change and you wish to make a payment during the deferral period, you can still do so by using our online banking platform or speaking with someone in the Member Advocacy Center.

Credit Cards, Mortgage and Home Equity Line of Credit (HELOC) loan deferrals are not automatic; however, they are available by request. See our Emergency Relief Information page for more details.

Remember: Make certain that we have the latest contact information for you, including email and phone number. This is important now more than ever as your loan deferral can’t be processed if your email doesn’t match the one we have on file. To update your information, log in to online banking and select “Settings” in the left-hand menu. Then select “My Profile” and check that your information is correct in all three options.

Emergency Loans

This loan is designed to help with the immediate needs of our members directly affected by COVID-19. This is an unsecured loan with an up to $3,000 credit limit. The first payment is deferred for 90 days and you can take up to 24 months to repay the loan. For more details, visit our personal loans page.

Please note: We’re experiencing higher call volume at this time and your wait time to speak with a representative for all departments may be longer than normal. Please be patient and we will assist as quickly as possible.

For more details on the many ways we can help with your loans and accounts, click here: Emergency Relief Information

Mobile Deposit for Savers

We are now offering our mobile deposit feature to our savings-only members. This will allow you to make deposits by using our mobile app on your smartphone. Simply log in to online banking and select “Make a Deposit” in the left-hand menu.

Once you select the account you’re depositing to, enter the amount (up to $1,500 max per day) and then “Capture Image.” Once you photograph the front and back of the check, just click “Submit Deposit” and you’re done!

Check(s) must be endorsed as follows: “For Mobile Deposit Only at AAFCU.”

Don’t have our mobile app yet?

Download from the app store links:

Download Credit Union mobile app for iOS

Download Credit Union mobile app for Android

Branch Availability

While we are continuing to provide full financial services, to better align with recent CDC recommendations regarding limiting the number of people who should congregate in a common area, we’re restricting member access to our branch lobbies effective Saturday, March 21. All of our branches will be closed on Saturdays* until further notice, but will operate under regular hours Monday through Friday.

During this period, branch employees will still be offering full services, including answering the phone, processing loans and taking deposits through the night drop box. If you need a check withdrawal, please contact your local branch and they will arrange to have it mailed or sent via Federal Express or to pick it up by appointment.

*Our HTC-Euless branch will offer expanded drive-thru hours of 9 a.m.-3 p.m. on Saturdays to better meet your needs.

The following branches are temporarily closed:


Boston (BOS), Logan International Airport, 200 Terminal B (Departure Level)


Nashville (BNA), 10 Rachel Drive


Fort Worth (Flagship Main Branch), 14050 FAA Blvd.
Fort Worth (Skyview 2), 13800 Airport Freeway

Sound and Strong

It’s important to remember that while this situation remains fluid and changes rapidly, American Airlines Credit Union is well capitalized, financially strong and dependably sound. We have more than 312,000 members, $7.7 billion in assets and more than 80 years of experience. The Credit Union is regulated by the National Credit Union Administration (NCUA) with deposits insured by the National Credit Union Share Insurance Fund (NCUSIF). For more information on share insurance, please visit to make use of their share insurance calculator.

Remote Banking

In order to better protect you and our team members, we’re encouraging members to continue to use our remote, self-service tools when possible. 

These options include:

By Web:

Use our online banking channel for secure access to your account 24/7. Apply for loans online or chat with a Member Advocacy Center representative.

If you haven’t signed up for our mobile and online banking services, you can do so by clicking here: Sign up for Mobile and Online Banking

By Mobile Devices:

Our mobile apps for smartphones and tablets allow you to access your account and find shared branches and ATMs.

You can also take advantage of our digital wallet options to make secure monetary transactions without having to make use of touch screens. Find out more about each below:

By Phone:

Our automated phone system gives you access to your account any time by calling (800) 533-0035, or you can talk with someone in our Member Advocacy Center. You can also call your local branch directly.

Economic Impact Payments

On March 30, 2020, the U.S. Treasury Department announced that distribution of Economic Impact Payments would be coming. Millions of payments have already been distributed. Most will arrive automatically, with no action required for eligible recipients. Members with account details on file with the IRS because of their 2018 or 2019 tax filings will receive payment via direct deposit.

For more information on these payments and how they affect your Credit Union accounts, as well as potential scams to watch out for, visit our blog on the subject here: Government Stimulus Checks

Stay Vigilant

Don’t forget that cyber criminals and scammers love to use adverse situations like the current COVID-19 crisis to try and take advantage of you. Beware of emails impersonating legitimate health organizations trying to trick you into revealing sensitive information such as user names, passwords and other personal information. Check out our phone scams blog, "Fight Back on Phone Scammers," for more details on what to watch out for. If you’re looking for information on the coronavirus, go directly to sources you know and trust and if you want to help, make sure to donate to well-known organizations directly through their website.

Our Changing Environment

Remember, American Airlines Credit Union remains at your side through times both prosperous and challenging, and we’re certain that we will weather this period together.

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