Business Services

SMALL BUSINESS

Starting a small business is an exciting venture, but succeeding at business is a complicated proposition. That’s why we offer a number of value-added services and savings to our member business owners to help promote successful small businesses across the country.

Checking Accounts

Enjoy more spending power with higher-than-average debit card and mobile deposit limits. You can also manage your expenses easily and conveniently, check your account balances, transfer funds or pay your bills electronically with online and mobile banking.¹

SECONDARY CHECKING

Make your bookkeeping easier with a secondary checking account to manage business expenses such as billing payroll and taxes and keep them separate from your primary checking account.

Apply for Business Membership

Savings Accounts

Take advantage of our convenient savings account for competitive returns for your business’ short-term savings needs. This dividend-earning account is only $25 to open with no monthly service fee and the first 10 deposited and 10 paid items free. Member-initiated fees may apply.*

* See our Business Rate & Fee Schedule for more information.

Checking Accounts

Enjoy more spending power with higher-than-average debit card and mobile deposit limits. You can also manage your expenses easily and conveniently, check your account balances, transfer funds or pay your bills electronically with online and mobile banking.¹

SECONDARY CHECKING

Make your bookkeeping easier with a secondary checking account to manage business expenses such as billing payroll and taxes and keep them separate from your primary checking account.

Apply for Business Membership

Savings Accounts

Take advantage of our convenient savings account for competitive returns for your business’ short-term savings needs. This dividend-earning account is only $25 to open with no monthly service fee and the first 10 deposited and 10 paid items free. Member-initiated fees may apply.*

* See our Business Rate & Fee Schedule for more information.

Primary Checking Account Features

Take advantage of this unique account specially designed for business owners. With a $1.00 membership fee and low minimum balance, it’s quick and easy to get down to business.

Features include:

  • No monthly service fees*
  • Low $25 minimum daily balance requirement
  • Monthly dividend ²
  • First 100 deposited and paid items free ³
  • Mobile & Online banking with secure statements
  • Business Visa® debit card with Zero Liability Protection†
  • Digital wallet payment options
  • 24/7 Fraud Monitoring
  • Online Card Management, including travel notifications and card on/off
  • Overdraft Protection Options

Credit Cards

Our business card enables business owners to control their expenses by offering multiple cards on one account, ATM access around the world and the ability to earn Connection Points.™

Learn more about Business Visa Platinum Credit Card

Apply Now

Loans

We have a number of different loan products – from auto and equipment to real estate – designed to help your business achieve success. Scroll down to view available loan types.

Review Business Loan options

Credit Cards

Our business card enables business owners to control their expenses by offering multiple cards on one account, ATM access around the world and the ability to earn Connection Points.™

Learn more about Business Visa Platinum Credit Card

Apply Now

Loans

We have a number of different loan products – from auto and equipment to real estate – designed to help your business achieve success. Scroll down to view available loan types.

Review Business Loan options

BUSINESS LOAN OPTIONS

AUTO

Finance vehicles for business purposes, including new or used autos, trucks and vans.

OTHER VEHICLE LOANS

In addition to competitive financing on autos, we also offer help fund business aircraft, boats and vessels.

EQUIPMENT

We recognize that equipment is vital to the success of any small business, and we’re here to keep you competitive.

REAL ESTATE

If you're looking to purchase, refinance or invest in a commercial property or residential investment property, our business real estate financing offers solutions to help you secure funding.

LINE OF CREDIT

Meet your short-term cash needs, purchase inventory or create an emergency fund with this loan secured with shares, inventory, equipment or real estate.

OVERDRAFT PROTECTION

We offer up to $2,000 in overdraft protection for qualified borrowers.

APPLY NOW

Our Rates*

  • APY as high as

    2.27%

    Checking Account

    Priority Checking

  • APY as high as

    1.46%

    Savings Accounts

    (Share) Savings Accounts

  • APY as high as

    1.46%

    Savings Accounts

    IRA Savings

  • APY as high as

    2.94%

    Share Certificates

    Regular Share Certificates

*Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective November 01, 2019.

Our Rates*

  • APR as low as

    2.35%

    New Auto

    Vehicle Loans

  • APR as low as

    2.35%

    Used Auto

    Vehicle Loans

  • APR as low as

    5.24%

    RV

    Vehicle Loans

*Auto Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective November 01, 2019.

Our Rates*

  • APR as low as

    3.292%

    15-Year Fixed

    Home Loans

  • APR as low as

    3.665%

    30-Year Fixed

    Home Loans

  • APR as low as

    4.390%

    5/1 Arm (30-Year)

    Home Loans

*Home Loan Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 04, 2019.  View Full Disclosures.

Our Rates*

  • APR

    8.75% - 13.99%

    Platinum (Low Rate)

    Credit Cards

  • APR

    10.25% - 15.99%

    Rewards

    Credit Cards

  • APR

    13.99%

    Secured

    Credit Cards

*American Airlines Credit Union Visa Consumer Credit Card Application and Solicitation Disclosure

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2019.

Our Rates*

  • APY as high as

    0.15%

    Business Checking

    Checking Accounts

  • APY as high as

    1.25%

    Business Savings Account

    (Share) Savings Accounts

*Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective November 1, 2019.

Our Rates*

  • APR

    10.99% - 16.99%

    Platinum

    Credit Cards

*Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2019.

Our Rates*

APY as high as

2.27%

Checking Account

Priority Checking

APY as high as

1.46%

Savings Accounts

(Share) Savings Accounts

APY as high as

1.46%

Savings Accounts

IRA Savings

APY as high as

2.94%

Share Certificates

Regular Share Certificates

*Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective November 01, 2019.

APR as low as

2.35%

New Auto

Vehicle Loans

APR as low as

2.35%

Used Auto

Vehicle Loans

APR as low as

5.24%

RV

Vehicle Loans

*Auto Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective November 01, 2019.

APR as low as

3.292%

15-Year Fixed

Home Loans

APR as low as

3.665%

30-Year Fixed

Home Loans

APR as low as

4.390%

5/1 Arm (30-Year)

Home Loans

*Home Loan Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 04, 2019.  View Full Disclosures.

APR

8.75% - 13.99%

Platinum (Low Rate)

Credit Cards

APR

10.25% - 15.99%

Rewards

Credit Cards

APR

13.99%

Secured

Credit Cards

*American Airlines Credit Union Visa Consumer Credit Card Application and Solicitation Disclosure

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2019.

APY as high as

0.15%

Business Checking

Checking Accounts

APY as high as

1.25%

Business Savings Account

(Share) Savings Accounts

*Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective November 1, 2019.

APR

10.99% - 16.99%

Platinum

Credit Cards

*Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2019.

Mobile & Digital Services

We understand your on-the-go account access needs.

Mobile Apps

Our mobile apps offer a number of convenient services, including mobile check deposit, bill pay, credit score monitoring, personal financial management tools and more!

GET THE APPS¹

Download from the Apple Store

Download from Google Play

  • Apple Watch – To turn on, simply log into our mobile app and select “Apple Watch” under “Settings” in the left-hand menu.
¹Mobile services require web access. Check with your wireless carrier for any fees that may apply.
Apple Watch is trademark of Apple Inc.
Google Play is a registered trademarks of Google LLC.

Digital Wallet

Add your Credit Union debit and credit cards to your enabled device to make secure payments and simplify your checkout experience with a variety of digital payment options.

Apple Pay and Apple Watch are trademarks of Apple Inc.
Samsung Pay is a registered trademark of Samsung Electronics Co. Ltd.
Google Pay and Google Play are registered trademarks of Google LLC.
Visa and Visa Checkout are registered trademarks of Visa International Service Association.

Financial Management Tools

Our budget and finances feature allows our members to track their spending with a fully interactive, real-time updating dashboard that loads existing Credit Union accounts while allowing the addition of accounts from other financial institutions. Within your online banking account you have access to two tools that help you keep your finances on track:

  •  Personal Finance Manager and Credit Monitoring.
Learn More

* Member initiated fees may apply. See our Business Rate & Fee Schedule for more information.

¹ Mobile services require web access. Check with your wireless carrier for any fees that may apply.

² APY is Annual Percentage Yield (APY). Member must be in good standing for account to be eligible. Dividend period is calendar month. APY and dividend rates are accurate as of the last dividend declaration date and are subject to change monthly as determined by the American Airlines Credit Union Board of Directors. Dividends will be paid on the average daily balance to all business checking accounts maintaining a minimum of $25.00 during the calendar month. Fees may reduce earnings on account. Ask the Credit Union for details.

³ After the first free 100 deposited checks and first free 100 paid checks, the following fee schedule will automatically be instated. Deposited items: 0 – 100 are free, 101 – 250 are $0.15/ea, and over 250 are $0.35/ea. Items Paid: 0 – 100 are free, 101 – 250 are $0.15/ea, and over 250 are $0.35/ea.

† Zero Liability Policy does not apply to ATM transactions, to PIN transactions not processed by Visa, or if you were negligent or fraudulent in the handling of your card, including failure to report loss or theft in a timely manner.

Visa is a registered trademark of Visa International Service Association.

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