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.
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.
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.™
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.
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.™
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.
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.
Our Rates^
-
APY as high as
0.15%
Business Checking
Checking Accounts
-
APY as high as
0.40%
Business Savings Account
(Share) Savings Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective June 1, 2023.
Our Rates^
-
APR
13.49% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 1, 2023.
Our Rates^
-
APY as high as
2.22%
Savings
Share Accounts
-
APY as high as
2.22%
IRA Savings
IRA Share Accounts
-
APY as high as
5.12%
Share Certificate
Share/IRA Certificates
-
APY as high as
4.33%
Ladder Certificates
Share/IRA Certificates
-
APY as high as
0.40%
Priority Checking
Checking Accounts
-
APY as high as
0.25%
Flagship Checking
Checking Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective June 1, 2023.
Our Rates^
-
APR as low as
4.25%
New/Used Auto
Up to 36 Months
-
APR as low as
5.00%
New/Used Auto
Up to 60 months
-
APR as low as
5.74%
RV
Vehicle Loans
-
APR as low as
5.49%
Boat/Airplane
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective May 5, 2023.
Our Rates^
-
APR as low as
5.956%
15-Year Fixed
Home Loans
-
APR as low as
6.583%
30-Year Fixed
Home Loans
-
APR as low as
7.148%
5/1 Arm (30-Year)
Home Loans
-
APR as low as
5.875%
5/10 Fixed
Owner Occupied HELOC
^Home Loan Rates and Information and HELOC Rates and Information
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective May 30, 2023. View Full Disclosures.
Our Rates^
-
APR
15.50% - 17.50%
Signature Cash Back
Credit Cards
-
APR
13.25% - 18.00%
Platinum Rewards
Credit Cards
-
APR
11.75% - 16.99%
Platinum Low Rate
Credit Cards
-
APR
16.99%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 1, 2023.
Our Rates^
APY as high as
0.15%
Business Checking
Checking Accounts
APY as high as
0.40%
Business Savings Account
(Share) Savings Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective June 1, 2023.
APR
13.49% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 1, 2023.
APY as high as
2.22%
Savings
Share Accounts
APY as high as
2.22%
IRA Savings
IRA Share Accounts
APY as high as
5.12%
Share Certificate
Share/IRA Certificates
APY as high as
4.33%
Ladder Certificates
Share/IRA Certificates
APY as high as
0.40%
Priority Checking
Checking Accounts
APY as high as
0.25%
Flagship Checking
Checking Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective June 1, 2023.
APR as low as
4.25%
New/Used Auto
Up to 36 Months
APR as low as
5.00%
New/Used Auto
Up to 60 months
APR as low as
5.74%
RV
Vehicle Loans
APR as low as
5.49%
Boat/Airplane
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective May 5, 2023.
APR as low as
5.956%
15-Year Fixed
Home Loans
APR as low as
6.583%
30-Year Fixed
Home Loans
APR as low as
7.148%
5/1 Arm (30-Year)
Home Loans
APR as low as
5.875%
5/10 Fixed
Owner Occupied HELOC
^Home Loan Rates and Information and HELOC Rates and Information
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective May 30, 2023. View Full Disclosures.
APR
15.50% - 17.50%
Signature Cash Back
Credit Cards
APR
13.25% - 18.00%
Platinum Rewards
Credit Cards
APR
11.75% - 16.99%
Platinum Low Rate
Credit Cards
APR
16.99%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 1, 2023.
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 APPS♦
- Apple Watch – To turn on, simply log into our mobile app and select “Apple Watch” under “Settings” in the left-hand menu.
♦ Mobile 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 is a registered trademark of Visa International Service Association. The EMV® SRC payment icon, consisting of a pentagon design oriented on its side with a stylized depiction of a fast forward symbol on the right, formed by a continuous line, is a trademark owned by and used with permission of EMVCo, LLC.
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.
* 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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