Checking
There are a number of checking options when you bank with us. All of our checking accounts offer no monthly service fee or offer easy ways to avoid one. We make it convenient to manage your money and your time with easy 24/7 account access and learn about the added benefits of direct deposit and online statements. Compare our accounts and find out which one is right for you.
Ascend Checking
Enjoy checking simplified with checkless banking and convenient online services that help you stay in control of your finances.
Flagship Checking
Our premium checking account experience is perfect for members who carry a higher balance and want to earn additional benefits, including fee rebates, higher spending and deposit limits and more.
Priority Checking
Everyday checking with the ability to earn additional benefits like ATM fee rebates and a Priority Dividend rate for doing a few simple things each month.
UChecking
Our UChecking account, for younger members between the ages of 13 and 25, was custom designed with your lifestyle in mind.
Business Checking
Business Checking at American Airlines Credit Union offers no monthly service fee, doesn't require a minimum balance and it pays dividends.
Tools & Resources
We also provide additional tools and resources to help you manage your finances and learn as you go.
Ascend Checking
Enjoy checking simplified with checkless banking and convenient online services that help you stay in control of your finances.
Flagship Checking
Our premium checking account experience is perfect for members who carry a higher balance and want to earn additional benefits, including fee rebates, higher spending and deposit limits and more.
Priority Checking
Everyday checking with the ability to earn additional benefits like ATM fee rebates and a Priority Dividend rate for doing a few simple things each month.
UChecking
Our UChecking account, for younger members between the ages of 13 and 25, was custom designed with your lifestyle in mind.
Business Checking
Business Checking at American Airlines Credit Union offers no monthly service fee, doesn't require a minimum balance and it pays dividends.
Tools & Resources
We also provide additional tools and resources to help you manage your finances and learn as you go.
Checking Account Features
- Mobile & Online banking with Mobile Deposit¹
- Free Bill Pay
- Direct Deposit discount on select loans
- Visa® Debit Card with contactless and chip-enabled technology
- Online Card Management
- including travel notifications and card on/off
- Mobile wallet payment options
- Zero liability for unauthorized debit card transactions²
- 24/7 debit card fraud monitoring
- Fraud Text Alerts³
- Unlimited access to American Airlines Credit Union and in-network ATM’s
- Overdraft Protection Options
Our Rates^
-
APY as high as
0.40%
Checking Account
Priority Checking
-
APY as high as
0.30%
Savings Accounts
(Share) Savings Accounts
-
APY as high as
0.30%
Savings Accounts
IRA Savings
-
APY as high as
0.70%
Share Certificates
Regular Share Certificates
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective May 1, 2022.
Our Rates^
-
APR as low as
1.80%
New Auto
Vehicle Loans
-
APR as low as
1.80%
Used Auto
Vehicle Loans
-
APR as low as
4.49%
RV
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective March 17, 2022.
Our Rates^
-
APR as low as
4.306%
15-Year Fixed
Home Loans
-
APR as low as
4.932%
30-Year Fixed
Home Loans
-
APR as low as
4.548%
5/1 Arm (30-Year)
Home Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective Thursday May 11, 2022. View Full Disclosures.
Our Rates^
-
APR
7.25% - 12.49%
Platinum (Low Rate)
Credit Cards
-
APR
8.75% - 14.49%
Rewards
Credit Cards
-
APR
12.49%
Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 1, 2022.
Our Rates^
-
APY as high as
0.15%
Business Checking
Checking Accounts
-
APY as high as
0.30%
Business Savings Account
(Share) Savings Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective May 1, 2022.
Our Rates^
-
APR
8.99% - 14.99%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 1, 2020.
Our Rates^
APY as high as
0.40%
Checking Account
Priority Checking
APY as high as
0.30%
Savings Accounts
(Share) Savings Accounts
APY as high as
0.30%
Savings Accounts
IRA Savings
APY as high as
0.70%
Share Certificates
Regular Share Certificates
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective May 1, 2022.
APR as low as
1.80%
New Auto
Vehicle Loans
APR as low as
1.80%
Used Auto
Vehicle Loans
APR as low as
4.49%
RV
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective March 17, 2022.
APR as low as
4.306%
15-Year Fixed
Home Loans
APR as low as
4.932%
30-Year Fixed
Home Loans
APR as low as
4.548%
5/1 Arm (30-Year)
Home Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective Thursday May 11, 2022. View Full Disclosures.
APR
7.25% - 12.49%
Platinum (Low Rate)
Credit Cards
APR
8.75% - 14.49%
Rewards
Credit Cards
APR
12.49%
Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 1, 2022.
APY as high as
0.15%
Business Checking
Checking Accounts
APY as high as
0.30%
Business Savings Account
(Share) Savings Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective May 1, 2022.
APR
8.99% - 14.99%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 1, 2020.
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
- 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 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.
¹ Message and data rates may apply. Check with your mobile provider.
² Visa's Zero Liability Policy covers U.S. issued cards and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use on their card. Consult issuer for additional details or visit www.visa.com/security.
³ Fraud Alerts Program Overview: Messaging frequency depends on account activity. For more information, text HELP to 23618. To cancel fraud text messaging services at any time reply STOP to any alert from your mobile device. For Fraud Alerts support, call (800) 533-0035. By giving us your mobile number, you agree that Fraud Alerts text messaging to notify you of suspected incidents of financial or identity fraud. HELP instructions: Text HELP to 23618 for help or call (800) 533-0035. STOP instructions: Text STOP to 23618 to cancel. Release of Liability: Alerts sent via SMS may not be delivered to you if your phone is not in the range of a transmission site, or if sufficient network capacity is not available at a particular time. Even within coverage, factors beyond the control of wireless carriers may interfere with messages delivery for which the carrier is not responsible. Carriers do not guarantee that alerts will be delivered.
Visa is a registered trademark of Visa International Service Association.
CO-OP ATMSM is a mark of CO-OP Financial Services.
