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
- Unlimited access to more than 85,000 surcharge-free ATMS
- 70,000 domestic ATMs
- 15,000 international ATMs
- Direct Deposit Benefits
- Discounts on loans
- Access to your direct deposit up to two business days early
- Fraud Protection
- Zero liability for unauthorized debit card transactions †
- Fraud Text Alerts ♦
- 24/7 debit card fraud monitoring
- Mobile & Online banking
- Mobile check deposit ♦
- Mobile wallet payment options
- Free bill pay
- Online Card Management
- Travel notifications
- Card on/off
- Visa® debit card with contactless and chip-enabled technology
- Overdraft Protection Options
Our Rates^
-
APY as high as
2.02%
Savings
Share Accounts
-
APY as high as
2.02%
IRA Savings
IRA Share Accounts
-
APY as high as
4.96%
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 March 1, 2023.
Our Rates^
-
APR as low as
3.75%
New/Used Auto
Up to 36 Months
-
APR as low as
4.50%
New/Used Auto
Up to 60 months
-
APR as low as
5.49%
RV
Vehicle Loans
-
APR as low as
5.24%
Boat/Airplane
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective February 10, 2023.
Our Rates^
-
APR as low as
6.210%
15-Year Fixed
Home Loans
-
APR as low as
6.583%
30-Year Fixed
Home Loans
-
APR as low as
7.170%
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 March 10, 2023. View Full Disclosures.
Our Rates^
-
APR
15.00% - 17.00%
Signature Cash Back
Credit Cards
-
APR
12.75% - 18.00%
Platinum Rewards
Credit Cards
-
APR
11.25% - 16.49%
Platinum Low Rate
Credit Cards
-
APR
16.49%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 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 March 1, 2023.
Our Rates^
-
APR
12.99% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2023.
Our Rates^
APY as high as
2.02%
Savings
Share Accounts
APY as high as
2.02%
IRA Savings
IRA Share Accounts
APY as high as
4.96%
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 March 1, 2023.
APR as low as
3.75%
New/Used Auto
Up to 36 Months
APR as low as
4.50%
New/Used Auto
Up to 60 months
APR as low as
5.49%
RV
Vehicle Loans
APR as low as
5.24%
Boat/Airplane
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective February 10, 2023.
APR as low as
6.210%
15-Year Fixed
Home Loans
APR as low as
6.583%
30-Year Fixed
Home Loans
APR as low as
7.170%
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 March 10, 2023. View Full Disclosures.
APR
15.00% - 17.00%
Signature Cash Back
Credit Cards
APR
12.75% - 18.00%
Platinum Rewards
Credit Cards
APR
11.25% - 16.49%
Platinum Low Rate
Credit Cards
APR
16.49%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2023.
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 March 1, 2023.
APR
12.99% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 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.
♦ Message and data rates may apply. Check with your mobile provider.
† 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.
Visa is a registered trademark of Visa International Service Association.
