Earn Up To $185*

With a new Priority, Flagship, Ascend, UChecking or Business Checking account.

Apply Now

Current Offers

Find more Credit Union current offers and promotions.

View more offers

Complete the following activities and earn up to $185:

  • -Earn $85 when you make at least $85 in debit card purchases within 60 days of account opening.
  • -Earn $85 when you receive at least $250 in direct deposit into your checking account for two consecutive months.
  • -Earn $15 when you sign up for online statements within 60 days of account opening.

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
Checking Comparison



Monthly Service Fees
$0 with direct deposit of $250 or more*
$0 with $750 minimum daily balance*
$0
$0
Dividend Bearing
No
.40% APY*
.05% APY or .65% APY*
No
Overdraft Protection
No
Yes
Yes
Yes
Unique Product Benefits
No
Yes
Yes
Yes
Foreign Transaction Fee (purchases only)
1%
No**
No** (with qualifications)
1%

APY = Annual Percentage Yield

*Qualifications required. See our Rate & Fee Schedule for more information.

**Receive a monthly foreign transaction fee rebate when you use your debit card for international purchases. 

Checking Comparison

APY = Annual Percentage Yield

*Qualifications required. See our Rate & Fee Schedule for more information.

**Receive a monthly foreign transaction fee rebate when you use your debit card for international purchases. 

Enter to win $850

For our anniversary this year, we’re celebrating our members, old and new, Participate in our anniversary contest and Eight winners will receive $850 and 85 winners will receive $85!

Learn more about contest

Our Rates*

  • APY as high as

    0.50%

    Checking Account

    Priority Checking

  • APY as high as

    0.40%

    Savings Accounts

    (Share) Savings Accounts

  • APY as high as

    0.40%

    Savings Accounts

    IRA Savings

  • APY as high as

    0.80%

    Share Certificates

    Regular Share Certificates

*Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective July 1, 2021.

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

*Auto Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective July 1, 2021.

Our Rates*

  • APR as low as

    2.658%

    15-Year Fixed

    Home Loans

  • APR as low as

    3.159%

    30-Year Fixed

    Home Loans

  • APR as low as

    2.819%

    5/1 Arm (30-Year)

    Home Loans

*Home Loan Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective May 6, 2021.  View Full Disclosures.

Our Rates*

  • APR

    7.00% - 12.24%

    Platinum (Low Rate)

    Credit Cards

  • APR

    8.50% - 14.24%

    Rewards

    Credit Cards

  • APR

    12.24%

    Secured

    Credit Cards

*Credit Card Rates and Fees

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective May 01, 2021.

Our Rates*

  • APY as high as

    0.15%

    Business Checking

    Checking Accounts

  • APY as high as

    0.40%

    Business Savings Account

    (Share) Savings Accounts

*Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective July 1, 2021.

Our Rates*

  • APR

    8.74% - 14.74%

    Platinum

    Credit Cards

*Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 01, 2020.

Our Rates*

APY as high as

0.50%

Checking Account

Priority Checking

APY as high as

0.40%

Savings Accounts

(Share) Savings Accounts

APY as high as

0.40%

Savings Accounts

IRA Savings

APY as high as

0.80%

Share Certificates

Regular Share Certificates

*Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective July 1, 2021.

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

*Auto Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective July 1, 2021.

APR as low as

2.658%

15-Year Fixed

Home Loans

APR as low as

3.159%

30-Year Fixed

Home Loans

APR as low as

2.819%

5/1 Arm (30-Year)

Home Loans

*Home Loan Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective May 6, 2021.  View Full Disclosures.

APR

7.00% - 12.24%

Platinum (Low Rate)

Credit Cards

APR

8.50% - 14.24%

Rewards

Credit Cards

APR

12.24%

Secured

Credit Cards

*Credit Card Rates and Fees

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective May 01, 2021.

APY as high as

0.15%

Business Checking

Checking Accounts

APY as high as

0.40%

Business Savings Account

(Share) Savings Accounts

*Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective July 1, 2021.

APR

8.74% - 14.74%

Platinum

Credit Cards

*Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 01, 2020.

85th anniversary product contests

For our anniversary this year, we're celebrating our members, old and new, with multiple ways to enter and win a little something extra.

Mortgage

We're giving away $8501 to eight member who complete and submit a mortgage application between May 1 and Aug. 31, 2021.

To be eligible to win $850, simply:

  • Submit a mortgage application between May 1 and Aug. 31, 2021.
  • A total of eight winners will be randomly drawn from all eligible members.
  • The $850 award will be placed in the winner’s primary share (savings) account.

1 NO PURCHASE NECESSARY. Promotion is open to members in good standing. You must be a legal resident of the fifty (50) United States and at least 18 years old at the time of entry. Void in Puerto Rico, Virgin Islands and where prohibited or otherwise restricted by law. Need not be present to win and will be notified by phone, email or mail. All entries must be received by 11:59 p.m. Central Standard Time on 08/31/2021. Prize value is $850 and will be applied to the winner’s Primary Share Account. Odds of winning a prize will depend on the total number of eligible entries received. To enter the promotion, you must complete and submit a Home Loan (mortgage) application between 05/01/2021 and 08/31/2021 and this will give you one (1) entry in the Promotion. Alternatively, you can submit one (1) entry during the Promotion Period by sending a 3 X 5 note card with your complete name, address, city, state, ZIP, phone number and valid email address to the following address which must be postmarked (by U.S.P.S.) no later than 11:59 p.m. CST on 08/31/2021. Mail to: American Airlines Credit Union, Attn: Marketing Department/C2 Home Loan Promotion, MD 2100, P.O. Box 619001, DFW Airport, TX 75261-9001. A random drawing will be conducted from among all eligible entries received by sponsor and will take place on or before 09/30/2021. A Credit Union representative will randomly draw eight (8) winners. If a winner cannot be contacted within five (5) business days of the initial contact date, the prize will be forfeited and an alternate winner selected. The winners will be required to sign an affidavit of eligibility which must be completed, signed and returned within five (5) business days from the date of issuance, or the prize will be forfeited and awarded to an alternate winner. Any bonuses or monies received in association with this promotion are subject to IRS reporting requirements. Recipients are responsible for income tax liability, if applicable. American Airlines Credit Union employees, their immediate family members and permanent household members are not eligible for promotion. See official rules at https://www.aacreditunion.org/globalassets/documents/MortgageContest_OfficialRules.pdf for additional information.

Refer A Member

We're giving away $851 to 85 members who refer elgible members and they join the Credit Union between May 1 and Aug. 31, 2021.

To be eligible to win $85 —on top of the money you’ll already earn for the referral —simply:

  • Refer a family member who joins the Credit Union between May 1 and Aug. 31, 2021 and this will give you one automatic entry in the promotion for every new member.
  • A total of 85 winners will be randomly drawn from all eligible members.
  • The $85 award will be placed in the winner’s primary share (savings) account.

1NO PURCHASE NECESSARY. Promotion is open to members in good standing. You must be a legal resident of the fifty (50) United States and at least 18 years old at the time of entry. Void in Puerto Rico, Virgin Islands and where prohibited or otherwise restricted by law. Need not be present to win and will be notified by phone, email or mail. All entries must be received by 11:59 p.m. Central Time on 08/31/2021. Prize value is $85 and will be applied to the winner’s Primary Share Account. Odds of winning a prize will depend on the total number of eligible entries received. To enter the promotion, refer a Family or Friend who joins the Credit Union between 05/01/2021 and 08/31/2021 and this will give you one (1) entry in the Promotion. A maximum of ten (10) entries per member for this Promotion. Alternatively, you can submit one (1) entry during the Promotion Period by sending a 3 X 5 note card with your complete name, address, city, state, ZIP, phone number and valid email address to the following address which must be postmarked (by U.S.P.S.) no later than 11:59 p.m. CST on 08/31/2021. Mail to: American Airlines Credit Union, Attn: Marketing Department/C2 Membership Promotion MD 2100, P.O. Box 619001, DFW Airport, TX 75261-9001. A Credit Union representative will randomly draw eighty five (85) winners from among all eligible entries received by sponsor on or before 09/30/2021.  If a winner cannot be contacted within five (5) business days of the initial contact date, the prize will be forfeited and an alternate winner selected. The winners will be required to sign an affidavit of eligibility which must be completed, signed and returned within five (5) business days from the date of issuance, or the prize will be forfeited and awarded to an alternate winner. Any bonuses or monies received in association with this promotion are subject to IRS reporting requirements. Recipients are responsible for income tax liability, if applicable. American Airlines Credit Union employees, their immediate family members and permanent household members are not eligible for promotion. See official rules at aacreditunion.org/globalassets/documents/MembershipContest_OfficialRules.pdf for additional information.

 

Emergency Fund

We're giving away $851 to 10 members who open an Emergency Fund Savings Account between May 1 and Aug. 31, 2021.

To be eligible to win $85, simply:

  • Open an Emergency Fund Savings Account between May 1 and Aug. 31, 2021.
  • A total of 10 winners will be randomly drawn from all eligible members.
  • The $85 award will be placed in the winner’s Emergency Fund Savings Account.

 

1 NO PURCHASE NECESSARY. Promotion is open to members in good standing. You must be a legal resident of the fifty (50) United States and at least 18 years old at the time of entry. Void in Puerto Rico, Virgin Islands and where prohibited or otherwise restricted by law. Need not be present to win and will be notified by phone, email or mail. All entries must be received by 11:59 p.m. Central Standard Time on 08/31/2021. Prize value is $85 and will be applied to the winner’s Emergency Fund Savings (Share) Account. Odds of winning a prize will depend on the total number of eligible entries received. To enter the promotion, you must open an Emergency Fund Savings Account between 05/01/2021 and 08/31/2021 and this will give you one (1) entry in the Promotion. Alternatively, you can submit one (1) entry during the Promotion Period by sending a 3 X 5 note card with your complete name, address, city, state, ZIP, phone number and valid email address to the following address which must be postmarked (by U.S.P.S.) no later than 11:59 p.m. CST on 08/31/2021. Mail to: American Airlines Credit Union, Attn: Marketing Department/C2 Emergency Fund Promotion, MD 2100, P.O. Box 619001, DFW Airport, TX 75261-9001. A random drawing will be conducted from among all eligible entries received by sponsor and will take place on or before 09/30/2021. A Credit Union representative will randomly draw ten (10) winners. If a winner cannot be contacted within five (5) business days of the initial contact date, the prize will be forfeited and an alternate winner selected. The winners will be required to sign an affidavit of eligibility which must be completed, signed and returned within five (5) business days from the date of issuance, or the prize will be forfeited and awarded to an alternate winner. Any bonuses or monies received in association with this promotion are subject to IRS reporting requirements. Recipients are responsible for income tax liability, if applicable. American Airlines Credit Union employees, their immediate family members and permanent household members are not eligible for promotion. See official rules at aacreditunion.org/globalassets/documents/EmergencyFundContest_OfficialRules.pdf for additional information.

Dream Plan

We're giving away $851 to 10 members who open a Dream Plan Share Certificate between May 1 and Aug. 31, 2021.

To be eligible to win $85, simply:

  • Open a Dream Plan Share Certificate between May 1 and Aug. 31, 2021.
  • A total of 10 winners will be randomly drawn from all eligible members.
  • The $85 award will be placed in the winner’s Dream Plan Share Account.

 


1 NO PURCHASE NECESSARY. Promotion is open to members in good standing. You must be a legal resident of the fifty (50) United States and at least 18 years old at the time of entry. Void in Puerto Rico, Virgin Islands and where prohibited or otherwise restricted by law. Need not be present to win and will be notified by phone, email or mail. All entries must be received by 11:59 p.m. Central Standard Time on 08/31/2021. Prize value is $85 and will be applied to the winner’s Dream Plan (Share) Account. Odds of winning a prize will depend on the total number of eligible entries received. To enter the promotion, you must open a Dream Plan Share Certificate between 05/01/2021 and 08/31/2021 and this will give you one (1) entry in the Promotion. Alternatively, you can submit one (1) entry during the Promotion Period by sending a 3 X 5 note card with your complete name, address, city, state, ZIP, phone number and valid email address to the following address which must be postmarked (by U.S.P.S.) no later than 11:59 p.m. CST on 08/31/2021. Mail to: American Airlines Credit Union, Attn: Marketing Department/C2 Dream Plan Promotion, MD 2100, P.O. Box 619001, DFW Airport, TX 75261-9001. A random drawing will be conducted from among all eligible entries received by sponsor and will take place on or before 09/30/2021. A Credit Union representative will randomly draw ten (10) winners. If a winner cannot be contacted within five (5) business days of the initial contact date, the prize will be forfeited and an alternate winner selected. The winners will be required to sign an affidavit of eligibility which must be completed, signed and returned within five (5) business days from the date of issuance, or the prize will be forfeited and awarded to an alternate winner. Any bonuses or monies received in association with this promotion are subject to IRS reporting requirements. Recipients are responsible for income tax liability, if applicable. American Airlines Credit Union employees, their immediate family members and permanent household members are not eligible for promotion. See official rules at AACreditUnion.org/globalassets/documents/DreamPlanContest_OfficialRules.pdf for additional information.

“When buying a new car recently, the branch manager told me of the various ways to shop for the best deal. I got pre-approved, found the perfect dream car and it was delivered to my local branch in three days flat. All paperwork was ready, and it was the easiest transaction of my life.”

Michael, member since 1980

Read More Member Stories

* Member must be in good standing to be eligible for this offer. Open a new American Airlines Federal Credit Union Flagship, Priority, Ascend, uChecking or Business Checking Account between 05/01/2021 and 08/31/2021. 1) To receive the $85 bonus, make at least $85 in debit card purchases within 60 days of account opening (transaction posting may vary by merchant). ATM withdrawals and existing checking accounts are not eligible and do not qualify for the bonus. Bonus will be paid within 60 days after the final qualifying transaction. 2) Earn $85 when you received at least $250 in direct deposits into your checking account for two consecutive months. Final qualifying transaction must be completed with 60 days of account opening. Bonus will be paid within 60 days after the final qualifying transaction. 3) Earn $15 when you enroll in online statements within 60 days of account opening. Bonus will be paid within 60 days after enrollment.Any bonus will be forfeited if account is closed prior to bonus award date.Existing checking accounts are not eligible and do not qualify for any bonus. Accounts converted from existing Credit Union checking accounts do not qualify for any of the bonuses. Bonus(es) will be forfeited if account closed prior to bonus award date. Checking is subject to credit approval. This offer is non- transferable. Any awards of monies received in association with this promotion may be subject to IRS reporting requirements. Recipients are responsible for income tax liability if applicable. See our Rate & Fee Schedule for more detailed information.

¹ Message and data rates may apply. Check with your mobile provider.

² 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.

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.