Savings
Whether it's with a traditional savings account to set aside funds for a rainy day, or long-term savings options like our Dream Plan Share Certificates or Individual Retirement Accounts (IRAs), we offer a variety of options designed to help you earn more when you save with us. Just select the way you like to save.
Savings Account
With only a $5.00 minimum deposit and a one-time $1.00 membership fee, you can enjoy all the benefits of membership with American Airlines Credit Union.
Additional benefits include:
- Dividends* earned on every dollar
- Funds protected by the National Credit Union Share Insurance Fund**
Additional secondary savings accounts available.
Emergency Fund Savings
Everyone has unexpected expenses, and all too often they come at inconvenient times. To help prepare for those rainy days, we created an Emergency Fund Savings Account. Benefits include:
- Dividends earned on every dollar*
- No minimum balance
- No monthly service fees
The ability to set up a monthly recurring deposit of a specified amount you determine, or make deposits on your own
Share Certificates and Dream Plan
If you’re looking for a fixed term to meet your savings needs, a share certificate may be the answer. These savings accounts offer great rates of return with terms starting at 12 months or longer, and they do carry penalties for early withdrawal. We also offer these additional options:
Individual Retirement Accounts
Save for retirement or education expenses, and enjoy potential tax advantages during your working years with our IRA options. They are similar to regular savings but your dividends are exempt from federal and state income taxes until withdrawn. Options include:
- Traditional – Contribute income before it’s taxed and enjoy tax-deferred earnings until retirement when withdrawals are subject to taxes.
- Roth – Contribute income after taxes and enjoy tax-free earnings until retirement when withdrawals can be tax-free.
- Coverdell Education Savings – A tax-deferred plan that lets you save funds for college.
For more information about the types of IRAs we offer, as well as the benefits of each type of account, or to begin the process of opening an IRA:
Savings Account
With only a $5.00 minimum deposit and a one-time $1.00 membership fee, you can enjoy all the benefits of membership with American Airlines Credit Union.
Additional benefits include:
- Dividends* earned on every dollar
- Funds protected by the National Credit Union Share Insurance Fund**
Additional secondary savings accounts available.
Emergency Fund Savings
Everyone has unexpected expenses, and all too often they come at inconvenient times. To help prepare for those rainy days, we created an Emergency Fund Savings Account. Benefits include:
- Dividends earned on every dollar*
- No minimum balance
- No monthly service fees
The ability to set up a monthly recurring deposit of a specified amount you determine, or make deposits on your own
Share Certificates and Dream Plan
If you’re looking for a fixed term to meet your savings needs, a share certificate may be the answer. These savings accounts offer great rates of return with terms starting at 12 months or longer, and they do carry penalties for early withdrawal. We also offer these additional options:
Individual Retirement Accounts
Save for retirement or education expenses, and enjoy potential tax advantages during your working years with our IRA options. They are similar to regular savings but your dividends are exempt from federal and state income taxes until withdrawn. Options include:
- Traditional – Contribute income before it’s taxed and enjoy tax-deferred earnings until retirement when withdrawals are subject to taxes.
- Roth – Contribute income after taxes and enjoy tax-free earnings until retirement when withdrawals can be tax-free.
- Coverdell Education Savings – A tax-deferred plan that lets you save funds for college.
For more information about the types of IRAs we offer, as well as the benefits of each type of account, or to begin the process of opening an IRA:
Our Rates^
-
APY as high as
2.02%
Savings
Share/IRA Accounts
-
APY as high as
4.25%
Short-Term Share Certificate
Share Certificate
-
APY as high as
4.05%
Share Certificate
Share/IRA Certificates
-
APY as high as
4.07%
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, 2025.
Our Rates^
-
APR as low as
3.99%
New Auto
Up to 36 Months
-
APR as low as
4.49%
Used Auto
Up to 36 Months
-
APR as low as
4.74%
New Auto
Up to 60 months
-
APR as low as
5.24%
Used Auto
Up to 60 months
-
APR as low as
6.99%
RV
Vehicle Loans
-
APR as low as
6.74%
Boat/Airplane
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 11, 2025.
Our Rates^
-
APR as low as
6.210%
15-Year Fixed
Home Loans
-
APR as low as
6.710%
30-Year Fixed
Home Loans
-
APR as low as
6.683%
5/1 Arm (30-Year)
Home Loans
-
APR as low as
7.250%
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 17, 2025. 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% - 18.00%
Platinum Low Rate
Credit Cards
-
APR
16.49%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 1, 2025.
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, 2025.
Our Rates^
-
APR
12.99% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2025.
Our Rates^
APY as high as
2.02%
Savings
Share/IRA Accounts
APY as high as
4.25%
Short-Term Share Certificate
Share Certificate
APY as high as
4.05%
Share Certificate
Share/IRA Certificates
APY as high as
4.07%
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, 2025.
APR as low as
3.99%
New Auto
Up to 36 Months
APR as low as
4.49%
Used Auto
Up to 36 Months
APR as low as
4.74%
New Auto
Up to 60 months
APR as low as
5.24%
Used Auto
Up to 60 months
APR as low as
6.99%
RV
Vehicle Loans
APR as low as
6.74%
Boat/Airplane
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 11, 2025.
APR as low as
6.210%
15-Year Fixed
Home Loans
APR as low as
6.710%
30-Year Fixed
Home Loans
APR as low as
6.683%
5/1 Arm (30-Year)
Home Loans
APR as low as
7.250%
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 17, 2025. 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% - 18.00%
Platinum Low Rate
Credit Cards
APR
16.49%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 1, 2025.
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, 2025.
APR
12.99% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2025.
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.
♦ Message and data rates may apply. Check with your mobile provider.
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.
MARKETPLACE
With our one-stop shop for financial apps, you can select from a set of third-party apps to help you run your business, pay down loans fast, donate to charities and much more – all in one convenient location.
Please note: Fees and qualifications vary by app.
Apps include:
- Autobooks Small business owners can simplify their books, manage cash flow and access the necessary reports.
- Changed Borrowers can pay down debt with spare change to save time and money and reach their goals sooner.
- Givio Individuals can donate to more than 1.6 million 501(c)3 nonprofits – or support a cause from a list of local nonprofits – directly from their bank account.
- OneDigitalTrust Users of this estate- and inheritance-planning platform can create legal documents, including wills, living trusts, healthcare and financial powers of attorney and others.
- Trustworthy® Successful modern families can collaborate with loved ones and advisors to protect and organize their most important information. Secure items like family IDs, money, property, passwords, insurance, tax records, estate documents, contacts, and more – all in one place.
To register: Use a browser to log into online banking and select “Marketplace” to get started. Your Marketplace apps can be managed through the Credit Union app♦ after completing registration on a browser.
American Airlines Credit Union does not assume any responsibility or liability for any purchases or promotions made by a third party
♦ Message and data rates may apply. Check with your mobile provider.
*The dividend rate is declared by the Board of Directors each month and paid on the first day of the month.
**American Airlines Federal Credit Union is an independent member owned co-operative financial institution. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
