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
Open your new Emergency Fund Savings Account today and we’ll match up to $25.00.***
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
Stay ahead with a Wellness Checkup
Fastest way to open an emergency fund savings account:
- Log into online banking and select “Apply Now” then “Open Accounts.”
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:
Explore our Dream Plan and Share Certificate Ladder opportunities.
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 They are similar to regular savings but your dividends are exempt from federal and state income taxes until withdrawn.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
Open your new Emergency Fund Savings Account today and we’ll match up to $25.00.***
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
Fastest way to open an emergency fund savings account:
- Log into online banking and select “Apply Now” then “Open Accounts.”
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:
Explore our Dream Plan and Share Certificate Ladder opportunities.
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
0.75%
Checking Account
Priority Checking
-
APY as high as
0.50%
Savings Accounts
(Share) Savings Accounts
-
APY as high as
0.50%
Savings Accounts
IRA Savings
-
APY as high as
1.51%
Share Certificates
Regular Share Certificates
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective July 1, 2020.
Our Rates*
-
APR as low as
1.95%
New Auto
Vehicle Loans
-
APR as low as
1.95%
Used Auto
Vehicle Loans
-
APR as low as
5.24%
RV
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective May 5, 2020.
Our Rates*
-
APR as low as
2.911%
15-Year Fixed
Home Loans
-
APR as low as
3.285%
30-Year Fixed
Home Loans
-
APR as low as
4.346%
5/1 Arm (30-Year)
Home Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective July 10, 2020. 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
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 01, 2020.
Our Rates*
-
APY as high as
0.15%
Business Checking
Checking Accounts
-
APY as high as
0.50%
Business Savings Account
(Share) Savings Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective July 01, 2020.
Our Rates*
-
APR
8.74% - 14.74%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 01, 2020.
Our Rates*
APY as high as
0.75%
Checking Account
Priority Checking
APY as high as
0.50%
Savings Accounts
(Share) Savings Accounts
APY as high as
0.50%
Savings Accounts
IRA Savings
APY as high as
1.51%
Share Certificates
Regular Share Certificates
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective July 1, 2020.
APR as low as
1.95%
New Auto
Vehicle Loans
APR as low as
1.95%
Used Auto
Vehicle Loans
APR as low as
5.24%
RV
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective May 5, 2020.
APR as low as
2.911%
15-Year Fixed
Home Loans
APR as low as
3.285%
30-Year Fixed
Home Loans
APR as low as
4.346%
5/1 Arm (30-Year)
Home Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective July 10, 2020. 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
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 01, 2020.
APY as high as
0.15%
Business Checking
Checking Accounts
APY as high as
0.50%
Business Savings Account
(Share) Savings Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective July 01, 2020.
APR
8.74% - 14.74%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 01, 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.
*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.
***Open a new Emergency Fund Savings Account between 01/01/2020 and 12/31/2020, set up a recurring deposit (direct deposit or on-us transfer from within the same membership number; online transfers are not eligible) to the share within 60 days of account opening and we will match the balance of your account, up to a maximum of $25.00. Bonus will be forfeited if account closed prior to bonus award date. Bonus will be awarded within 90 days after account is opened. See the applicable Share Certificate section of our Rate & Fee Schedule for more detailed information. No minimum opening deposit or minimum balance required to earn advertised APY.
