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

Stay ahead with a Wellness Checkup

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 They are similar to regular savings but your dividends are exempt from federal and state income taxes until withdrawn.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:

Visit the IRA Service Center

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

Stay ahead with a Wellness Checkup

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:

Visit the IRA Service Center

Our Rates^

  • APY as high as

    0.40%

    Priority Checking

    Checking Accounts

  • APY as high as

    0.25%

    Flagship Checking

    Checking Accounts

  • APY as high as

    1.00%

    Savings

    Share Accounts

  • APY as high as

    1.00%

    IRA Savings

    IRA Share Accounts

  • APY as high as

    3.04%

    Share Certificate

    Share/IRA Certificates

  • APY as high as

    3.82%

    Ladder Certificates

    Share/IRA Certificates

^Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective December 1, 2022.

Our Rates^

  • APR as low as

    3.05%

    New Auto

    Vehicle Loans

  • APR as low as

    3.05%

    Used Auto

    Vehicle Loans

  • APR as low as

    4.74%

    RV

    Vehicle Loans

^Auto & Other Personal Loans

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective December 1, 2022.

Our Rates^

  • APR as low as

    5.956%

    15-Year Fixed

    Home Loans

  • APR as low as

    6.456%

    30-Year Fixed

    Home Loans

  • APR as low as

    6.632%

    5/1 Arm (30-Year)

    Home Loans

^Home Loan Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective November 7, 2022.  View Full Disclosures.

Our Rates^

  • APR

    10.00% - 15.24%

    Platinum (Low Rate)

    Credit Cards

  • APR

    11.50% - 17.24%

    Rewards

    Credit Cards

  • APR

    15.24%

    Secured

    Credit Cards

^Credit Card Rates and Fees

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2022.

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 December 1, 2022.

Our Rates^

  • APR

    11.74% - 17.74%

    Platinum

    Credit Cards

^Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2022.

Our Rates^

APY as high as

0.40%

Priority Checking

Checking Accounts

APY as high as

0.25%

Flagship Checking

Checking Accounts

APY as high as

1.00%

Savings

Share Accounts

APY as high as

1.00%

IRA Savings

IRA Share Accounts

APY as high as

3.04%

Share Certificate

Share/IRA Certificates

APY as high as

3.82%

Ladder Certificates

Share/IRA Certificates

^Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective December 1, 2022.

APR as low as

3.05%

New Auto

Vehicle Loans

APR as low as

3.05%

Used Auto

Vehicle Loans

APR as low as

4.74%

RV

Vehicle Loans

^Auto & Other Personal Loans

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective December 1, 2022.

APR as low as

5.956%

15-Year Fixed

Home Loans

APR as low as

6.456%

30-Year Fixed

Home Loans

APR as low as

6.632%

5/1 Arm (30-Year)

Home Loans

^Home Loan Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective November 7, 2022.  View Full Disclosures.

APR

10.00% - 15.24%

Platinum (Low Rate)

Credit Cards

APR

11.50% - 17.24%

Rewards

Credit Cards

APR

15.24%

Secured

Credit Cards

^Credit Card Rates and Fees

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2022.

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 December 1, 2022.

APR

11.74% - 17.74%

Platinum

Credit Cards

^Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2022.

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

Download from the Apple Store

Download from Google Play

  • 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.
Learn More

*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.