CERTIFICATES

If you’re looking for a fixed term to meet your savings needs, a share certificate may be the answer. 

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Open a Dream Plan Share Certificate

and we'll make the initial $25 deposit1 for accounts opened between 10/01/2019 and 12/31/2019.

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Dream Plan Share Certificate

If you can dream it, we want to help make it a reality. Our Dream Plan Share Certificates* offer a smart way to start saving for your dreams without having to invest a large amount of money at one time. Start small and save for your dream with deposits each month. Start your Dream Plan with a $25 initial deposit, then contribute at least $25 each month. Benefits include:

  • Premium dividend rate for 60 months
  • No penalty for early withdrawal if funds are used as a down payment on a home financed with the Credit Union
  • Maximum balance of $50,000

Apply now and get started with your Dream Plan

Share Certificate

Earn higher dividends than a regular share account by investing as little as $1,000 per term. Choose a 12,24,30,36,48 or 60 month option.*

Apply Now for Share Certificate investment

Share Certificate Ladder

Maximize your earnings and get the best of both worlds by opening a share certificate ladder.* The concept is simple: The longer the term, the higher the return. You create your ladder consisting of several share certificates, each with a different rate and maturity. When a certificate matures, you should reinvest your money — buy a new certificate at the longest term — but you also have the option to pull out your funds if necessary. See below for additional information.

Apply Now for a Share Certificate Ladder

Tools & Resources

We also provide additional tools and resources to help you manage your finances and learn as you go.

Learn more

Access our calculators

Dream Plan Share Certificate

If you can dream it, we want to help make it a reality. Our Dream Plan Share Certificates* offer a smart way to start saving for your dreams without having to invest a large amount of money at one time. Start small and save for your dream with deposits each month. Start your Dream Plan with a $25 initial deposit, then contribute at least $25 each month. Benefits include:

  • Premium dividend rate for 60 months
  • No penalty for early withdrawal if funds are used as a down payment on a home financed with the Credit Union
  • Maximum balance of $50,000

Share Certificate

Earn higher dividends than a regular share account by investing as little as $1,000 per term. Choose a 12,24,30,36,48 or 60 month option.*

Share Certificate Ladder

Maximize your earnings and get the best of both worlds by opening a share certificate ladder.* The concept is simple: The longer the term, the higher the return. You create your ladder consisting of several share certificates, each with a different rate and maturity. When a certificate matures, you should reinvest your money — buy a new certificate at the longest term — but you also have the option to pull out your funds if necessary. See below for additional information.

Tools & Resources

We also provide additional tools and resources to help you manage your finances and learn as you go.

Frequently Asked Questions

Laddering is a simple investment technique that involves dividing your investment across two, three or more share certificates. It typically brings you higher dividends than investing in only one share certificate renewed over time.

We offer a two-rung ladder for 30 and 60 month; a three-rung ladder for 12, 24 and 36 months and a five-rung ladder for 12, 24, 36, 48 and 60 months.

Laddering limits your investment risk and is flexible. Since you’re reinvesting a portion of your money regularly, you’re less likely to suffer from dividend rate fluctuations. Plus, you structure your ladder to meet your needs, so you have funds available when you may need them.

EDUCATION

Why You Need a "Fun" Fund

Fun money often gets lumped into your entertainment, restaurant or even your miscellaneous fund. But a fun fund is none of these. Rather, it’s a separate amount to spend however you want, whenever you want – i.e. on impulse. The point of having the fund is to keep you from whiffing on reaching your other financial goals.

Read More

Visit Our Blog

Our Rates*

  • APY as high as

    2.27%

    Checking Account

    Priority Checking

  • APY as high as

    1.56%

    Savings Accounts

    (Share) Savings Accounts

  • APY as high as

    1.56%

    Savings Accounts

    IRA Savings

  • APY as high as

    3.25%

    Share Certificates

    Regular Share Certificates

*Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective October 1, 2019.

Our Rates*

  • APR as low as

    2.35%

    New Auto

    Vehicle Loans

  • APR as low as

    2.35%

    Used Auto

    Vehicle Loans

  • APR as low as

    5.24%

    RV

    Vehicle Loans

*Auto Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective September 19, 2019.

Our Rates*

  • APR as low as

    3.292%

    15-Year Fixed

    Home Loans

  • APR as low as

    3.665%

    30-Year Fixed

    Home Loans

  • APR as low as

    4.390%

    5/1 Arm (30-Year)

    Home Loans

*Home Loan Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 04, 2019.  View Full Disclosures.

Our Rates*

  • APR

    8.75% - 13.99%

    Platinum (Low Rate)

    Credit Cards

  • APR

    10.25% - 15.99%

    Rewards

    Credit Cards

  • APR

    13.99%

    Secured

    Credit Cards

*American Airlines Credit Union Visa Consumer Credit Card Application and Solicitation Disclosure

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2019.

Our Rates*

  • APY as high as

    0.15%

    Business Checking

    Checking Accounts

  • APY as high as

    1.25%

    Business Savings Account

    (Share) Savings Accounts

*Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective October 1, 2019.

Our Rates*

  • APR

    10.99% - 16.99%

    Platinum

    Credit Cards

*Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2019.

Our Rates*

APY as high as

2.27%

Checking Account

Priority Checking

APY as high as

1.56%

Savings Accounts

(Share) Savings Accounts

APY as high as

1.56%

Savings Accounts

IRA Savings

APY as high as

3.25%

Share Certificates

Regular Share Certificates

*Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective October 1, 2019.

APR as low as

2.35%

New Auto

Vehicle Loans

APR as low as

2.35%

Used Auto

Vehicle Loans

APR as low as

5.24%

RV

Vehicle Loans

*Auto Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective September 19, 2019.

APR as low as

3.292%

15-Year Fixed

Home Loans

APR as low as

3.665%

30-Year Fixed

Home Loans

APR as low as

4.390%

5/1 Arm (30-Year)

Home Loans

*Home Loan Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 04, 2019.  View Full Disclosures.

APR

8.75% - 13.99%

Platinum (Low Rate)

Credit Cards

APR

10.25% - 15.99%

Rewards

Credit Cards

APR

13.99%

Secured

Credit Cards

*American Airlines Credit Union Visa Consumer Credit Card Application and Solicitation Disclosure

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2019.

APY as high as

0.15%

Business Checking

Checking Accounts

APY as high as

1.25%

Business Savings Account

(Share) Savings Accounts

*Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective October 1, 2019.

APR

10.99% - 16.99%

Platinum

Credit Cards

*Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2019.

"I feel like they are truly there for me, and treat me like a person, not a number – as clichéd as that sounds."

Debi, member since 1981

Read More Member Stories

* See the applicable Share Certificate section of our Rate & Fee Schedule for more detailed information.

1 To receive the $25.00 bonus, open a new American Airlines Federal Credit Union Dream Plan Share Certificate between 10/01/2019 and 12/31/2019 and set up an automatic monthly contribution of $25 or larger. Bonus will be awarded within five (5) business days after account is opened. Bonus will be forfeited if account is closed within 90 days from open date. A maximum of one (1) Dream Plan Share Certificate per account.