American Airlines Federal Credit Union continually strives to help our member-owners make their financial dreams a reality. It’s important to us that our members understand that when they succeed, we all succeed. Which is why we’re proud to announce a more than $10 million Bonus Dividend for 2022.*

This year’s Bonus Dividend brings the Credit Union’s historic grand total to nearly $183 million, showcasing the astonishing amount of money we’ve returned to our members since 1998. As a not-for-profit cooperative, using excess earnings to give back to our members in the form of Bonus Dividends is just one of the ways being a part of our Credit Union is beneficial. Members also take advantage of lower-than-average loan rates and fees as well as higher-than-average monthly dividends.

Our Bonus Dividend payout is a reflection of activity from both loan holders and depositors. This total is calculated based on dividends earned on qualifying share accounts and/or interest paid on auto loans, credit cards, mortgages, personal loans or student loans. In addition, there’s a multi-product $25 bonus for participation in a number of product categories.

“Quite simply, the more you participate and use the Credit Union as your financial institution, the higher your Bonus Dividend can be,” said Gail Enda, Credit Union President and CEO. “When members ask how they can increase their Bonus Dividend, I tell them they need to take advantage of as many of the financial solutions we offer as possible. These products not only add value to your life, they can also literally payoff in the end.”

While Bonus Dividends are not guaranteed, they are certainly appreciated by members.

“I love that the Credit Union gives back to its members,” said Kenya G. “I feel celebrated and appreciated all the time. The rates are always low. The specialty loans and the bonus dividends help me feel important. I've never banked like this and I like that everyone gets treated well, not just if you have lots of money.”

Some members receive hundreds of dollars or more. The extra money can be used to add to savings, fund the occasional splurge or help out in uncertain financial times.

“I love the great interest rates for loans as well as the interest rate on the money I have in my accounts. My yearly bonus dividend is pretty sweet, too,” said Sarah C. “This helps keep more money in my pocket during times like now with record high inflation.”

Richard B. agrees. “Being in a member-owned bank, I feel like an important part of the Credit Union,” he said. “Of course, I also enjoy the great customer service and getting a nice dividend at the end of the year (and each month) in addition to all the low [loan] rates.”

“I love that American Airlines Credit Union offers a Bonus Dividend to its members. I’m a member of a couple of other credit unions and they don't offer this benefit,” said Christopher S. “Thank you, American Airlines Credit Union!”

Our Bonus Dividend is one of the many ways we show our appreciation to our members for being a part of our financial family and we’re always happy to hear how it helps enrich their lives.

* Bonus Dividends are not guaranteed. Member must be in good standing on the day Bonus Dividends are distributed to qualify.