SAVE UP TO 0.50% APR*

When you refinance your auto loan with the Credit Union from another institution.

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Current Offers

Find more Credit Union current offers and promotions.

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For a limited time, when you refinance your auto loan with the Credit Union from another institution, you’ll be eligible for a 0.25% discount off our current APR*. This is in addition to the existing 0.25% APR discount for direct deposit. That’s right, you can save up to 0.50% APR when you refinance your auto loan with the Credit Union!


Ready to apply to refinance your auto?

Here is what you’ll need:
• Your payoff amount
• VIN Number
To start your refinance application:
Apply online or via your mobile app

Extra Loan Discounts

Save on your next loan if you take advantage of the number of discounts available on select vehicle and home equity line of credit loans.

Enter to win $850

For our anniversary this year, we’re celebrating our members, old and new, Participate in our anniversary contest and Eight winners will receive $850 and 85 winners will receive $85!

Learn more about contest

Our Rates*

  • APY as high as

    0.50%

    Checking Account

    Priority Checking

  • APY as high as

    0.40%

    Savings Accounts

    (Share) Savings Accounts

  • APY as high as

    0.40%

    Savings Accounts

    IRA Savings

  • APY as high as

    0.80%

    Share Certificates

    Regular Share Certificates

*Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective June 1, 2021.

Our Rates*

  • APR as low as

    1.80%

    New Auto

    Vehicle Loans

  • APR as low as

    1.80%

    Used Auto

    Vehicle Loans

  • APR as low as

    4.74%

    RV

    Vehicle Loans

*Auto Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 20, 2021.

Our Rates*

  • APR as low as

    2.658%

    15-Year Fixed

    Home Loans

  • APR as low as

    3.159%

    30-Year Fixed

    Home Loans

  • APR as low as

    2.819%

    5/1 Arm (30-Year)

    Home Loans

*Home Loan Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective May 6, 2021.  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

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

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective May 01, 2021.

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 June 1, 2021.

Our Rates*

  • APR

    8.74% - 14.74%

    Platinum

    Credit Cards

*Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 01, 2020.

Our Rates*

APY as high as

0.50%

Checking Account

Priority Checking

APY as high as

0.40%

Savings Accounts

(Share) Savings Accounts

APY as high as

0.40%

Savings Accounts

IRA Savings

APY as high as

0.80%

Share Certificates

Regular Share Certificates

*Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective June 1, 2021.

APR as low as

1.80%

New Auto

Vehicle Loans

APR as low as

1.80%

Used Auto

Vehicle Loans

APR as low as

4.74%

RV

Vehicle Loans

*Auto Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 20, 2021.

APR as low as

2.658%

15-Year Fixed

Home Loans

APR as low as

3.159%

30-Year Fixed

Home Loans

APR as low as

2.819%

5/1 Arm (30-Year)

Home Loans

*Home Loan Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective May 6, 2021.  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

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

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective May 01, 2021.

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 June 1, 2021.

APR

8.74% - 14.74%

Platinum

Credit Cards

*Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 01, 2020.

85th anniversary product contests

For our anniversary this year, we're celebrating our members, old and new, with multiple ways to enter and win a little something extra.

Mortgage

We're giving away $8501 to eight member who complete and submit a mortgage application between May 1 and Aug. 31, 2021.

To be eligible to win $850, simply:

  • Submit a mortgage application between May 1 and Aug. 31, 2021.
  • A total of eight winners will be randomly drawn from all eligible members.
  • The $850 award will be placed in the winner’s primary share (savings) account.

1 NO PURCHASE NECESSARY. Promotion is open to members in good standing. You must be a legal resident of the fifty (50) United States and at least 18 years old at the time of entry. Void in Puerto Rico, Virgin Islands and where prohibited or otherwise restricted by law. Need not be present to win and will be notified by phone, email or mail. All entries must be received by 11:59 p.m. Central Standard Time on 08/31/2021. Prize value is $850 and will be applied to the winner’s Primary Share Account. Odds of winning a prize will depend on the total number of eligible entries received. To enter the promotion, you must complete and submit a Home Loan (mortgage) application between 05/01/2021 and 08/31/2021 and this will give you one (1) entry in the Promotion. Alternatively, you can submit one (1) entry during the Promotion Period by sending a 3 X 5 note card with your complete name, address, city, state, ZIP, phone number and valid email address to the following address which must be postmarked (by U.S.P.S.) no later than 11:59 p.m. CST on 08/31/2021. Mail to: American Airlines Credit Union, Attn: Marketing Department/C2 Home Loan Promotion, MD 2100, P.O. Box 619001, DFW Airport, TX 75261-9001. A random drawing will be conducted from among all eligible entries received by sponsor and will take place on or before 09/30/2021. A Credit Union representative will randomly draw eight (8) winners. If a winner cannot be contacted within five (5) business days of the initial contact date, the prize will be forfeited and an alternate winner selected. The winners will be required to sign an affidavit of eligibility which must be completed, signed and returned within five (5) business days from the date of issuance, or the prize will be forfeited and awarded to an alternate winner. Any bonuses or monies received in association with this promotion are subject to IRS reporting requirements. Recipients are responsible for income tax liability, if applicable. American Airlines Credit Union employees, their immediate family members and permanent household members are not eligible for promotion. See official rules at https://www.aacreditunion.org/globalassets/documents/MortgageContest_OfficialRules.pdf for additional information.

Refer A Member

We're giving away $851 to 85 members who refer elgible members and they join the Credit Union between May 1 and Aug. 31, 2021.

To be eligible to win $85 —on top of the money you’ll already earn for the referral —simply:

  • Refer a family member who joins the Credit Union between May 1 and Aug. 31, 2021 and this will give you one automatic entry in the promotion for every new member.
  • A total of 85 winners will be randomly drawn from all eligible members.
  • The $85 award will be placed in the winner’s primary share (savings) account.

1NO PURCHASE NECESSARY. Promotion is open to members in good standing. You must be a legal resident of the fifty (50) United States and at least 18 years old at the time of entry. Void in Puerto Rico, Virgin Islands and where prohibited or otherwise restricted by law. Need not be present to win and will be notified by phone, email or mail. All entries must be received by 11:59 p.m. Central Time on 08/31/2021. Prize value is $85 and will be applied to the winner’s Primary Share Account. Odds of winning a prize will depend on the total number of eligible entries received. To enter the promotion, refer a Family or Friend who joins the Credit Union between 05/01/2021 and 08/31/2021 and this will give you one (1) entry in the Promotion. A maximum of ten (10) entries per member for this Promotion. Alternatively, you can submit one (1) entry during the Promotion Period by sending a 3 X 5 note card with your complete name, address, city, state, ZIP, phone number and valid email address to the following address which must be postmarked (by U.S.P.S.) no later than 11:59 p.m. CST on 08/31/2021. Mail to: American Airlines Credit Union, Attn: Marketing Department/C2 Membership Promotion MD 2100, P.O. Box 619001, DFW Airport, TX 75261-9001. A Credit Union representative will randomly draw eighty five (85) winners from among all eligible entries received by sponsor on or before 09/30/2021.  If a winner cannot be contacted within five (5) business days of the initial contact date, the prize will be forfeited and an alternate winner selected. The winners will be required to sign an affidavit of eligibility which must be completed, signed and returned within five (5) business days from the date of issuance, or the prize will be forfeited and awarded to an alternate winner. Any bonuses or monies received in association with this promotion are subject to IRS reporting requirements. Recipients are responsible for income tax liability, if applicable. American Airlines Credit Union employees, their immediate family members and permanent household members are not eligible for promotion. See official rules at aacreditunion.org/globalassets/documents/MembershipContest_OfficialRules.pdf for additional information.

 

Emergency Fund

We're giving away $851 to 10 members who open an Emergency Fund Savings Account between May 1 and Aug. 31, 2021.

To be eligible to win $85, simply:

  • Open an Emergency Fund Savings Account between May 1 and Aug. 31, 2021.
  • A total of 10 winners will be randomly drawn from all eligible members.
  • The $85 award will be placed in the winner’s Emergency Fund Savings Account.

 

1 NO PURCHASE NECESSARY. Promotion is open to members in good standing. You must be a legal resident of the fifty (50) United States and at least 18 years old at the time of entry. Void in Puerto Rico, Virgin Islands and where prohibited or otherwise restricted by law. Need not be present to win and will be notified by phone, email or mail. All entries must be received by 11:59 p.m. Central Standard Time on 08/31/2021. Prize value is $85 and will be applied to the winner’s Emergency Fund Savings (Share) Account. Odds of winning a prize will depend on the total number of eligible entries received. To enter the promotion, you must open an Emergency Fund Savings Account between 05/01/2021 and 08/31/2021 and this will give you one (1) entry in the Promotion. Alternatively, you can submit one (1) entry during the Promotion Period by sending a 3 X 5 note card with your complete name, address, city, state, ZIP, phone number and valid email address to the following address which must be postmarked (by U.S.P.S.) no later than 11:59 p.m. CST on 08/31/2021. Mail to: American Airlines Credit Union, Attn: Marketing Department/C2 Emergency Fund Promotion, MD 2100, P.O. Box 619001, DFW Airport, TX 75261-9001. A random drawing will be conducted from among all eligible entries received by sponsor and will take place on or before 09/30/2021. A Credit Union representative will randomly draw ten (10) winners. If a winner cannot be contacted within five (5) business days of the initial contact date, the prize will be forfeited and an alternate winner selected. The winners will be required to sign an affidavit of eligibility which must be completed, signed and returned within five (5) business days from the date of issuance, or the prize will be forfeited and awarded to an alternate winner. Any bonuses or monies received in association with this promotion are subject to IRS reporting requirements. Recipients are responsible for income tax liability, if applicable. American Airlines Credit Union employees, their immediate family members and permanent household members are not eligible for promotion. See official rules at aacreditunion.org/globalassets/documents/EmergencyFundContest_OfficialRules.pdf for additional information.

Dream Plan

We're giving away $851 to 10 members who open a Dream Plan Share Certificate between May 1 and Aug. 31, 2021.

To be eligible to win $85, simply:

  • Open a Dream Plan Share Certificate between May 1 and Aug. 31, 2021.
  • A total of 10 winners will be randomly drawn from all eligible members.
  • The $85 award will be placed in the winner’s Dream Plan Share Account.

 


1 NO PURCHASE NECESSARY. Promotion is open to members in good standing. You must be a legal resident of the fifty (50) United States and at least 18 years old at the time of entry. Void in Puerto Rico, Virgin Islands and where prohibited or otherwise restricted by law. Need not be present to win and will be notified by phone, email or mail. All entries must be received by 11:59 p.m. Central Standard Time on 08/31/2021. Prize value is $85 and will be applied to the winner’s Dream Plan (Share) Account. Odds of winning a prize will depend on the total number of eligible entries received. To enter the promotion, you must open a Dream Plan Share Certificate between 05/01/2021 and 08/31/2021 and this will give you one (1) entry in the Promotion. Alternatively, you can submit one (1) entry during the Promotion Period by sending a 3 X 5 note card with your complete name, address, city, state, ZIP, phone number and valid email address to the following address which must be postmarked (by U.S.P.S.) no later than 11:59 p.m. CST on 08/31/2021. Mail to: American Airlines Credit Union, Attn: Marketing Department/C2 Dream Plan Promotion, MD 2100, P.O. Box 619001, DFW Airport, TX 75261-9001. A random drawing will be conducted from among all eligible entries received by sponsor and will take place on or before 09/30/2021. A Credit Union representative will randomly draw ten (10) winners. If a winner cannot be contacted within five (5) business days of the initial contact date, the prize will be forfeited and an alternate winner selected. The winners will be required to sign an affidavit of eligibility which must be completed, signed and returned within five (5) business days from the date of issuance, or the prize will be forfeited and awarded to an alternate winner. Any bonuses or monies received in association with this promotion are subject to IRS reporting requirements. Recipients are responsible for income tax liability, if applicable. American Airlines Credit Union employees, their immediate family members and permanent household members are not eligible for promotion. See official rules at AACreditUnion.org/globalassets/documents/DreamPlanContest_OfficialRules.pdf for additional information.

* APR is Annual Percentage Rate. Offer is valid for auto loans refinanced from outside of American Airlines Credit Union. Auto loan applications must be received and funded between 05/01/2021 and 08/31/2021. The maximum combined qualifying discount is 0.50% for new or used refinance auto loans, up to a 60-month term. Auto discount of 0.25% is valid on fixed rate refinance auto loans only. Member can receive an additional 0.25% discount for direct deposit into an American Airlines Credit Union checking account. Direct deposit discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member’s checking account and the member remains in good standing. Loans are subject to credit approval and Credit Union lending guidelines. Member must be in good standing to be eligible. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible. Not all members will qualify. No other discounts can be combined. See our Rate Schedule for more information.