Personal Loans

If you’re thinking about a loan, we offer you real choices with simple solutions for finding the amount, terms and the rate that fit your needs.

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Emergency Loan

If you are impacted by COVID-19, you may be eligible for an emergency loan up to $3,000. 

See details below

Personal Loan

Established for a pre-determined period of time with specific loan payments, our personal loans offer a fixed rate for the term of the loan.

Consolidation Loan

If you’re looking for help consolidating external debts into one payment, our consolidation loans provide a set term with specific loan payments.

Share Certificate Loan

Before your share certificate (excluding IRA) matures, use the money as collateral for this loan with a low fixed rate and flexible terms.

Share-Secured Loan

Enjoy an even lower rate when you use funds in a savings account (excluding your IRA) as collateral.

Line of Credit Loan

A line of credit features an open-ended revolving loan available with a variable interest rate.

Emergency Loan

We are currently offering an Emergency Loan designed to help with the immediate needs of our members directly affected by COVID-19. This is an unsecured loan with maximum loan amounts from $1,500 to $3,000 and an APR range from 4.00% to 10.00%.¹ Loan amount and APR based on credit and qualifications. Loan is eligible for 0.25% APR discount for direct deposit.² The first payment will be deferred for 90 days.³

To apply, log in to your online banking account, click “Apply Now,” select “Credit Cards & Loans” then “Personal Loans” to start your application.

Holiday Loan

Don’t let holiday spending stress you out. Our Holiday Loan can put a little extra cash in your pocket this season, giving you one less thing to worry about. This loan is traditionally available October through January.

Fast Funds Loan

This short-term loan option is designed to give you access to emergency funds at an affordable rate during your financial time of need.

Visit your local branch or call us at (800) 533-0035 to apply.

Personal Loan

Established for a pre-determined period of time with specific loan payments, our personal loans offer a fixed rate for the term of the loan.

Consolidation Loan

If you’re looking for help consolidating external debts into one payment, our consolidation loans provide a set term with specific loan payments.

Share Certificate Loan

Before your share certificate (excluding IRA) matures, use the money as collateral for this loan with a low fixed rate and flexible terms.

Share-Secured Loan

Enjoy an even lower rate when you use funds in a savings account (excluding your IRA) as collateral.

Line of Credit Loan

A line of credit features an open-ended revolving loan available with a variable interest rate.

Emergency Loan

We are currently offering an Emergency Loan designed to help with the immediate needs of our members directly affected by COVID-19. This is an unsecured loan with maximum loan amounts from $1,500 to $3,000 and an APR range from 4.00% to 10.00%.¹ Loan amount and APR based on credit and qualifications. Loan is eligible for 0.25% APR discount for direct deposit.² The first payment will be deferred for 90 days.³

To apply, log in to your online banking account, click “Apply Now,” select “Credit Cards & Loans” then “Personal Loans” to start your application.

Holiday Loan

Don’t let holiday spending stress you out. Our Holiday Loan can put a little extra cash in your pocket this season, giving you one less thing to worry about. This loan is traditionally available October through January.

Fast Funds Loan

This short-term loan option is designed to give you access to emergency funds at an affordable rate during your financial time of need.

Visit your local branch or call us at (800) 533-0035 to apply.

Our Rates*

  • APY as high as

    0.65%

    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

    1.26%

    Share Certificates

    Regular Share Certificates

*Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective October 1, 2020.

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

    5.24%

    RV

    Vehicle Loans

*Auto Rates and Information

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

Our Rates*

  • APR as low as

    2.785%

    15-Year Fixed

    Home Loans

  • APR as low as

    3.159%

    30-Year Fixed

    Home Loans

  • APR as low as

    2.944%

    5/1 Arm (30-Year)

    Home Loans

*Home Loan Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective August 7, 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

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

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

*Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective October 1, 2020.

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

0.65%

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

1.26%

Share Certificates

Regular Share Certificates

*Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective October 1, 2020.

APR as low as

1.80%

New Auto

Vehicle Loans

APR as low as

1.80%

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 August 01, 2020.

APR as low as

2.785%

15-Year Fixed

Home Loans

APR as low as

3.159%

30-Year Fixed

Home Loans

APR as low as

2.944%

5/1 Arm (30-Year)

Home Loans

*Home Loan Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective August 7, 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

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

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

*Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective October 1, 2020.

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.

EDUCATION

Money Trip

Everyone loves taking a vacation, but not everyone can afford it. To solve that problem, some people have taken out loans to fund their trips abroad. Companies like Affirm and UpLift are taking advantage of this trend — they cater to people who want to borrow money to fund their traveling. Like many things, there are (some) good and (a few) bad sides to making this money move.

Read More

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Debi, member since 1981

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¹APR is Annual Percentage Rate and accurate as of 03/31/2020. Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications. All loans are subject to approval. Member must be in good standing. For a $3,000 Emergency Loan with a 24-month term at 4.00% APR, the approximate monthly payment would be $130.28. This sample payment is calculated prior to direct deposit discount. Ask the Credit Union for more details.

²A 0.25% discount will be given for direct deposit into an American Airlines Federal Credit Union checking account. Direct deposit discount begins on the first month after the loan is funded 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.

³Although no payment is due for up to 90 days, interest and credit insurance premiums (if applicable) continue to accrue during deferred payment period.