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Checking

Type APY as high as
Priority 2.27%
Flagship   .50%
Rates subject to change without notice
APY=Annual Percentage Yield
Rates Effective November 01, 2018
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Savings

Type APY as high as
Savings 1.97%
IRA Savings 1.97%
Share Certificates 3.25%
Rates subject to change without notice
APY=Annual Percentage Yield
Rates Effective November 15, 2018
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Auto/Vehicle Loans

Type APR as low as
New Auto 2.35%
Used Auto 2.35%
RV 5.74%
Rates subject to change without notice
APR=Annual Percentage Rate
Rates Effective November 01, 2018
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Home Loans

Type APR as low as
15 Year Fixed 4.099%
30 Year Fixed 4.632%
5/1 ARM (30 Year) 4.773%
Rates subject to change without notice
APR=Annual Percentage Rate
Rates Effective October 12, 2018
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Visa® Credit Cards

Type APR
Platinum 9.00% - 14.24%
Rewards 10.50% - 16.24%
Secured 14.24%
Rates subject to change without notice
APR=Annual Percentage Rate
Rates Effective October 01, 2018
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P.O. Box 619001 MD 2100, HDQ
DFW Airport, TX 75261-9001
(800) 533-0035
(817) 952-4500 | Outside USA, Canada, Puerto Rico, & U.S. Virgin Islands
ABA / Routing # 311992904

Auto Loans

Evaluating Used Vehicles

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Evaluating Used Vehicles

A wisely-purchased used vehicle can be a much better value than new vehicles for many individuals. You could buy "more" vehicle, suffer less depreciation and have lower monthly payments when buying the right used vehicle. However, buying a used vehicles can be risky too, so you should thoroughly investigate the vehicle you're interested in buying before purchasing.

We’ve put together a list of helpful points to remember when you’re shopping for a used vehicle.

  • Read What to Do with Your Old Car to learn what sellers do to sell their vehicles for the highest possible prices.
  • Before you purchase any used vehicle, contact an American Airlines Credit Union Loan Officer to receive a Free AutoCheck® VHR (Vehicle History Report) so that you can learn whether the vehicle has been totaled, stolen, has salvaged titles, or had the odometers rolled back — all major problems that can dramatically impact value and safety.
  • Determine wholesale values for vehicles and negotiate up from those and not down from retail values to determine purchase prices:
    • American Airlines Credit Union Loan Officers use the N.A.D.A. Official Used Car Guide to determine trade-in (wholesale) value and will share that information with member-owners.
    • American Airlines Credit Union's Preferred Dealer Networks’ online pricing service provides wholesale and retail values on vehicles from three of the world's leading used auto valuation companies.
    • Read the classified section of local newspapers to see what sellers are asking for similar vehicles in your area.
    • Compare prices from several used vehicle lots.
  • Have vehicle valued by reliable, certified mechanics:
    • Make certain that they use complete checklists
    • Fees can range from $75 to $175 but can save you money in the long run
    • Several sources are available:
      • First try your regular, trusted mechanic
      • Check your local Yellow Pages under Auto Appraisers
      • Contact diagnostic or service centers
      • Within the Dallas/Fort Worth area, Auto Critic mechanics will come to any location and can be reached at (817) 460-8388 or (972) 386-8388
  • Repair costs uncovered by vehicle appraisers or mechanics should be subtracted from the purchase price you are willing to pay. A vehicle worth $7,000 that needs $1,000 in repairs is only worth $6,000.

Drive Your Savings Home Apply Online or speak with a Phone Loan representative at 800 533 0035 extension 36222. Apply NowAuto Lending Calculator

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