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Our Rates View More Rates
Checking
Type | APY as high as |
---|---|
Priority | 2.27% |
Flagship | .50% |
Rates subject to change without notice APY=Annual Percentage Yield |
View Checking Disclosures
Checking Account Switch Kit
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 |
View Savings Disclosures
Auto/Vehicle Loans
Type | APR as low as |
---|---|
New Auto | 2.35% |
Used Auto | 2.35% |
RV | 5.24% |
Rates subject to change without notice APR=Annual Percentage Rate |
View Auto Disclosures
Apply for your Auto Loan Online
Home Loans
Type | APR as low as |
---|---|
15 Year Fixed | 3.846% |
30 Year Fixed | 4.380% |
5/1 ARM (30 Year) | 4.770% |
Rates subject to change without notice APR=Annual Percentage Rate |
View Home Loan Disclosures
Apply for your Home Loan Online
Visa® Credit Cards
Type | APR |
---|---|
Platinum | 9.25% - 14.49% |
Rewards | 10.75% - 16.49% |
Secured | 14.49% |
Rates subject to change without notice APR=Annual Percentage Rate |
View Disclosures
Apply for your Credit Card Online
Questions?
Monday–Saturday, 8am–5pm, CST
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
Bounce Protection Plus



Bounce Protection Plus
To extend our overdraft coverage, we've added a new service for Debit Card and ATM transactions - Bounce Protection Plus. To comply with the Federal Reserve's Regulation E, you must notify us if you want transactions made with your ATM or Debit Card to be eligible for payment through our new Bounce Protection Plus service should you ever find yourself in a situation where your account is inadvertently overdrawn.
Get the benefit of Plus! | BOUNCE PROTECTION1 Standard Overdraft Coverage |
BOUNCE PROTECTION PLUS2 Enhanced Overdraft Coverage |
---|---|---|
How you get it | Included | Opt-in |
Fee | $25.00 Per Overdraft Item | $25.00 Per Overdraft Item |
Check | Approved | |
ACH | Approved | |
Debit Card Signature | Declined | Approved |
Debit Card Pin | Declined | Approved |
ATM | Declined | Approved |
Opting-in to Bounce Protection Plus takes overdraft protection to a new level. Unlike other financial institutions, with Bounce Protection Plus you'll only pay one cent (1¢) per overdraft2, here's how:
Let's say you're using your ATM or Debit Card at the grocery store and the amount of your purchase exceeds your available balance, your transaction will be declined. However, if you've opted-in to Bounce Protection Plus your transaction will be approved and you'll only pay one cent (1¢) per overdraft:
- American Airlines Credit Union will charge you only one cent (1¢) per overdraft item provided you either:
- Correct the overdraft before 8:00 PM (Central Time), or
- You had a small overdraft that did not take your end-of-day account balance into the negative by more than $10.
- Correct the overdraft before 8:00 PM (Central Time), or
With Bounce Protection Plus you don't pay anything unless you use the service and there is no cost to enroll. Opt-in today so you won't be left at the check-out counter!
1 Bounce Protection overdraft service is automatically included on all of our Checking accounts except Ascend. Bounce Protection covers overdrafts that may occur when payments are made via check or automated (ACH) payment when not enough funds are available to cover a transaction. American Airlines Credit Union charges a $25 fee per item paid using this service. Checking account must have Direct Deposit to be eligible for this service. Maximum dollar amount the checking account is allowed to go negative is $500. Once an overdraft has occurred, you are obligated to bring your account to a positive balance within 30 days. We pay overdrafts at our discretion and do not guarantee that we will always pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be returned. For example, we typically do not pay overdraft(s) on accounts opened less than 90 days, if your account is not in good standing; which includes, but is not limited to, any negative balance or past due loans over 30 days, if you are not making regular deposits, or if you have too many overdrafts. See our Rate & Fee Schedule for more information.
2 Bounce Protection Plus allows you to pay only one cent (1¢) per overdraft item provided you either: correct the overdraft before 8:00 PM (CST) or your overdraft did not take your end-of-day account balance into the negative by more than $10, otherwise the overdraft fee of $25 will apply for each overdraft item. Once an overdraft has occurred, you are obligated to bring your account to a positive balance within 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdraft(s) on accounts opened less than 90 days, if your account is not in good standing; which includes, but is not limited to, any negative balance or past due loans over 30 days, if you are not making regular deposits, or if you have too many overdrafts. See our Rate & Fee Schedule for more information.



Enrollment is temporarily suspended for online banking.
We’re preparing to bring you a new online banking system. Due to this process, new first time enrollments for online and mobile banking will be temporarily unavailable between June 10 and June 16, 2015.
Once the new system is available on June 17, you’ll be able to complete your enrollment and enjoy our new experience.
Existing users can continue to log in with their credentials with no interruption.
We apologize for any inconvenience.