Member Benefits
Being a Credit Union member has its perks.
Apply NowEarn up to $200.
Open a new Priority, Flagship, Ascend, uChecking, or Business checking account and you can earn up to $200.
BEING A MEMBER HAS ITS BENEFITS.
As a member of the Credit Union, you get so much more than great everyday rates on a variety of loans and deposits. Being part of the aviation-focused Credit Union family, you could be eligible for our annual bonus dividend and discounts to make savings bigger and low rates even lower. Complimentary financial wellness tools and access to a more extensive ATM network than many large banks are just some of the great perks of membership with American Airlines Credit Union.
Taking full advantage of your Credit Union benefits could save you thousands.
BONUS DIVIDENDS
Our annual Bonus Dividend, while not a guarantee, has become one of the best benefits of Credit Union membership. The more you participate as a member, the more you’ll receive at the end of the year. Since we first began offering Bonus Dividends, the Credit Union has returned more than $193 million to our members.
ACCESS TO CASH
You’ll find more than 70,000 domestic ATMs and 15,000 international ATMs in the CO-OPSM and Allpoint® networks, plus, more than 5,000 shared branches that offer easy access for our member-owners.
Get cash back while shopping at your favorite retail store or access an ATM at many popular retailers, like Target, CVS Pharmacy, Walgreens, Costco, Kroger, Safeway, Rite Aid, 7-Eleven and other locations nearby.
LOAN DISCOUNTS
Make the most of your membership by taking advantage of multiple discounts6 for direct deposit, loan loyalty or being a new member. In addition, we offer a rate reduction for certain first-time loans.
Direct Deposit Discount
Receive a 0.25% APR^ discount when you set up direct deposit into your 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.
Discount is available on the following loans:
- Auto
- Boat
- Airplane
- Recreational vehicles
Welcome Aboard Discount
Receive a 0.25% APR^ discount within the first 90 days of opening your Credit Union membership.
Discount is available on the following fixed-rate loans:
- Auto
- Home Equity Line of Credit (HELOC)
Loan Loyalty Discount
Receive a 0.25% APR^ discount if you have two or more loans with an active balance within the last two years. Auto loans need activity within the last four years.
Discount is available on the following fixed-rate loans:
- Auto
- Home Equity Line of Credit (HELOC)
Timely Payment Discount
Receive a 2% APR^ discount and a lower monthly payment if you are a first-time auto or personal loan borrower or you don’t qualify for one of our better rates.
To earn this discount, you must meet the following requirements:
- Make all of your loan payments on time for 12 months.
- Set up auto-transfer payments from your share or checking account.
- Sign up for free online statements.
- Record American Airlines Federal Credit Union” as lienholder and ensure all title work is processed on vehicle loans.
- Provide documentation of full-coverage insurance with “American Airlines Federal Credit Union” listed as loss payee for auto loans. (vehicle loans only)
As long as you continue to meet these requirements, you can qualify for this additional discount every 12 months throughout the life of your loan until you reach a certain interest rate minimum based on your loan terms.
Direct Deposit Discount
Receive a 0.25% APR^ discount when you set up direct deposit into your 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.
Discount is available on the following loans:
- Auto
- Boat
- Airplane
- Recreational vehicles
Welcome Aboard Discount
Receive a 0.25% APR^ discount within the first 90 days of opening your Credit Union membership.
Discount is available on the following fixed-rate loans:
- Auto
- Home Equity Line of Credit (HELOC)
Loan Loyalty Discount
Receive a 0.25% APR^ discount if you have two or more loans with an active balance within the last two years. Auto loans need activity within the last four years.
Discount is available on the following fixed-rate loans:
- Auto
- Home Equity Line of Credit (HELOC)
Timely Payment Discount
Receive a 2% APR^ discount and a lower monthly payment if you are a first-time auto or personal loan borrower or you don’t qualify for one of our better rates.
To earn this discount, you must meet the following requirements:
- Make all of your loan payments on time for 12 months.
- Set up auto-transfer payments from your share or checking account.
- Sign up for free online statements.
- Record American Airlines Federal Credit Union” as lienholder and ensure all title work is processed on vehicle loans.
- Provide documentation of full-coverage insurance with “American Airlines Federal Credit Union” listed as loss payee for auto loans. (vehicle loans only)
As long as you continue to meet these requirements, you can qualify for this additional discount every 12 months throughout the life of your loan until you reach a certain interest rate minimum based on your loan terms.
Committed to Your Financial Wellness
Committed to Your Financial Wellness
COMPLIMENTARY SERVICES FOR OUR MEMBERS
The Credit Union offers these options for members with documents that require additional verification.
Medallion Signature Guarantee
Requests involving the transfer of securities may require a guaranteed signature. The Securities Transfer Agents Medallion Program (STAMP) allows the Credit Union to guarantee members’ signatures for these transactions.
How do I obtain a Medallion Signature Guarantee?
You’ll need a valid federal or state government-issued photo ID in addition to documents showing ownership and/or legal capacity to sign.
Availability of this service is limited. Contact us at (877) 832-6334 for more information.
NOTARY SERVICES
If you’re in need of notary services, the Credit Union can help. This free service is offered at most of our branches. Please call the branch prior to arrival to verify a qualified staff member is available to assist.
What do I need to bring with me?
For notary services, please bring the document you need notarized along with a valid driver license or other government-issued photo ID. We may not be able to accept certain documents for notarization, such as documents in languages other than English. Contact the branch with any questions.
Medallion Signature Guarantee
Requests involving the transfer of securities may require a guaranteed signature. The Securities Transfer Agents Medallion Program (STAMP) allows the Credit Union to guarantee members’ signatures for these transactions.
How do I obtain a Medallion Signature Guarantee?
You’ll need a valid federal or state government-issued photo ID in addition to documents showing ownership and/or legal capacity to sign.
Availability of this service is limited. Contact us at (877) 832-6334 for more information.
NOTARY SERVICES
If you’re in need of notary services, the Credit Union can help. This free service is offered at most of our branches. Please call the branch prior to arrival to verify a qualified staff member is available to assist.
What do I need to bring with me?
For notary services, please bring the document you need notarized along with a valid driver license or other government-issued photo ID. We may not be able to accept certain documents for notarization, such as documents in languages other than English. Contact the branch with any questions.
“Customer service still reigns supreme at the Credit Union and they make any banking encounter easy.”
Rosemary, member since 1998
* The projected savings are for illustrative purposes only and your actual savings may differ based on the account terms and conditions, rates and fees. The projected savings are based on estimates when opening a new product; there is no guarantee of savings either expressed or implied. Estimates are as of 08/2025.
1 Possible savings is based on 4.74% APR on a new auto loan of $39,000 with American Airlines Credit Union and a loan term of 60 months. APR is accurate as of 07/21/2025 and includes rate discounts of 0.50% APR. See our Rate Schedule for more information. Savings are based on national auto loan average of 6.96% APR and is taken from S&P as of 08/04/2025. Not all loans may qualify.
2 Possible savings is based on rate of 6.375% on a $360,000 mortgage loan with American Airlines Credit Union and a loan term of 30 years. Rate is accurate as of 7/14/2025 and includes one discount point. See our Rate Schedule for more information. Savings are based on national mortgage loan average rate of 6.730% and is taken from S&P as of 08/04/2025. Not all loans may qualify.
3 Possible savings is based on a new Visa Signature Cash Back credit card. Earn a $250 cash back rebate when you make at least $5,000 in net purchases within 90 days of account opening. Bonus will be paid at the end of the statement cycle in which the final qualifying transaction was made. In addition, $260 cash rebate can be earned, assuming an average annual spend of $13,000 and 2.00% cash back on all net purchases (purchases less any credits, returns, and adjustments), compared to a credit card with no cash back rewards. Account must be in good standing to receive a cash rebate. Savings also assumes $105 annual fee according to the industry standard listed by the CFPB Consumer Credit Card Market Report published 10/2023. In addition, each Eligible Cardholder account can receive one (1) Global Entry statement credit equal to one hundred United States dollars ($100 USD) every four (4) years; or two (2) TSA PreCheck program statement credits up to one hundred dollars ($100) every four (4) years. After the first occurrence of the airport security credit, Visa will start the four (4) year clock on eligibility from the award generation date. The account (individual 16-digit account number) will again be eligible for an airport security credit after four (4) years from the initial award generation data.
4 Possible savings is based on national credit card average debt of $6,455 as of 2025 Q2 according to TransUnion. Savings are based on a home equity line of credit (HELOC) with American Airlines Credit Union with an APR (Annual Percentage Rate) of 7.250% as of 01/24/2025. See our Rate Schedule for more information. The savings are compared to the national average credit card APR of 16.50% which is from S&P as of 08/04/2025.
5 Average Credit Union member savings based on new checking bonus of $100 when you receive at least $500 in direct deposit into your checking account for two consecutive months. Final qualifying transaction must be completed within 60 days of account opening. Bonus will be paid within 60 days after the final qualifying transaction. Any bonus will be forfeited if account is closed prior to bonus award date. This offer is non-transferable. Any bonuses or monies received in association within this promotion are subject to IRS reporting requirements. Recipients are responsible for income tax liability, if applicable. Checking is subject to credit approval. In addition, annual average dividend rate of $6.48 paid out to members in Priority Checking plus ATM refunds paid to members, no foreign ATM fees charged for non-Credit Union ATM usage, $25 overdraft fee versus average fee of $34 (according to CFPB). See Consumer Rates and Fees for further terms and conditions of Priority Checking.
6 Maximum is 0.50% for Direct Deposit, Loan Loyalty, or Welcome Aboard Discounts. Loyalty and Welcome Aboard Discounts cannot be combined. Rate reduction discount for first-time loans cannot be combined with any other discounts offered. Not all members will qualify.
^ APR is Annual Percentage Rate.
CO-OP Shared BranchSM and CO-OP ATMSM are marks of CO-OP Financial Services.
Allpoint is a registered trademark of ATM National, LLC. Allpoint is not a mark of American Airlines or American Airlines Federal Credit Union.
ФSurcharge-free withdrawals at selected ATMs only. Look for participating retailers for surcharge-free ATMs.
