Membership

When you join the Credit Union family, you’re not a customer. You’re a member and an owner. You’re not just another face, you have a life and financial future we want to help shape. You have an account with people you can count on. People, not just a company. And as long as we’re in charge, we’ll never charge more than we need to.

Who we are

  • We're a full-service financial institution; like a bank, but better. 
  • We're an exclusive benefit for employees of the air transportation industry and their family members.
  • We're member-owned. We have more than 316,000 member-owners –  no outside stakeholders. 
  • We're not-for-profit. All profits are returned to our members in the form of reduced fees, higher dividend rates and lower loan rates. 
  • We're financially strong and dependably sound, caring for our members since 1936.

Learn more about us

What we do

  • A wide variety of banking and lending products and services
  • Higher savings rates and lower loan rates compared to other financial institutions, plus extra discounts
  • Complimentary financial wellness solutions that include credit score and credit monitoring, financial wellness check-ups and financial planning
  • Robust Mobile and Online Banking services, 46 Credit Union branches located throughout the United States, more than 70,000 surcharge-free domestic ATMs and 15,000 international ATMs in the CO-OP and Allpoint networks, plus more than 5,000 shared branches that offer easy access for our member-owners

Member Benefits

Bonus Dividends*

In 2022, we returned more than $10 million in bonus dividends to members like you.

Loan Discounts

We know you have options so we want to reward you with a variety of discounts available on vehicle and home equity loans.

Tools and Resources

Whether you’re hunting for a new vehicle, looking to purchase your first home or seeking retirement advice, we have a number of services designed to make your life easier.

Learn More

Awards and recognition

We're proud to be awarded No. 7 in the Best Credit Unions of 2022  and No. 6 in the Top 100 Banks of 2022 by GoBankingRates.

 

Learn more

     Best-Banks-Badge-2022-Top_100_badge.png

Why Join?

WE SERVE THE AIRLINE INDUSTRY

American Airlines started more than 80 years ago, when a small group of American Airlines employees formed a financial institution dedicated to helping their colleagues. Today, American Airlines Credit Union is open to anyone working in the Air Transportation Industry and their families.

Learn more about Eligibility

About Us

American Airlines Federal Credit Union was founded in 1936 by a small group of American Airlines employees who shared the goal of creating a member-owned, cooperative financial institution where employees could help one another.

Learn more about the Credit Union

Member Stories

FEATURED STORY: PRAMOD'S NEW CAR

After coming to America in 2000, Pramod Bohra, 41, discovered the Credit Union through co-workers and was grateful to get started right away with savings and financial planning. But he certainly didn’t stop there.

 

Continue Reading

Who we are

  • We're a full-service financial institution; like a bank, but better. 
  • We're an exclusive benefit for employees of the air transportation industry and their family members.
  • We're member-owned. We have more than 316,000 member-owners –  no outside stakeholders. 
  • We're not-for-profit. All profits are returned to our members in the form of reduced fees, higher dividend rates and lower loan rates. 
  • We're financially strong and dependably sound, caring for our members since 1936.

Learn more about us

What we do

  • A wide variety of banking and lending products and services
  • Higher savings rates and lower loan rates compared to other financial institutions, plus extra discounts
  • Complimentary financial wellness solutions that include credit score and credit monitoring, financial wellness check-ups and financial planning
  • Robust Mobile and Online Banking services, 46 Credit Union branches located throughout the United States, more than 70,000 surcharge-free domestic ATMs and 15,000 international ATMs in the CO-OP and Allpoint networks, plus more than 5,000 shared branches that offer easy access for our member-owners

Member Benefits

Bonus Dividends*

In 2022, we returned more than $10 million in bonus dividends to members like you.

Loan Discounts

We know you have options so we want to reward you with a variety of discounts available on vehicle and home equity loans.

Tools and Resources

Whether you’re hunting for a new vehicle, looking to purchase your first home or seeking retirement advice, we have a number of services designed to make your life easier.

Awards and recognition

We're proud to be awarded No. 7 in the Best Credit Unions of 2022  and No. 6 in the Top 100 Banks of 2022 by GoBankingRates.

 

Learn more

     Best-Banks-Badge-2022-Top_100_badge.png

Why Join?

WE SERVE THE AIRLINE INDUSTRY

American Airlines started more than 80 years ago, when a small group of American Airlines employees formed a financial institution dedicated to helping their colleagues. Today, American Airlines Credit Union is open to anyone working in the Air Transportation Industry and their families.

About Us

American Airlines Federal Credit Union was founded in 1936 by a small group of American Airlines employees who shared the goal of creating a member-owned, cooperative financial institution where employees could help one another.

Member Stories

FEATURED STORY: PRAMOD'S NEW CAR

After coming to America in 2000, Pramod Bohra, 41, discovered the Credit Union through co-workers and was grateful to get started right away with savings and financial planning. But he certainly didn’t stop there.

 

Become a Member

Start building your future with us today.

Join Now

Our Rates^

  • APY as high as

    2.38%

    Savings

    Share Accounts

  • APY as high as

    2.38%

    IRA Savings

    IRA Share Accounts

  • APY as high as

    5.33%

    Share Certificate

    Share/IRA Certificates

  • APY as high as

    4.33%

    Ladder Certificates

    Share/IRA Certificates

  • APY as high as

    0.40%

    Priority Checking

    Checking Accounts

  • APY as high as

    0.25%

    Flagship Checking

    Checking Accounts

^Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective September 1, 2023.

Our Rates^

  • APR as low as

    4.59%

    New/Used Auto

    Up to 36 Months

  • APR as low as

    5.34%

    New/Used Auto

    Up to 60 months

  • APR as low as

    6.24%

    RV

    Vehicle Loans

  • APR as low as

    5.99%

    Boat/Airplane

    Vehicle Loans

^Auto & Recreational Loans

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective September 13, 2023.

Our Rates^

  • APR as low as

    6.845%

    15-Year Fixed

    Home Loans

  • APR as low as

    7.091%

    30-Year Fixed

    Home Loans

  • APR as low as

    7.690%

    5/1 Arm (30-Year)

    Home Loans

  • APR as low as

    5.875%

    5/10 Fixed

    Owner Occupied HELOC

^Home Loan Rates and Information and HELOC Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective September 14, 2023.  View Full Disclosures.

Our Rates^

  • APR

    15.75% - 17.75%

    Signature Cash Back

    Credit Cards

  • APR

    13.50% - 18.00%

    Platinum Rewards

    Credit Cards

  • APR

    12.00% - 17.24%

    Platinum Low Rate

    Credit Cards

  • APR

    17.24%

    Platinum Secured

    Credit Cards

^Credit Card Rates and Fees

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective July 1, 2023.

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 September 1, 2023.

Our Rates^

  • APR

    13.74% - 18.00%

    Platinum

    Credit Cards

^Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective July 1, 2023.

Our Rates^

APY as high as

2.38%

Savings

Share Accounts

APY as high as

2.38%

IRA Savings

IRA Share Accounts

APY as high as

5.33%

Share Certificate

Share/IRA Certificates

APY as high as

4.33%

Ladder Certificates

Share/IRA Certificates

APY as high as

0.40%

Priority Checking

Checking Accounts

APY as high as

0.25%

Flagship Checking

Checking Accounts

^Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective September 1, 2023.

APR as low as

4.59%

New/Used Auto

Up to 36 Months

APR as low as

5.34%

New/Used Auto

Up to 60 months

APR as low as

6.24%

RV

Vehicle Loans

APR as low as

5.99%

Boat/Airplane

Vehicle Loans

^Auto & Recreational Loans

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective September 13, 2023.

APR as low as

6.845%

15-Year Fixed

Home Loans

APR as low as

7.091%

30-Year Fixed

Home Loans

APR as low as

7.690%

5/1 Arm (30-Year)

Home Loans

APR as low as

5.875%

5/10 Fixed

Owner Occupied HELOC

^Home Loan Rates and Information and HELOC Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective September 14, 2023.  View Full Disclosures.

APR

15.75% - 17.75%

Signature Cash Back

Credit Cards

APR

13.50% - 18.00%

Platinum Rewards

Credit Cards

APR

12.00% - 17.24%

Platinum Low Rate

Credit Cards

APR

17.24%

Platinum Secured

Credit Cards

^Credit Card Rates and Fees

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective July 1, 2023.

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 September 1, 2023.

APR

13.74% - 18.00%

Platinum

Credit Cards

^Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective July 1, 2023.

Mobile & Digital Services

We understand your on-the-go account access needs.

Mobile Apps

Our mobile apps offer a number of convenient services, including mobile check deposit, bill pay, credit score monitoring, personal financial management tools and more!

GET THE APPS

Download from the Apple Store

Download from Google Play

  • Apple Watch – To turn on, simply log into our mobile app and select “Apple Watch” under “Settings” in the left-hand menu.
 Mobile services require web access. Check with your wireless carrier for any fees that may apply.
Apple Watch is trademark of Apple Inc.
Google Play is a registered trademarks of Google LLC.

Digital Wallet

Add your Credit Union debit and credit cards to your enabled device to make secure payments and simplify your checkout experience with a variety of digital payment options.

Apple Pay and Apple Watch are trademarks of Apple Inc.
Samsung Pay is a registered trademark of Samsung Electronics Co. Ltd.
Google Pay and Google Play are registered trademarks of Google LLC.
Visa is a registered trademark of Visa International Service Association. The EMV® SRC payment icon, consisting of a pentagon design oriented on its side with a stylized depiction of a fast forward symbol on the right, formed by a continuous line, is a trademark owned by and used with permission of EMVCo, LLC.

Financial Management Tools

Our budget and finances feature allows our members to track their spending with a fully interactive, real-time updating dashboard that loads existing Credit Union accounts while allowing the addition of accounts from other financial institutions. Within your online banking account you have access to two tools that help you keep your finances on track:

  •  Personal Finance Manager and Credit Monitoring.
Learn More

MARKETPLACE

With our one-stop shop for financial apps, you can select from a set of third-party apps to help you run your business, pay down loans fast, donate to charities and much more – all in one convenient location.

Please note: Fees and qualifications vary by app.

Apps include:

  1. Autobooks Small business owners can simplify their books, manage cash flow and access the necessary reports.
  2. Changed Borrowers can pay down debt with spare change to save time and money and reach their goals sooner.
  3. Givio Individuals can donate to more than 1.6 million 501(c)3 nonprofits – or support a cause from a list of local nonprofits – directly from their bank account.
  4. OneDigitalTrust Users of this estate- and inheritance-planning platform can create legal documents, including wills, living trusts, healthcare and financial powers of attorney and others.
  5. Trustworthy® Successful modern families can collaborate with loved ones and advisors to protect and organize their most important information. Secure items like family IDs, money, property, passwords, insurance, tax records, estate documents, contacts, and more – all in one place.

To register: Use a browser to log into online banking and select “Marketplace” to get started. Your Marketplace apps can be managed through the Credit Union app after completing registration on a browser.

American Airlines Credit Union does not assume any responsibility or liability for any purchases or promotions made by a third party

Message and data rates may apply. Check with your mobile provider.

Message and data rates may apply. Check with your mobile provider.

* Bonus dividends are not guaranteed.