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.
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 2023, 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.
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.
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.
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 2023, 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.
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.
Our Rates^
-
APY as high as
2.02%
Savings
Share/IRA Accounts
-
APY as high as
4.25%
Short-Term Share Certificate
Share Certificate
-
APY as high as
4.05%
Share Certificate
Share/IRA Certificates
-
APY as high as
4.07%
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
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective July 1, 2025.
Our Rates^
-
APR as low as
3.99%
New Auto
Up to 36 Months
-
APR as low as
4.49%
Used Auto
Up to 36 Months
-
APR as low as
4.74%
New Auto
Up to 60 months
-
APR as low as
5.24%
Used Auto
Up to 60 months
-
APR as low as
6.99%
RV
Vehicle Loans
-
APR as low as
6.74%
Boat/Airplane
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 11, 2025.
Our Rates^
-
APR as low as
6.083%
15-Year Fixed
Home Loans
-
APR as low as
6.583%
30-Year Fixed
Home Loans
-
APR as low as
6.558%
5/1 Arm (30-Year)
Home Loans
-
APR as low as
7.250%
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 July 14, 2025. View Full Disclosures.
Our Rates^
-
APR
15.00% - 17.00%
Signature Cash Back
Credit Cards
-
APR
12.75% - 18.00%
Platinum Rewards
Credit Cards
-
APR
11.25% - 18.00%
Platinum Low Rate
Credit Cards
-
APR
16.49%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective July 1, 2025.
Our Rates^
-
APY as high as
0.15%
Business Checking
Checking Accounts
-
APY as high as
0.40%
Business Savings Account
(Share) Savings Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective July 1, 2025.
Our Rates^
-
APR
12.99% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2025.
Our Rates^
APY as high as
2.02%
Savings
Share/IRA Accounts
APY as high as
4.25%
Short-Term Share Certificate
Share Certificate
APY as high as
4.05%
Share Certificate
Share/IRA Certificates
APY as high as
4.07%
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
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective July 1, 2025.
APR as low as
3.99%
New Auto
Up to 36 Months
APR as low as
4.49%
Used Auto
Up to 36 Months
APR as low as
4.74%
New Auto
Up to 60 months
APR as low as
5.24%
Used Auto
Up to 60 months
APR as low as
6.99%
RV
Vehicle Loans
APR as low as
6.74%
Boat/Airplane
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 11, 2025.
APR as low as
6.083%
15-Year Fixed
Home Loans
APR as low as
6.583%
30-Year Fixed
Home Loans
APR as low as
6.558%
5/1 Arm (30-Year)
Home Loans
APR as low as
7.250%
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 July 14, 2025. View Full Disclosures.
APR
15.00% - 17.00%
Signature Cash Back
Credit Cards
APR
12.75% - 18.00%
Platinum Rewards
Credit Cards
APR
11.25% - 18.00%
Platinum Low Rate
Credit Cards
APR
16.49%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective July 1, 2025.
APY as high as
0.15%
Business Checking
Checking Accounts
APY as high as
0.40%
Business Savings Account
(Share) Savings Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective July 1, 2025.
APR
12.99% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2025.
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♦
- Apple Watch – To turn on, simply log into our mobile app and select “Apple Watch” under “Settings” in the left-hand menu.
♦ Message and data rates may apply. Check with your mobile provider.
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.
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:
- Autobooks Small business owners can simplify their books, manage cash flow and access the necessary reports.
- Changed Borrowers can pay down debt with spare change to save time and money and reach their goals sooner.
- 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.
- 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.
- 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.
