CAN YOU WORK FOR ANY AIRLINE AND BECOME A MEMBER? YES!
If you work for any airline, any airport, or in any part of the aviation industry, yes, you can be a member!* And you can apply for membership as early as your first day of air transportation employment.
YOUR $25 NEW MEMBER SIGN-UP BONUS**
When you become a member, we'll deposit $25 directly into your account within the first week. Plus, when you refer your friends and family, you'll receive an additional $25 per person who joins!¹
BECOME A MEMBER
BEING A MEMBER HAS ITS BENEFITS
Our members enjoy a wide array of exclusive benefits you won't find anywhere else. From our better-than-a-bank rates to smarter money management tools to help you reach your financial goals, you deserve to have a better banking experience.
BANK WHERE YOU WORK
When work has you on the go, you'll always have easy access to your Credit Union. With 45 branches across major U.S. cities and airports, online and mobile banking, more than 5,000 shared branch locations, and 85,000 ATMs, we are where you are.
LOW RATES ON BORROWING
From buying a home to refinancing your car, you'll receive exclusive deals on higher savings rates and lower loan rates on life's biggest financial decisions. Not to mention the additional member discounts.
SOLUTIONS TAILORMADE FOR YOU
We know the air transportation industry and its workers, which is why we offer financial banking and lending solutions designed with you in mind — such as seamless banking tools to manage your money, and financial wellness checkups and planning.
ACCESS FUNDS WHEN YOU NEED THEM
Being a member means having access to money you need when you need it. Whether you need to fund a renovation project with a Home Equity Line of Credit (HELOC) or take out a personal loan.
BANK WHERE YOU WORK
When work has you on the go, you'll always have easy access to your Credit Union. With 45 branches across major U.S. cities and airports, online and mobile banking, more than 5,000 shared branch locations, and 85,000 ATMs, we are where you are.
LOW RATES ON BORROWING
From buying a home to refinancing your car, you'll receive exclusive deals on higher savings rates and lower loan rates on life's biggest financial decisions. Not to mention the additional member discounts.
SOLUTIONS TAILORMADE FOR YOU
We know the air transportation industry and its workers, which is why we offer financial banking and lending solutions designed with you in mind — such as seamless banking tools to manage your money, and financial wellness checkups and planning.
ACCESS FUNDS WHEN YOU NEED THEM
Being a member means having access to money you need when you need it. Whether you need to fund a renovation project with a Home Equity Line of Credit (HELOC) or take out a personal loan.
THREE EASY WAYS TO JOIN
Take advantage of the path to membership that works for you:
- Apply online.
- Visit a branch location near you.
- Call us at (800) 533-0035 to apply over the phone.
Our Rates^
-
APY as high as
1.87%
Savings
Share/IRA Accounts
-
APY as high as
4.05%
Short-Term Share Certificate
Share Certificate
-
APY as high as
4.00%
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 September 1, 2026.
Our Rates^
-
APR as low as
3.34%
New Auto
Up to 36 Months
-
APR as low as
3.84%
Used Auto
Up to 36 Months
-
APR as low as
4.09%
New Auto
Up to 60 months
-
APR as low as
4.59%
Used Auto
Up to 60 months
-
APR as low as
6.34%
RV
Vehicle Loans
-
APR as low as
5.59%
Boat/Airplane
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
Our Rates^
-
APR as low as
6.210%
15-Year Fixed
Home Loans
-
APR as low as
6.583%
30-Year Fixed
Home Loans
-
APR as low as
6.533%
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 August 4, 2026. View Full Disclosures.
Our Rates^
-
APR
14.25% - 16.25%
Signature Cash Back
Credit Cards
-
APR
12.00% - 17.74%
Platinum Rewards
Credit Cards
-
APR
10.50% - 18.00%
Platinum Low Rate
Credit Cards
-
APR
15.74%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective July 1, 2026.
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 September 1, 2026.
Our Rates^
-
APR
12.24% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2026.
Our Rates^
APY as high as
1.87%
Savings
Share/IRA Accounts
APY as high as
4.05%
Short-Term Share Certificate
Share Certificate
APY as high as
4.00%
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 September 1, 2026.
APR as low as
3.34%
New Auto
Up to 36 Months
APR as low as
3.84%
Used Auto
Up to 36 Months
APR as low as
4.09%
New Auto
Up to 60 months
APR as low as
4.59%
Used Auto
Up to 60 months
APR as low as
6.34%
RV
Vehicle Loans
APR as low as
5.59%
Boat/Airplane
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
APR as low as
6.210%
15-Year Fixed
Home Loans
APR as low as
6.583%
30-Year Fixed
Home Loans
APR as low as
6.533%
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 August 4, 2026. View Full Disclosures.
APR
14.25% - 16.25%
Signature Cash Back
Credit Cards
APR
12.00% - 17.74%
Platinum Rewards
Credit Cards
APR
10.50% - 18.00%
Platinum Low Rate
Credit Cards
APR
15.74%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective July 1, 2026.
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 September 1, 2026.
APR
12.24% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2026.
Tailored Loan Options
Each of the following loans is designed for airline employees at different stages of work history or from a variety of work groups.
New Hire Flight Attendant Loan
Once you complete training and your new career takes off, our new hire flight attendant loan can help cover your expenses.
New Hire Mechanic Loan
As you build your new career, let us lend a hand. Our new hire mechanic loan can help you with the cost of tools and other related expenses.
Pilot Loan Refinance
Now that you're in the pilot seat, let us help you refinance the cost of your education to lower your payment and save you money.
Airplane Loan
For our members who were born to fly, we offer competitive rates and flexible loan terms to help you get in the cockpit of an aircraft of your own.
Photo credit: Emily Scott
Hangar Home Loan
If you've ever dreamed of parking your plane at home, our Hangar Home Loan* is perfect for you.
*To receive final loan approval, an appraisal must be ordered and appraisal comps must be within scope of approval. If an appraisal is ordered and the loan is declined, the $475 processing fee is non-refundable.
Apply now.
Enter Our $90,000 Sweepstakes
Need another reason to join? To celebrate our 90th Anniversary, nine lucky members will have the chance to win $10,000 each! Here’s how to enter:
- Become a member.
- Register for our 90th Anniversary Sweepstakes.
- Use your American Airlines Credit Union debit or credit card to automatically be entered. Each time you use your card, you get one entry.
YOUR $25 NEW MEMBER SIGN-UP BONUS**
When you become a member, we'll deposit $25 directly into your account within the first week. Plus, when you refer your friends and family, you'll receive an additional $25 per person who joins!¹
BECOME A MEMBER
* All active or retired employees of the air transportation industry and their family members are eligible for membership in the Credit Union. This includes:
- Employees or retirees of American Airlines Group – which consists of American Airlines, Envoy, Piedmont and PSA Airlines
- Employees or retirees of the Air Transportation Industry, including employees who work directly in administration, regulation or security for airports, airlines or air transportation – such as TSA, FAA and others; and employees with a direct relationship with airlines or airports
- Students, trainees, and flight instructors in FAA certification programs to support commercial aviation in the Air Transportation Industry
- Volunteers in the Air Transportation Industry
- Family or household members of a current Credit Union member – which includes spouse, children, parents, siblings, grandparents, grandchildren and permanent household members with the same physical address
Contact the Credit Union for more details.
** New member bonus is good for new memberships opened between 05/19/2026 and 12/31/2026 with promo code AA7767. New member account will have $26.00 ($25.00 new-member bonus, plus, the one-time $1.00 membership fee) deposited within seven (7) days of the new account being opened. A total of $5.00 will remain pledged in member’s primary savings account as a required minimum daily balance. There's no minimum balance required to obtain the bonus. Fees could reduce earnings on the account. 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. Each bonus is nontransferable, and will be forfeited if account is closed prior to bonus award date. See our Rate and Fee Schedule for more information.
¹ Referring member will receive $25.00 for each referral that results in a new membership account being opened, with a maximum of ten (10) referrals per calendar year. New member account must be opened between 01/01/2026 and 12/31/2026. Member opening the account must be a new member of the Credit Union. Funds will be deposited in referring member’s account within 60 days of the new membership that is opened. Only one referral will be awarded per new membership. Any bonuses or monies received in association with this promotion are subject to IRS reporting requirements. Recipients are responsible for income tax liability, if applicable. Referring member must be in good standing to be eligible for referral offer. American Airlines Credit Union employees, immediate family and/or permanent household members, business accounts and Credit Union Coordinators are not eligible for this promotion. Void where prohibited by law. New membership applicants must enter the Refer-A-Friend Code ‘REFER25’ and provide the name and email address of the referring member on their application. See our Eligibility Requirements for more information.
