Member Benefits

Being a Credit Union member has its perks, from our annual bonus dividend* to loyalty discounts and a variety of helpful resources.

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BONUS DIVIDENDS

Our annual Bonus Dividend* 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 $157 million to our members.

Make the most of your membership by taking advantage of multiple discounts** 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

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

If you are a first-time auto or personal loan borrower or you took out a previous fixed-rate loan with us and didn’t qualify for one of our better rates, you might qualify for a rate reduction of 2.00% and a lower monthly payment on your loan. To earn this discount, you must meet the following requirements:

  • Make all of your loan payments on time for 12 months. This will also help your overall credit score.
  • Set up auto-transfer payments from your savings or checking account to ensure you are paying on time.
  • Enroll in free online statements for added security and faster delivery.

Also, make certain you have recorded “American Airlines Federal Credit Union” as lien holder and ensure all title work is processed on vehicle loans. You must also provide documentation of full-coverage insurance with “American Airlines Federal Credit Union” listed as loss payee for auto loans.

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. Certain interest rate minimums apply. Ask a Credit Union representative for details to determine if your loan qualifies for this discount..

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)

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

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

If you are a first-time auto or personal loan borrower or you took out a previous fixed-rate loan with us and didn’t qualify for one of our better rates, you might qualify for a rate reduction of 2.00% and a lower monthly payment on your loan. To earn this discount, you must meet the following requirements:

  • Make all of your loan payments on time for 12 months. This will also help your overall credit score.
  • Set up auto-transfer payments from your savings or checking account to ensure you are paying on time.
  • Enroll in free online statements for added security and faster delivery.

Also, make certain you have recorded “American Airlines Federal Credit Union” as lien holder and ensure all title work is processed on vehicle loans. You must also provide documentation of full-coverage insurance with “American Airlines Federal Credit Union” listed as loss payee for auto loans.

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. Certain interest rate minimums apply. Ask a Credit Union representative for details to determine if your loan qualifies for this discount..

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)

TOOLS & RESOURCES

No matter what you’re looking for, we have an expert or service to help you out.

  • Auto Buying Research Network — an easy-to-use online research tool that will help you locate a dealer, price your vehicle, find a car and more.
  • Members on the Move — if you’re buying or selling a home, we have personal consultants and real estate agents to assist you, along with opportunities to get cash back on sales/purchases.
  • Credit Monitoring — free access to credit report and score along with daily monitoring. Accessed through Mobile & Online Banking services.
  • Informative blog articles — tips and advice from financial experts.
  • Calculators — whether you need to know how much car you can afford or how long it will take you to save for that next big purchase, we have a calculator for you.
  • Educational Seminars — Live, on-site finance and credit-impacting seminars on a multitude of finance-related topics.

“Customer service still reigns supreme at the Credit Union and they make any banking encounter easy.”

Rosemary, member since 1998

Read More Member Stories

* Bonus dividends are not guaranteed.

** 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.