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Our Rates

Checking

Type APY as high as
Priority 2.27%
Flagship   .50%
Rates subject to change
APY=Annual Percentage Yield
Rates Effective August 01, 2018
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Checking Account Switch Kit

Savings

Type APY as high as
Savings 1.71%
IRA Savings 1.71%
Share Certificates 2.89%
Rates subject to change
APY=Annual Percentage Yield
Rates Effective August 01, 2018
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Auto/Vehicle Loans

Type APR as low as
New Auto 2.00%
Used Auto 2.00%
RV 5.74%
Rates subject to change
APR=Annual Percentage Rate
Rates Effective August 01, 2018
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Apply for your Auto Loan Online

Home Loans

Type APR as low as
15 Year Fixed 3.846%
30 Year Fixed 4.380%
5/1 ARM (30 Year) 4.602%
Rates subject to change
APR=Annual Percentage Rate
Rates Effective August 10, 2018
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Apply for your Home Loan Online

Visa® Credit Cards

Type APR
Platinum 8.75% - 13.99%
Rewards 10.25% - 15.99%
Secured 13.99%
Rates subject to change
APR=Annual Percentage Rate
Rates Effective July 01, 2018
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Apply for your Credit Card Online

Questions?

Monday–Saturday, 8am–5pm, CDT

More contact options
P.O. Box 619001 MD 2100, HDQ
DFW Airport, TX 75261-9001
(800) 533-0035
(817) 952-4500 | Outside USA, Canada, Puerto Rico, & U.S. Virgin Islands
ABA / Routing # 311992904

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Share Certificate Ladder

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Simple Steps to a Better Future!

No more dilemma: maximize your earnings and get the best of both worlds by opening an AA Credit Union Share Certificate Ladder today!

Laddering is simple, customizable and flexible.

The rule is: the longer the term the higher the return. You create your ladder consisting of several share certificates,* each with a different rate and maturity. When a certificate matures, you should reinvest your money — buy a new certificate at the longest term — but you also have the option to pull out your funds if need be.

What is laddering?

Laddering is a simple investment technique that involves dividing your investment across two, three, or more share certificates.* It typically brings you higher dividends than investing in only one share certificate* renewed over time; brings in a steadier stream of income and keeps your money accessible.

How does it work?

Laddering is easy and customizable. You decide how much you want to invest, how many share certificates* you want to invest in and how long you want to invest your money.

 

Ladder 1 Ladder 2 Ladder 3
30-month term 12-month term 12-month term
60-month term 24-month term 24-month term
  36-month term 36-month term
    48-month term
    60-month term
$1,000 minimum per term/rung
*Or IRA Share Certificates
Dividends on savings are paid quarterly

 

Why laddering?

Laddering limits your investment risk and is flexible. Since you’re reinvesting a portion of your money regularly, you’re less likely to suffer from dividend rate fluctuations. It evens out cycles of high and low dividend rates. Plus, you structure your ladder to meet your needs, so you have funds available when you may need them.

 

American Airlines Federal Credit Union is an independent member owned co-operative financial institution. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Secure Smart Savings Savings Calculator

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