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Our Rates^
-
APY as high as
2.02%
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 October 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 September 18, 2026.
Our Rates^
-
APR as low as
6.337%
15-Year Fixed
Home Loans
-
APR as low as
6.837%
30-Year Fixed
Home Loans
-
APR as low as
6.657%
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 September 22, 2026. View Full Disclosures.
Our Rates^
-
APR
14.50% - 16.50%
Signature Cash Back
Credit Cards
-
APR
12.25% - 17.99%
Platinum Rewards
Credit Cards
-
APR
10.75% - 18.00%
Platinum Low Rate
Credit Cards
-
APR
15.99%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 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 October 1, 2026.
Our Rates^
-
APR
12.49% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2026.
Our Rates^
APY as high as
2.02%
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 October 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 September 18, 2026.
APR as low as
6.337%
15-Year Fixed
Home Loans
APR as low as
6.837%
30-Year Fixed
Home Loans
APR as low as
6.657%
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 September 22, 2026. View Full Disclosures.
APR
14.50% - 16.50%
Signature Cash Back
Credit Cards
APR
12.25% - 17.99%
Platinum Rewards
Credit Cards
APR
10.75% - 18.00%
Platinum Low Rate
Credit Cards
APR
15.99%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 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 October 1, 2026.
APR
12.49% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2026.
Member Benefits
Bonus Dividends
Since we first began offering Bonus Dividends, the Credit Union has returned more than $215 million to our members.
Bonus Dividends are not guaranteed.
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 services designed to make your life easier.
Committed to Your Financial Wellness
Committed to Your Financial Wellness
“The branch staff member took time during their vacation to make sure my loan was handled correctly so I could take possession of my car.”
James W. Jr
Member since 2003
Banking with the Credit Union
We’re committed to providing a wide choice of financial options at favorable prices. And we believe in the timeless values of honesty, integrity, respect and professionalism. You’ll see it in everything we do. We’re here to help you find answers fast, locate the service you need and receive the understanding and expertise to help you get the most out of your Credit Union membership. After all, you really are part of our success.
85,000 ATMS
We're ready to help at 46 branches located throughout the United States. Additionally, you’ll find more than 70,000 domestic ATMs and 15,000 international ATMs in the CO-OPSM and Allpoint® networks, plus, more than 5,000 shared branches that offer easy access for our member-owners.
You’ll find ATMs at many popular retailers like Target, CVS Pharmacy, Walgreens, Costco, Kroger, Safeway, 7-Eleven and other locations nearby.
CO-OP Shared BranchSM and CO-OP ATMSM are marks of CO-OP Financial Services.
Allpoint is a registered trademark of ATM National, LLC. Allpoint is not a mark of American Airlines or American Airlines Federal Credit Union.
ФSurcharge-free withdrawals at selected ATMs only. Look for participating retailers for surcharge-free ATMs.
Find the closest ATM.Mobile Banking
Whether you’re accessing your accounts on the go with your laptop, smartphone¹ or tablet or from a desktop computer at home, our digital banking experience provides you with on-the-go convenient services.
¹ Message and data rates may apply. Check with your mobile provider.
Learn more about our mobile and online servicesOverdraft Options
We offer overdraft options to protect your everyday spending.
Explore overdraft optionsHome Loans
Whether you’re buying your first home or your dream home, we’re here for you to help make it happen with rates competitive with the national average, in-house underwriting and lower closing costs.
Learn more about our home loans* NO PURCHASE NECESSARY TO ENTER AND WIN. ODDS OF WINNING DEPEND ON NUMBER OF ENTRIES RECEIVED. Promotion valid between 10/01/2026 and 12/31/2026, and open to all legal consumer residents of the 50 United States and the District of Columbia who are Credit Union members in good standing and at least 18 years of age, except as set forth in the Official Rules. One (1) prize of one thousand ($1,000) USD will be awarded and deposited in Prize Winner’s primary share account. Promotion subject to Official Rules available at AACreditUnion.org/globalassets/documents/2026-beneficiary-and-contact-information-drawing-official-rules or by sending a self-addressed, stamped envelope postmarked by 12/31/2026, to American Airlines Federal Credit Union, Attn: Marketing Department/2026 Beneficiary and Contact Information Drawing Promotion, MD 2100, P.O. Box 619001, DFW Airport, TX 75261-9001. Void in Puerto Rico, the U.S. Virgin Islands, Guam, U.S. military installations in foreign countries and where prohibited, taxed or restricted by law.
