Member Benefits
Being a Credit Union member has its perks, from our annual bonus dividend* to loyalty discounts and a variety of helpful resources.
Apply NowBONUS DIVIDENDS
Our annual Bonus Dividend, while not a guarantee, 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 $193 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
Receive a 2% APR^ discount and a lower monthly payment if you are a first-time auto or personal loan borrower or you don’t qualify for one of our better rates.
To earn this discount, you must meet the following requirements:
- Make all of your loan payments on time for 12 months.
- Set up auto-transfer payments from your share or checking account.
- Sign up for free online statements.
- Record American Airlines Federal Credit Union” as lien holder and ensure all title work is processed on vehicle loans.
- Provide documentation of full-coverage insurance with “American Airlines Federal Credit Union” listed as loss payee for auto loans. (vehicle loans only)
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 until you reach a certain interest rate minimum based on your loan terms.
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
Receive a 2% APR^ discount and a lower monthly payment if you are a first-time auto or personal loan borrower or you don’t qualify for one of our better rates.
To earn this discount, you must meet the following requirements:
- Make all of your loan payments on time for 12 months.
- Set up auto-transfer payments from your share or checking account.
- Sign up for free online statements.
- Record American Airlines Federal Credit Union” as lien holder and ensure all title work is processed on vehicle loans.
- Provide documentation of full-coverage insurance with “American Airlines Federal Credit Union” listed as loss payee for auto loans. (vehicle loans only)
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 until you reach a certain interest rate minimum based on your loan terms.
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 Score Monitoring — free access to credit report and score. 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.
COMPLIMENTARY SERVICES FOR OUR MEMBERS
The Credit Union offers these options for members with documents that require additional verification.
Medallion Signature Guarantee
Requests involving the transfer of securities may require a guaranteed signature. The Securities Transfer Agents Medallion Program (STAMP) allows the Credit Union to guarantee members’ signatures for these transactions.
How do I obtain a Medallion Signature Guarantee?
You’ll need a valid federal or state government-issued photo ID in addition to documents showing ownership and/or legal capacity to sign.
Availability of this service is limited. Contact us at (877) 832-6334 for more information.
NOTARY SERVICES
If you’re in need of notary services, the Credit Union can help. This free service is offered at most of our branches. Please call the branch prior to arrival to verify a qualified staff member is available to assist.
What do I need to bring with me?
For notary services, please bring the document you need notarized along with a valid driver license or other government-issued photo ID. We may not be able to accept certain documents for notarization, such as documents in languages other than English. Contact the branch with any questions.
Medallion Signature Guarantee
Requests involving the transfer of securities may require a guaranteed signature. The Securities Transfer Agents Medallion Program (STAMP) allows the Credit Union to guarantee members’ signatures for these transactions.
How do I obtain a Medallion Signature Guarantee?
You’ll need a valid federal or state government-issued photo ID in addition to documents showing ownership and/or legal capacity to sign.
Availability of this service is limited. Contact us at (877) 832-6334 for more information.
NOTARY SERVICES
If you’re in need of notary services, the Credit Union can help. This free service is offered at most of our branches. Please call the branch prior to arrival to verify a qualified staff member is available to assist.
What do I need to bring with me?
For notary services, please bring the document you need notarized along with a valid driver license or other government-issued photo ID. We may not be able to accept certain documents for notarization, such as documents in languages other than English. Contact the branch with any questions.
“Customer service still reigns supreme at the Credit Union and they make any banking encounter easy.”
Rosemary, member since 1998
* 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.
