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1 star rating based on 1 review.

American Airlines Credit Union

American Airlines Credit Union Locations
4151 Amon Carter Blvd
Fort Worth, TX 76155
(800) 533-0035
www.aacreditunion.org

NCUA


American Airlines Credit Union is headquartered in Fort Worth and is the 2nd largest credit union in the state of Texas. It is also the 11st largest credit union in the nation. It was established in 1982 and as of December of 2012, it had grown to 523 employees and 239,060 members. American Airlines Credit Union has a 4-star health rating.

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See Rates for: Checking | Savings | CD | IRA

American Airlines Credit Union Checking Account Rates

ApyMinMaxProduct
2.27%-$5kPriority Checking
0.25%$750-Flagship Checking
0.15%$3k-Business Checking

American Airlines Credit Union Savings Account Rates

ApyMinMaxProduct
0.50%$25k-Business Savings
0.50%--Primary Savings
0.50%--Secondary Savings
0.25%--IRA Savings
0.25%--Roth IRA Savings
0.25%--CESA Savings

American Airlines Credit Union CD Rates

ApyMinMaxProduct
2.47%$10k-Share Certificate Ladder Option 1
2.47%$10k-Share Certificate Ladder Option 3
1.96%$10k-60 Month Regular Share Certificate
1.91%$1k$50kDream Plan Share Certificate
1.86%$10k-Share Certificate Ladder Option 2
1.66%$10k-48 Month Regular Share Certificate
1.36%$10k-36 Month Regular Share Certificate
1.26%$10k-30 Month Regular Share Certificate
1.16%$10k-24 Month Regular Share Certificate
0.65%$10k-12 Month Regular Share Certificate

American Airlines Credit Union IRA Rates

ApyMinMaxProduct
1.96%$10k-60 Month IRA Share Certficate
1.96%$10k-60 Month Roth IRA Share Certficate
1.96%$10k-60 Month CESA Share Certficate
1.66%$10k-48 Month IRA Share Certficate
1.66%$10k-48 Month Roth IRA Share Certficate
1.66%$10k-48 Month CESA Share Certficate
1.36%$10k-36 Month IRA Share Certficate
1.36%$10k-36 Month Roth IRA Share Certficate
1.36%$10k-36 Month CESA Share Certficate
1.26%$10k-30 Month IRA Share Certficate
1.26%$10k-30 Month Roth IRA Share Certficate
1.26%$10k-30 Month CESA Share Certficate
1.16%$10k-24 Month IRA Share Certficate
1.16%$10k-24 Month Roth IRA Share Certficate
1.16%$10k-24 Month CESA Share Certficate
0.65%$10k-12 Month IRA Share Certficate
0.65%$10k-12 Month Roth IRA Share Certficate
0.65%$10k-12 Month CESA Share Certficate

Rates updated: 5/22/2013

Data for Q4 2012


Institution Statistics


AMERICAN AIRLINES
NCUA #23957
BankRate ReportView
Year Chartered1982
Employees523
Primary Regulator

Assets and Liabilities

Assets$5.68 billion
Loans$2.54 billion
Deposits$5.07 billion
Equity Capital$566.55 million
Loan Loss Allowance$31.36 million
Unbacked Noncurrent Loans$25.97 million
Real Estate Owned$2.69 million

Historic Data - December 2011

Assets$5.91 billion
Equity Capital$531.50 million
Loan Loss Allowance$33.95 million
Unbacked Noncurrent Loans$27.84 million
Real Estate Owned$2.01 million

Profit Margin - Quarterly

Net Interest Margin3.89%
Return on Assets0.44%
Return on Equity4.39%
Interest Income$141.69 million
Non-Interest Income$27.66 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio5
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 American Airlines Credit Union had $28.66 million in non-current loans and owned real-estate with $597.91 million in equity and loan loss allowances on hand to cover it. This gives American Airlines Credit Union a Texas Ratio of 4.79% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for American Airlines Credit Union held steady from 5.28% as of December 31, 2011 to 4.79% as of December 31, 2012, resulting in a positive change of 9.21%.This indicates that the balance sheet and financial strength for American Airlines Credit Union has held steady in recent periods.
Deposit Growth1
In the past year, American Airlines Credit Union has decreased its total deposits by -$271.56 million, resulting in -5.08% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth American Airlines Credit Union has shown is poor.
Capitalization4
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. American Airlines Credit Union has $5.68 billion in assets with $597.91 million in equity, resulting in a capitalization level of 10.53%, which is above average.
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This Is The Worst Bank I Have Ever Been A Member Of
1 stars - Lisanichols - Friday, April 5, 2013 - 1:43 AM

They will take your money and do with what they want with it, without your knowledge or permission. They harass you by denying you access to your account not only by debit but on-line, so you cannot pay your loans or deposit money. They assessed a overdraft fee on me because when I deposited money into my account, they purposefully diverted it and put it into my savings account, so they could collect their fees, even though I had proof that it was supposed to be deposited into my checking. Then charged me a fee for trying to debit money from my checking because it had no money in it because they put it in my savings. When I brought it to their attention, they said "prove it" and I did. They credited some of my so called overdraft fees but not all of the transfer fees they charged me. This bank is the worst. Your money isn't your own at this bank, beware!

5