American Airlines Credit Union

American Airlines Credit Union Locations

4151 Amon Carter Blvd
Fort Worth, TX 76155
(800) 533-0035
www.aacreditunion.org

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American Airlines Credit Union is headquartered in Fort Worth and is the 2^nd largest credit union in the state of Texas. It is also the 10^st largest credit union in the nation. It was established in 1982 and as of December of 2011, it had grown to 502 employees and 232,010 members. American Airlines Credit Union has a 5-star health rating.

Top CD Ladder Rates at American Airlines Credit Union - Limited Membership - 6/7/2011

If you're looking to start a CD or IRA CD ladder , there's a good deal at American Airlines Credit Union . It has a CD ladder program with very competitive rates. For a $10,000 minimum deposit, the ra ...

The American Airlines Credit Union Has Some Competitive Rates For Their Ladder Cds For Those Who (Forum) - 2/23/2010

The American Airlines Credit Union has some competitive rates for their Ladder CDs for those who qualify. Membership is open to anyone in the air transport industry. Link to rate sheet: https://www.aacreditunion.org/pdf/rateandfee-fulldoc.pdf

7.00% 12-Month CD at American Airlines Credit Union ($7K Max) - 4/1/2007

American Airlines Credit Union is offering a 777 and 757 share certificate promotion. The 777 special has a 7.00% APY 12-month share certificate. A checking account with direct deposit is required for this special. The 757 special has a 5.50% APY for...

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See Rates for: Checking | Savings | CD | IRA

American Airlines Credit Union Checking Account Rates

Apy	Min	Max	Product
2.27%	-	$5k	Priority Checking
0.25%	$750	-	Flagship Checking
0.15%	$3k	-	Business Checking

American Airlines Credit Union Savings Account Rates

Apy	Min	Max	Product
0.50%	$25k	-	Business Savings
0.50%	-	-	Primary Savings
0.50%	-	-	Secondary Savings
0.50%	-	-	IRA Savings
0.50%	-	-	Roth IRA Savings
0.50%	-	-	CESA Savings

American Airlines Credit Union CD Rates

Apy	Min	Max	Product
2.27%	$10k	-	60 Month CD
1.81%	$10k	-	48 Month CD
1.51%	$10k	-	36 Month CD
1.31%	$10k	-	30 Month CD
1.21%	$10k	-	24 Month CD
0.70%	$10k	-	12 Month CD

American Airlines Credit Union IRA Rates

Apy	Min	Max	Product
2.27%	$10k	-	60 Month IRA
2.27%	$10k	-	60 Month Roth IRA
2.27%	$10k	-	60 Month CESA
1.81%	$10k	-	48 Month IRA
1.81%	$10k	-	48 Month Roth IRA
1.81%	$10k	-	48 Month CESA
1.51%	$10k	-	36 Month IRA
1.51%	$10k	-	36 Month Roth IRA
1.51%	$10k	-	36 Month CESA
1.31%	$10k	-	30 Month IRA
1.31%	$10k	-	30 Month Roth IRA
1.31%	$10k	-	30 Month CESA
1.21%	$10k	-	24 Month IRA
1.21%	$10k	-	24 Month Roth IRA
1.21%	$10k	-	24 Month CESA
0.70%	$10k	-	12 Month IRA
0.70%	$10k	-	12 Month Roth IRA
0.70%	$10k	-	12 Month CESA

Rates updated: 5/20/2012

Data for Q4 2011

Institution Statistics

AMERICAN AIRLINES
NCUA #	23957
BankRate Report	View
Year Chartered	1982
Employees	502
Primary Regulator
Assets and Liabilities
Assets	$5.91 billion
Loans	$2.50 billion
Deposits	$5.34 billion
Equity Capital	$531.50 million
Loan Loss Allowance	$33.95 million
Unbacked Noncurrent Loans	$27.84 million
Real Estate Owned	$2.01 million
Historic Data - December 2010
Assets	$5.19 billion
Equity Capital	$517.90 million
Loan Loss Allowance	$30.79 million
Unbacked Noncurrent Loans	$31.25 million
Real Estate Owned	$2.54 million
Profit Margin - Quarterly
Net Interest Margin	4.18%
Return on Assets	0.25%
Return on Equity	2.81%
Interest Income	$154.61 million
Non-Interest Income	$28.51 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
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, 2011 American Airlines Credit Union had $29.85 million in non-current loans and owned real-estate with $565.45 million in equity and loan loss allowances on hand to cover it. This gives American Airlines Credit Union a Texas Ratio of 5.28% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for American Airlines Credit Union held steady from 6.16% as of December 31, 2010 to 5.28% as of December 31, 2011, resulting in a positive change of 14.26%.This indicates that the balance sheet and financial strength for American Airlines Credit Union has held steady in recent periods.
Deposit Growth
In the past year, American Airlines Credit Union has increased its total deposits by $703.79 million, resulting in 15.17% 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 excellent.
Capitalization
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 $5.91 billion in assets with $565.45 million in equity, resulting in a capitalization level of 9.56%, which is average.