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4151 Amon Carter Blvd
Fort Worth, TX 76155

American Airlines Credit Union is a Texas-based credit union originally established to serve the needs of American Airlines employees and has since opened up its membership to any employee in the air transportation industry and their families. The credit union offers personal and small business banking solutions, as well as advice and planning services to help members navigate the financial planning waters.

As far as personal banking goes, AA Credit Union offers deposit and loan products designed to cover the spectrum of savings and spending goals. The credit union features several checking accounts designed for specific groups of people, including a student checking account and an account for consumers with negative account history. The credit union also provides a checklist for consumers looking to transition into an AACU checking account from another institution. A basic savings account and several savings accounts designed for youth are available, including an account designed as an alternative to a child’s trust fund. Share certificates (CDs) are available in term lengths ranging from 12 to 60 months. AA Credit Union also offers prepaid travel cards for convenient access to funds while abroad. Credit cards and various types of loans are also available on the personal banking side. On the business banking side, AA Credit Union offers similar deposit accounts as well as value added services like wire transfers and ACH transfers. has recognized the credit union several times in the past for its personal CD offerings.

American Airlines Credit Union online banking provides highly secure access to members seeking to perform account activities over the Internet. Features of the system include online bill pay, check deposit via scanner, financial management software integration, and funds transfer. Mobile banking apps allow for mobile check deposit via iPhone or Android.

American Airlines CU was chartered and insured by the NCUA in 1982 and is headquartered in Forth Worth, Texas. It serves its members in the airline industry at branches located throughout the country.

Field of Membership Restrictions

AA Credit Union is open to anyone working in the Air Transportation Industry and their families. - See Details

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Reviews (2)

This Is The Worst Bank I Have Ever Been A Member Of

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!

Terrible .... Highly Suggest Do Not Use.

Terrible communication. My bank account was locked, which was locked on a Saturday, basically as soon as you could not contact them. They are not open Sundays, and Monday they are off because of a holiday. There is no email regarding why my account was locked, and 0 contact about how I can now, not log into the website, nor access my bank in any way. Other family has also had hard issues with this bank. Do not use.


Data for Q4 2013

Institution Health


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, 2013 American Airlines Credit Union had $24.97 million in non-current loans and owned real-estate with $608.83 million in equity and loan loss allowances on hand to cover it. This gives American Airlines Credit Union a Texas Ratio of 4.10% 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 decreased slightly from 4.79% as of December 31, 2012 to 4.10% as of December 31, 2013, resulting in a positive change of 14.42%.This indicates that the balance sheet and financial strength for American Airlines Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, American Airlines Credit Union has decreased its total deposits by -$124.45 million, resulting in -2.45% 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 average.



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 $5.57 billion in assets with $608.83 million in equity, resulting in a capitalization level of 10.93%, which is above average.

Institution Statistics

NCUA #23957
Year Chartered1982
Primary Regulator
Assets and Liabilities
Assets$5.57 billion
Loans$2.70 billion
Deposits$4.95 billion
Equity Capital$579.54 million
Loan Loss Allowance$29.29 million
Unbacked Noncurrent Loans$23.15 million
Real Estate Owned$1.83 million
Historic Data - December 2012
Assets$5.68 billion
Equity Capital$566.55 million
Loan Loss Allowance$31.36 million
Unbacked Noncurrent Loans$23.15 million
Real Estate Owned$2.69 million
Profit Margin - Quarterly
Net Interest Margin3.28%
Return on Assets0.38%
Return on Equity3.65%
Interest Income$128.98 million
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American Airlines Credit Union Savings Account Rates

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 Checking Account Rates

2.27%-$5kPriority Checking
0.25%$750-Flagship Checking
0.15%$3k-Business Checking
0.05%--Priority Checking

American Airlines Credit Union CD Rates

2.47%$10k-Share Certificate Ladder Option 1
2.47%$10k-Share Certificate Ladder Option 3
2.07%$10k-Share Certificate Ladder Option 3
1.96%$10k-60 Month Regular Share Certificate
1.92%$1k$50kDream Plan Share Certificate
1.86%$10k-Share Certificate Ladder Option 2
1.86%$10k-Share Certificate Ladder Option 3
1.66%$10k-48 Month Regular Share Certificate
1.46%$10k-Share Certificate Ladder Option 1
1.36%$10k-36 Month Regular Share Certificate
1.26%$10k-30 Month Regular Share Certificate
1.26%$10k-Share Certificate Ladder Option 2
1.26%$10k-Share Certificate Ladder Option 3
1.15%$10k-24 Month Regular Share Certificate
0.85%$10k-Share Certificate Ladder Option 2
0.85%$10k-Share Certificate Ladder Option 3
0.65%$10k-12 Month Regular Share Certificate

American Airlines Credit Union IRA Rates

1.96%$10k-60 Month IRA Share Certficate (Traditional,Roth,CESA)
1.66%$10k-48 Month IRA Share Certficate (Traditional,Roth,CESA)
1.36%$10k-36 Month IRA Share Certficate (Traditional,Roth,CESA)
1.26%$10k-30 Month IRA Share Certficate (Traditional,Roth,CESA)
1.15%$10k-24 Month IRA Share Certficate (Traditional,Roth,CESA)
0.65%$10k-12 Month IRA Share Certficate (Traditional,Roth,CESA)

American Airlines Credit Union has 42 locations. Click to view all American Airlines Credit Union locations.