Dedicated to Deposits: Deals, Data, and Discussion
American Airlines Credit Union1.96%$10k-60 Month Regular Share Certificate
American Airlines Credit Union1.66%$10k-48 Month Regular Share Certificate
American Airlines Credit Union1.36%$10k-36 Month Regular Share Certificate
American Airlines Credit Union1.26%$10k-30 Month Regular Share Certificate
American Airlines Credit Union1.15%$10k-24 Month Regular Share Certificate
American Airlines Credit Union0.65%$10k-12 Month Regular Share Certificate
Accounts mentioned in this post. Rates as of August 20, 2014

Top CD Ladder Rates at American Airlines Credit Union - Limited Membership


American Airlines Credit Union

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 rates as listed at the credit union's rate sheet as of 6/7/2011 include:

  • 3.55% APY 5-year CD
  • 3.09% APY 4-year CD
  • 2.52% APY 3-year CD
  • 2.32% APY 2.5-year CD
  • 2.02% APY 2-year CD
  • 1.51% APY 1-year CD

These rates require that you meet the CD ladder requirements. One requirement is that you open the short and long-term CDs with equal amounts. There are three ladder options:

  1. 5-year & 2.5-year CDs
  2. 3-year, 2-year and 1-year CDs
  3. 5-year, 4-year, 3-year, 2-year and 1-year CDs

The other requirement is that you let the short-term CDs renew into the longest term CD of the ladder. If you elect not to renew any CD within your ladder the remaining CDs will not be eligible for the ladder rates at maturity.

If you don't want the credit union's CD ladder, they also have competitive standard CD and IRA CD rates. The best rates include a 2.88% APY for 5 years, 2.42% APY for 4 years and 1.96% APY for 3 years. Minimum deposit is $10,000. These rates are listed in the credit union's rates sheet as of 6/7/2011.

Limited Membership

Unlike the other major credit unions that started as a service for airline workers (Wings Financial and Alliant), American Airlines Credit Union hasn't expanded its field of membership to include any easy-to-join associations or any community areas. Their membership continues to be open only to those working in the air transportation industry. Please refer to the credit union's eligibility page for the full details.

Branch Locations

As you expect from a major airlines credit union, American Airlines Credit Union branches are located in airports of many cities around the country.

Credit Union Overview

With $5.32 billion in assets, it's one of the largest credit unions in the nation. It has an overall health score at of 5 stars (out of 5) with a Texas Ratio of 5.55% (excellent) based on March 2011 data. Please refer to our financial overview of American Airlines Credit Union for more details. The credit union is federally insured by the NCUA (Charter # 23957).

Searching for the Best CD Rates

To search for the best nationwide CD rates and the best CD rates in your state, please refer to the CD rates section of

  Tags: American Airlines Credit Union, CD rates

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