American Airlines Credit Union


Overview / Commentary
817-952-4100
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. DepositAccounts.com 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

Membership in American Airlines Credit Union is open to employees and retirees of American Airlines, Inc., American Eagle Airlines or anyone working in the Air Transportation Industry in the United States.
See current membership details

Great credit union

I worked for American Airlines for 10 years. During that time and after, I have my banking with their credit union, the AACU or American Airlines Credit Union. I think the credit union is fantastic. They have several banking options and the savings rates always beat out other banks. I was able to buy a car with them at a great price because they worked directly with car dealerships in the area. They even have a Christmas savings plan, where you pull out some money for you check every month, and you couldn't take it out until November. There were no additional fees for that. Really helped people pay for Christmas. The Branches were all over the airport, but they also have branches in different locations for family who didn't have daily access to the airport. Overall in had no complaints about this Credit Union and think they do a great job.

Review of American Airlines Credit Union

Posted by: |

The AA Credit Union web site is an exceptional site. Many of the products are available online. You can transfer funds from savings/checking/variable line of credit with ease. You can pay car/house loans and credit cards with ease. Great set of calculators. I also like the style of the web site.

A Rollercoaster

Posted by: |

I left TD Bank after they had repeatedly messed up my accounts and went directly to American Airlines Credit Union, a bank that had just opened up in my then-place of work, the airport. At the beginning, everything ran swimmingly. They were extremely helpful in setting the accounts (checking and savings) and explaining all the terms and conditions that came with it. Also, their online banking services are top notch in comparison to TD Bank, where I can easily manage credit card payments and utilities all from the same place. For the past couple of years, I've noticed a major lapse in their customer service. Just today, they deactivated my card without notification, and I spent over an hour with them trying to get it turned back on. It involved an online chat and multiple phone calls. At various points in time, AACU has been both an absolute delight to work them as well as a total nightmare. I still wouldn't go back to TD Bank, but AACU's services has gone somewhat downhill since I've joined. I really hope they manage to go back to a more welcoming and easy environment.

Abysmal Communication And Service

Posted by: |

I bank somewhere else that has better fees/rates but opened an account when I was hired anyway. I was thinking it might be nice to use the financial planning advice and maybe compare their loans/credit cards once I got my finances more in order. Well, after two years I'm finally there. Went to check on the account and start the process only to find the account was closed September 2019. I happened to move once in June and again in December, setting up USPS mail forwarding both times. I used their chat app to confirm that the account had been closed and ask why I didn't receive any notice. Apparently they do not send emails, only letters, although they had the correct email on file. I'm not surprised their letters got lost in the mail, but I am disappointed they did not make the effort to email or call before closing the account. The customer service during the chat was just horrible. I will not be opening a new account. It's a small thing but whenever I said thank you she said "no problem" instead of you're welcome. And when I asked if all my accounts were closed, she just said "sure." I think I made the right choice just sticking with my usual banks. Just because my accounts are now closed doesn't mean you should be flippant. And if their chat help is outsourced all the more reason to go with my usual bank. It's also really telling that they don't even try to have you take a survey at the end of your chat, like every other customer assistance chat I've ever used. They clearly don't care if the service is great or what.

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Health

Health Grade Components

Overall
NCUA #23957
Year Chartered1982
Employees691
Primary Regulator
Profit Margin
Return on Assets - YTD0.37%
Return on Equity - YTD4.02%
Annual Interest Income$114.8MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$8.44B$7.48B
LoansQ2 2020vs Q2 2019$4.69B$4.59B
DepositsQ2 2020vs Q2 2019$7.62B$6.68B
Equity CapitalQ2 2020vs Q2 2019$763.4MM$726.5MM
Loan Loss AllowanceQ2 2020vs Q2 2019$32.3MM$27.5MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$15.3MM$18.3MM
Real Estate OwnedQ2 2020vs Q2 2019$227.00K$188.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

American Airlines Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$25k*-Business Savings
OTHER TIERS: 0.05% $25 - $10k | 0.15% $10k - $25k
0.50%$5-Primary Savings
0.50%--Secondary Savings
0.50%--IRA Savings
0.50%--Emergency Fund Savings

American Airlines Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%-$5kPriority Checking
0.40%$750-Flagship Checking
0.15%*$3k*-Business Checking
OTHER TIERS: 0.05% $25 - $1k | 0.10% $1k - $3k

American Airlines Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%*$10k*-Share Certificate Ladder: Option 1 (60 Month)
OTHER TIERS: 1.00% $1k - $10k
1.26%*$10k*-Share Certificate Ladder: Option 3 (60 Month)
OTHER TIERS: 1.00% $1k - $10k
1.11%*$10k*-Share Certificate Ladder: Option 3 (48 Month)
OTHER TIERS: 0.90% $1k - $10k
0.85%*$10k*-Share Certificate Ladder: Option 2 (36 Month)
OTHER TIERS: 0.75% $1k - $10k
0.85%*$10k*-Share Certificate Ladder: Option 3 (36 Month)
OTHER TIERS: 0.75% $1k - $10k
0.80%$1k-60 Month Regular Share Certificate
0.80%$25$50k60 Month Dream Plan Share Certificate
0.70%$1k-48 Month Regular Share Certificate
0.70%*$10k*-Share Certificate Ladder: Option 1 (30 Month)
OTHER TIERS: 0.65% $1k - $10k
0.65%$1k-36 Month Regular Share Certificate
0.65%*$10k*-Share Certificate Ladder: Option 2 (24 Month)
OTHER TIERS: 0.60% $1k - $10k
0.65%*$10k*-Share Certificate Ladder: Option 3 (24 Month)
OTHER TIERS: 0.60% $1k - $10k
0.60%$1k-30 Month Regular Share Certificate
0.60%*$10k*-Share Certificate Ladder: Option 2 (12 Month)
OTHER TIERS: 0.55% $1k - $10k
0.60%*$10k*-Share Certificate Ladder: Option 3 (12 Month)
OTHER TIERS: 0.55% $1k - $10k
0.55%$1k-24 Month Regular Share Certificate
0.50%$1k-12 Month Regular Share Certificate

American Airlines Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%*$10k*-IRA Share Certificate Ladder: Option 1 (60 Month)
OTHER TIERS: 1.00% $1k - $10k
1.26%*$10k*-IRA Share Certificate Ladder: Option 3 (60 Month)
OTHER TIERS: 1.00% $1k - $10k
1.11%*$10k*-IRA Share Certificate Ladder: Option 3 (48 Month)
OTHER TIERS: 0.90% $1k - $10k
0.85%*$10k*-IRA Share Certificate Ladder: Option 2 (36 Month)
OTHER TIERS: 0.75% $1k - $10k
0.85%*$10k*-IRA Share Certificate Ladder: Option 3 (36 Month)
OTHER TIERS: 0.75% $1k - $10k
0.80%$1k-60 Month IRA Share Certficate
0.70%$1k-48 Month IRA Share Certficate
0.70%*$10k*-IRA Share Certificate Ladder: Option 1 (30 Month)
OTHER TIERS: 0.65% $1k - $10k
0.65%$1k-36 Month IRA Share Certficate
0.65%*$10k*-IRA Share Certificate Ladder: Option 2 (24 Month)
OTHER TIERS: 0.60% $1k - $10k
0.65%*$10k*-IRA Share Certificate Ladder: Option 3 (24 Month)
OTHER TIERS: 0.60% $1k - $10k
0.60%$1k-30 Month IRA Share Certficate
0.60%*$10k*-IRA Share Certificate Ladder: Option 2 (12 Month)
OTHER TIERS: 0.55% $1k - $10k
0.60%*$10k*-IRA Share Certificate Ladder: Option 3 (12 Month)
OTHER TIERS: 0.55% $1k - $10k
0.55%$1k-24 Month IRA Share Certficate
0.50%$1k-12 Month IRA Share Certficate
Locations

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