Overview / Commentary
800-533-0035
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

Related Posts

CD Rates Increase Up To 3.04%; Broadly Defined Eligibility - 4/7/2018

5-step CD LADDER >$10k (regular or IRA) pays as follows: 1 yr: 2.02% / 2yrs: 2.12% / 3yrs: 2.43% / 4yrs: 2.63% / 5yrs: 3.04% APY https://www.aacreditunion.org/pdf/rateandfee-share.pdf AA FCU has finally increased its rates! In addition to indiviidual CDs, they offer an unusual Ladder of CD rates, eg., a 5-step ladder with your funds divided evenly among 5 terms, from one to five years. As one step matures, you can roll it into the latest five year (ladder) rate without opening a new ladder with new money. They also offer a 2-step ladder or a 3-step ladder. Over time, AA's rates have largely been very competitive, top tier. Their primary Savings Account pays 1.51% APY. ELIGIBILITY: Very broad definition of workers in the Air Transportation industry. Not just employees/retirees of American Airlines, USAir, and Envoy, but: -other airlines -employees of TSA, FAA "and others" -freight related to air transportation -employees of many kinds whose work is at or related to the airport and

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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: DMay | Jun 1, 2014

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.

America's Credit Union

Posted by: N8thaniel | Aug 8, 2015

American credit union has been my bank for a long time; we have had a pretty much positive experience. I have worked with this bank for the last 2 years. I have credit cards with them aswell as a checking and savings account. There are very few fees and I never had surprise charges. I don't carry any debt with them so I don't know how they handle that but for most other services they are great. They also have a branch reasonably near my home that offers service, when I need to deposit checks the employees recognized me are friendly and say hello. There staff are quite nice and have some of the best customer service I have seen in any financial institution I have worked with. Their best attribute is their customer support, if you want a bank that will communicate with you ACU is the bank for you.

Hard To Reach, Hard To Use

Posted by: 1337Rolla | Aug 20, 2018

Was with this bank for several years. Customer service is very hard to reach and your issues get completely ignored. Mandatory 3-factor authentication dumped on customers with no notice / opt out. Makes transferring money very difficult. ACH limit of $5K also makes getting your money out take months.

I would not wish this bank on anybody.

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Health

Health Grade Components

Overall
NCUA #23957
Year Chartered1982
Employees661
Primary Regulator
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD7.08%
Annual Interest Income$103.7MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$6.95B$6.54B
LoansQ2 2018vs Q2 2017$4.32B$4.03B
DepositsQ2 2018vs Q2 2017$6.20B$5.84B
Equity CapitalQ2 2018vs Q2 2017$691.0MM$657.7MM
Loan Loss AllowanceQ2 2018vs Q2 2017$25.6MM$25.3MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$14.2MM$16.2MM
Real Estate OwnedQ2 2018vs Q2 2017$0$162.00K
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
1.97%$5-Primary Savings
1.97%--Secondary Savings
1.97%--IRA Savings
1.25%*$25k*-Business Savings
OTHER TIERS: 0.05% $25 - $10k | 0.15% $10k - $25k

American Airlines Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.27%*-$5kPriority Checking
OTHER TIERS: 0.05% $5k+
0.50%$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
3.35%*$10k*-Share Certificate Ladder: Option 1 (60 Month)
OTHER TIERS: 3.30% $1k - $10k
3.35%*$10k*-Share Certificate Ladder: Option 3 (60 Month)
OTHER TIERS: 3.30% $1k - $10k
3.25%*$10k*-60 Month Regular Share Certificate
OTHER TIERS: 3.20% $1k - $10k
3.20%$25$50k60 Month Dream Plan Share Certificate
3.09%*$10k*-Share Certificate Ladder: Option 3 (48 Month)
OTHER TIERS: 3.04% $1k - $10k
2.99%*$10k*-48 Month Regular Share Certificate
OTHER TIERS: 2.94% $1k - $10k
2.89%*$10k*-Share Certificate Ladder: Option 2 (36 Month)
OTHER TIERS: 2.84% $1k - $10k
2.89%*$10k*-Share Certificate Ladder: Option 3 (36 Month)
OTHER TIERS: 2.84% $1k - $10k
2.78%*$10k*-36 Month Regular Share Certificate
OTHER TIERS: 2.73% $1k - $10k
2.68%*$10k*-Share Certificate Ladder: Option 1 (30 Month)
OTHER TIERS: 2.63% $1k - $10k
2.58%*$10k*-30 Month Regular Share Certificate
OTHER TIERS: 2.53% $1k - $10k
2.58%*$10k*-Share Certificate Ladder: Option 2 (24 Month)
OTHER TIERS: 2.53% $1k - $10k
2.58%*$10k*-Share Certificate Ladder: Option 3 (24 Month)
OTHER TIERS: 2.53% $1k - $10k
2.48%*$10k*-24 Month Regular Share Certificate
OTHER TIERS: 2.43% $1k - $10k
2.48%*$10k*-Share Certificate Ladder: Option 2 (12 Month)
OTHER TIERS: 2.43% $1k - $10k
2.48%*$10k*-Share Certificate Ladder: Option 3 (12 Month)
OTHER TIERS: 2.43% $1k - $10k
2.38%*$10k*-12 Month Regular Share Certificate
OTHER TIERS: 2.33% $1k - $10k

American Airlines Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.35%*$10k*-IRA Share Certificate Ladder: Option 1 (60 Month)
OTHER TIERS: 3.30% $1k - $10k
3.35%*$10k*-IRA Share Certificate Ladder: Option 3 (60 Month)
OTHER TIERS: 3.30% $1k - $10k
3.25%*$10k*-60 Month IRA Share Certficate
OTHER TIERS: 3.20% $1k - $10k
3.09%*$10k*-IRA Share Certificate Ladder: Option 3 (48 Month)
OTHER TIERS: 3.04% $1k - $10k
2.99%*$10k*-48 Month IRA Share Certficate
OTHER TIERS: 2.94% $1k - $10k
2.89%*$10k*-IRA Share Certificate Ladder: Option 2 (36 Month)
OTHER TIERS: 2.84% $1k - $10k
2.89%*$10k*-IRA Share Certificate Ladder: Option 3 (36 Month)
OTHER TIERS: 2.84% $1k - $10k
2.78%*$10k*-36 Month IRA Share Certficate
OTHER TIERS: 2.73% $1k - $10k
2.68%*$10k*-IRA Share Certificate Ladder: Option 1 (30 Month)
OTHER TIERS: 2.63% $1k - $10k
2.58%*$10k*-30 Month IRA Share Certficate
OTHER TIERS: 2.53% $1k - $10k
2.58%*$10k*-IRA Share Certificate Ladder: Option 2 (24 Month)
OTHER TIERS: 2.53% $1k - $10k
2.58%*$10k*-IRA Share Certificate Ladder: Option 3 (24 Month)
OTHER TIERS: 2.53% $1k - $10k
2.48%*$10k*-24 Month IRA Share Certficate
OTHER TIERS: 2.43% $1k - $10k
2.48%*$10k*-IRA Share Certificate Ladder: Option 2 (12 Month)
OTHER TIERS: 2.43% $1k - $10k
2.48%*$10k*-IRA Share Certificate Ladder: Option 3 (12 Month)
OTHER TIERS: 2.43% $1k - $10k
2.38%*$10k*-12 Month IRA Share Certficate
OTHER TIERS: 2.33% $1k - $10k
Locations

Availability



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