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Our Rates

Checking

Type APY as high as
Priority 2.27%
Flagship   .50%
Rates subject to change
APY=Annual Percentage Yield
Rates Effective April 01, 2017
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Savings

Type APY as high as
Savings    1.25%
IRA Savings    1.25%
Share Certificates 2.07%
Rates subject to change
APY=Annual Percentage Yield
Rates Effective April 01, 2017
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Auto/Vehicle Loans

Type APR as low as
New Auto 1.49%
Used Auto 1.49%
RV 5.74%
Rates subject to change
APR=Annual Percentage Rate
Rates Effective April 01, 2017
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Apply for your Auto Loan Online

Home Loans

Type APR as low as
15 Year Fixed 3.340%
30 Year Fixed 4.000%
5/1 ARM (30 Year) 3.391%
Rates subject to change
APR=Annual Percentage Rate
Rates Effective April 05, 2017
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Apply for your Home Loan Online

Visa® Credit Cards

Type APR
Platinum 7.75% - 12.99%
Rewards 9.25% - 14.99%
Secured 12.99%
Rates subject to change
APR=Annual Percentage Rate
Rates Effective April 01, 2017
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Apply for your Credit Card Online

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More contact options
P.O. Box 619001 MD 2100, HDQ
DFW Airport, TX 75261-9001
(800) 533-0035
(817) 952-4500 | Outside USA, Canada, Puerto Rico, & U.S. Virgin Islands
ABA / Routing # 311992904

Auto Loans

Three Separate Transactions of Car Buying

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The Three Separate Transactions of Car Buying

It’s easy for buyers to get anxious and confused when negotiating a vehicle purchase. Understanding one, simple fact will help clear the confusion: buying vehicles is not a single transaction; it actually is three.

  • Step One: Negotiate a fair purchase price for the vehicle you want to buy. American Airlines Credit Union's Preferred Dealer Network’s online pricing service provides Manufacturer's Suggested Retail Prices (MSRPs) and invoice pricing for new vehicles. You should always negotiate UP from manufacturer’s invoice prices and not DOWN from MSRPs. Paying no more than three percent over manufacturer invoice is generally considered acceptable. And remember, since you’re an American Airlines Credit Union member-owner Preferred Dealers will show you the invoice price IF you ask for it — it’s a Member Bill of Rights agreed principle. You get a fair price and dealers get a fair profit.

  • Step Two: Negotiate trade-in credit you will get for your old car. The amount of trade-in credit should have no bearing on the purchase price of your new car. They’re completely separate values. Discussing them together could result in your paying more money for your new car than you should and getting less money for your trade-in. Don't mix them! Be sure to read Your Old Car for tips on getting the most value for your trade-in.

  • Step Three: Arrange for financing. The third and final step of the vehicle purchase process can be the most risky. Consumers often pay more for financing than is necessary. The interest rate charged by most lenders is generally based on consumers' credit scores. Consumers with "good" credit histories (no bankruptcies, no charged-off debts, no collection accounts and no late payments) pay lower interest rates than consumers with "bad" credit histories. Be sure to read Financing Your Vehicle before you negotiate financing. Contact any American Airlines Credit Union Loan Officer to get pre-approved before visiting dealerships or apply online. We’ll compare their financing to ours,a nd if their offer is better than ours, we’ll tell you. Our goal is to save you as much money as is possible!


Drive Your Savings Home Apply Online or speak with a Phone Loan representative at 800 533 0035 extension 36222. Apply Now Auto Lending Calculator

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