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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 February 01, 2017
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Checking Account Switch Kit

Savings

Type APY as high as
Savings    1.00%
IRA Savings    1.00%
Share Certificates 2.07%
Rates subject to change
APY=Annual Percentage Yield
Rates Effective February 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 February 01, 2017
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Apply for your Auto Loan Online

Home Loans

Type APR as low as
15 Year Fixed 3.214%
30 Year Fixed 4.000%
5/1 ARM (30 Year) 3.310%
Rates subject to change
APR=Annual Percentage Rate
Rates Effective January 23, 2017
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Apply for your Home Loan Online

Visa® Credit Cards

Type APR
Platinum 7.50% - 12.74%
Rewards 9.00% - 14.74%
Secured 12.74%
Rates subject to change
APR=Annual Percentage Rate
Rates Effective January 01, 2017
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Apply for your Credit Card Online

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Monday–Saturday, 8am–5pm, CST

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

Bounce Protection

Bounce Protection Plus

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Bounce Protection Plus

To extend our overdraft coverage, we've added a new service for Debit Card and ATM transactions - Bounce Protection Plus. To comply with the Federal Reserve's Regulation E, you must notify us if you want transactions made with your ATM or Debit Card to be eligible for payment through our new Bounce Protection Plus service should you ever find yourself in a situation where your account is inadvertently overdrawn.

Get the benefit of Plus! BOUNCE PROTECTION1
Standard Overdraft Coverage
BOUNCE PROTECTION PLUS2
Enhanced Overdraft Coverage
How you get it Included Opt-in
Fee $25.00 Per Overdraft Item $25.00 Per Overdraft Item
Overdraft type:
Check Approved Approved
ACH Approved Approved
Debit Card Signature Declined Approved
Debit Card Pin Declined Approved
ATM Declined Approved

Opting-in to Bounce Protection Plus takes overdraft protection to a new level. Unlike other financial institutions, with Bounce Protection Plus you'll only pay one cent (1¢) per overdraft2, here's how:

Let's say you're using your ATM or Debit Card at the grocery store and the amount of your purchase exceeds your available balance, your transaction will be declined. However, if you've opted-in to Bounce Protection Plus your transaction will be approved and you'll only pay one cent (1¢) per overdraft:

  • American Airlines Credit Union will charge you only one cent (1¢) per overdraft item provided you either:
    • Correct the overdraft before 8:00 PM (Central Time), or
    • You had a small overdraft that did not take your end-of-day account balance into the negative by more than $10.

With Bounce Protection Plus you don't pay anything unless you use the service and there is no cost to enroll. Opt-in today so you won't be left at the check-out counter!

 

1 Bounce Protection overdraft service is automatically included on all of our Checking accounts except Ascend. Bounce Protection covers overdrafts that may occur when payments are made via check or automated (ACH) payment when not enough funds are available to cover a transaction. American Airlines Credit Union charges a $25 fee per item paid using this service. Checking account must have Direct Deposit to be eligible for this service, the maximum number of overdraft the credit union will honor is 10 per month with a maximum of 24 for the life of the account, once that limit is reached no more overdrafts will be paid. Maximum dollar amount the checking account is allowed to go negative is $500. Once an overdraft has occurred, you are obligated to bring your account to a positive balance within 30 days. We pay overdrafts at our discretion and do not guarantee that we will always pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be returned. For example, we typically do not pay overdraft(s) if your account is not in good standing; which includes any negative balance or past due loans over 30 days, if you are not making regular deposits, or if you have too many overdrafts. See our Rate & Fee Schedule for more information.

2 Bounce Protection Plus allows you to pay only one cent (1¢) per overdraft item provided you either: correct the overdraft before 8:00 PM (CST) or your overdraft did not take your end-of-day account balance into the negative by more than $10, otherwise the overdraft fee of $25 will apply for each overdraft item. Once an overdraft has occurred, you are obligated to bring your account to a positive balance within 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdraft(s) if your account is not in good standing; which includes any negative balance or past due loans over 30 days, if you are not making regular deposits, or if you have too many overdrafts. See our Rate & Fee Schedule for more information.

 

Benefits Beyond Banking. Benefits You Deserve. Learn MoreBounce ProtectionPlus Opt-In

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We’re preparing to bring you a new online banking system. Due to this process, new first time enrollments for online and mobile banking will be temporarily unavailable between June 10 and June 16, 2015.

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