Mobile & Online Banking Services

Whether you’re accessing your accounts on the go with your laptop, smartphone, tablet or desktop computer at home, our digital banking experience provides you with on-the-go convenient services.

Mobile Apps

Our mobile banking experience has the same look and feel regardless of which device you use to access it.

Our apps allow you to:

  • Log in with Touch ID, Fingerprint or Face ID (depending on your smartphone)
  • Make mobile deposits¹
  • Check balances, history, transfer funds and send money to non-members
  • Access bill pay services
  • Locate the nearest ATM or branch
  • Use our personal financial management tool

Manage My Cards allows you to:

  • Set up travel notifications
  • Temporarily turn cards on and off when misplaced
  • Report a card lost or stolen
  • Request a credit limit increase

Digital Wallet

Add your Credit Union debit and credit cards to your enabled device to make secure payments and simplify your checkout experience with a variety of digital payment options.

SHOP SECURELY ON-LINE

Click to pay with your American Airlines Credit Union Visa debit and credit cards when you see this icon  while shopping on-line.

Financial Management Tools

Our budget and finance features allow our members to track their spending with a fully interactive, real-time updating dashboard that loads existing Credit Union accounts while allowing the addition of accounts from other financial institutions. Within your online banking account you have access to two tools that help you keep your finances on track.

Select “Financial Wellness” to get started.

  • Plan & Budget allows you to track spending with a fully interactive, real-time updating dashboard that loads Credit Union accounts along with addition of accounts from other financial institutions. Choose “Plan & Budget.”
  • Credit Score Monitoring provides free access to your credit report and access to your credit score along with daily monitoring. Choose “Credit Score Monitoring.”

Move Money With Ease

We offer a number of ways to transfer funds and move your money depending on your banking needs.²

  • Transfer Funds – Move money between your Credit Union accounts and deposit money to other Credit Union members anytime.
  • Send Money – Transfer money from your Credit Union account to pay anyone (babysitter, lawn service, etc.)
  • Pay Bills – Set up one-time or recurring payments for bills such as electric, water or other utilities.
  • Pay Cards & Loans – Make real-time payments to any Credit Union loan, including credit cards, vehicles and mortgages.
  • External Transfers – Easily move money between your accounts at other institutions and the Credit Union.
  • Wires - Securely send us domestic and foreign wire instructions for processing.

My Toolkit

Previously known as Marketplace, My Toolkit is a one-stop shop for financial apps. You can select from a set of third-party apps to help you run your business, pay down loans fast, create legal documents, and much more – all in one convenient location.

Please note: Fees and qualifications vary by app.

Apps include:

  1. Autobooks Small business owners can simplify their books, manage cash flow and access the necessary reports.
  2. Changed Borrowers can pay down debt with spare change to save time and money and reach their goals sooner.
  3. OneDigitalTrust Users of this estate- and inheritance-planning platform can create legal documents, including wills, living trusts, healthcare and financial powers of attorney and others.
  4. Trustworthy® Successful modern families can collaborate with loved ones and advisors to protect and organize their most important information. Secure items like family IDs, money, property, passwords, insurance, tax records, estate documents, contacts, and more – all in one place.

To register: Use a browser to log into online banking and select “My Toolkit” to get started. Your My Toolkit apps can be managed through the Credit Union app after completing registration on a browser.

American Airlines Credit Union does not assume any responsibility or liability for any purchases or promotions made by a third party

Mobile Apps

Our mobile banking experience has the same look and feel regardless of which device you use to access it.

Our apps allow you to:

  • Log in with Touch ID, Fingerprint or Face ID (depending on your smartphone)
  • Make mobile deposits¹
  • Check balances, history, transfer funds and send money to non-members
  • Access bill pay services
  • Locate the nearest ATM or branch
  • Use our personal financial management tool

Manage My Cards allows you to:

  • Set up travel notifications
  • Temporarily turn cards on and off when misplaced
  • Report a card lost or stolen
  • Request a credit limit increase

Digital Wallet

Add your Credit Union debit and credit cards to your enabled device to make secure payments and simplify your checkout experience with a variety of digital payment options.

SHOP SECURELY ON-LINE

Click to pay with your American Airlines Credit Union Visa debit and credit cards when you see this icon  while shopping on-line.

Financial Management Tools

Our budget and finance features allow our members to track their spending with a fully interactive, real-time updating dashboard that loads existing Credit Union accounts while allowing the addition of accounts from other financial institutions. Within your online banking account you have access to two tools that help you keep your finances on track.

Select “Financial Wellness” to get started.

  • Plan & Budget allows you to track spending with a fully interactive, real-time updating dashboard that loads Credit Union accounts along with addition of accounts from other financial institutions. Choose “Plan & Budget.”
  • Credit Score Monitoring provides free access to your credit report and access to your credit score along with daily monitoring. Choose “Credit Score Monitoring.”

Move Money With Ease

We offer a number of ways to transfer funds and move your money depending on your banking needs.²

  • Transfer Funds – Move money between your Credit Union accounts and deposit money to other Credit Union members anytime.
  • Send Money – Transfer money from your Credit Union account to pay anyone (babysitter, lawn service, etc.)
  • Pay Bills – Set up one-time or recurring payments for bills such as electric, water or other utilities.
  • Pay Cards & Loans – Make real-time payments to any Credit Union loan, including credit cards, vehicles and mortgages.
  • External Transfers – Easily move money between your accounts at other institutions and the Credit Union.
  • Wires - Securely send us domestic and foreign wire instructions for processing.

My Toolkit

Previously known as Marketplace, My Toolkit is a one-stop shop for financial apps. You can select from a set of third-party apps to help you run your business, pay down loans fast, create legal documents, and much more – all in one convenient location.

Please note: Fees and qualifications vary by app.

Apps include:

  1. Autobooks Small business owners can simplify their books, manage cash flow and access the necessary reports.
  2. Changed Borrowers can pay down debt with spare change to save time and money and reach their goals sooner.
  3. OneDigitalTrust Users of this estate- and inheritance-planning platform can create legal documents, including wills, living trusts, healthcare and financial powers of attorney and others.
  4. Trustworthy® Successful modern families can collaborate with loved ones and advisors to protect and organize their most important information. Secure items like family IDs, money, property, passwords, insurance, tax records, estate documents, contacts, and more – all in one place.

To register: Use a browser to log into online banking and select “My Toolkit” to get started. Your My Toolkit apps can be managed through the Credit Union app after completing registration on a browser.

American Airlines Credit Union does not assume any responsibility or liability for any purchases or promotions made by a third party

Digital Account Access

GET THE APPS

Our mobile apps offer a number of convenient services, including mobile check deposit, bill pay, credit score monitoring, personal financial management tools and more!

Download from the Apple Store

Download from Google Play

  • Apple Watch– To turn on, simply log into our mobile app and select “Apple Watch” under “Settings” in the left-hand menu.

Message and data rates may apply. Check with your mobile provider.

Members will need to be enrolled in online banking in order to use the apps.

Enroll in Online Banking

“Whether it be mortgages, car loans, extended warranty, checking/savings accounts – everything, I can trust that the Credit Union will be the right and best choice,” Pramod said. “And the online portal and app make it really easy to manage finances for me and my family.”

Pramod, member since 2001

Read More Member Stories

Our Rates^

  • APY as high as

    2.12%

    Savings

    Share/IRA Accounts

  • APY as high as

    4.65%

    Short-Term Share Certificate

    Share Certificate

  • APY as high as

    4.45%

    Share Certificate

    Share/IRA Certificates

  • APY as high as

    4.07%

    Ladder Certificates

    Share/IRA Certificates

  • APY as high as

    0.40%

    Priority Checking

    Checking Accounts

  • APY as high as

    0.25%

    Flagship Checking

    Checking Accounts

^Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective December 1, 2024.

Our Rates^

  • APR as low as

    4.24%

    New Auto

    Up to 36 Months

  • APR as low as

    4.49%

    Used Auto

    Up to 36 Months

  • APR as low as

    4.99%

    New Auto

    Up to 60 months

  • APR as low as

    5.24%

    Used Auto

    Up to 60 months

  • APR as low as

    6.74%

    RV

    Vehicle Loans

  • APR as low as

    6.49%

    Boat/Airplane

    Vehicle Loans

^Auto & Recreational Loans

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective December 20, 2024.

Our Rates^

  • APR as low as

    5.956%

    15-Year Fixed

    Home Loans

  • APR as low as

    6.456%

    30-Year Fixed

    Home Loans

  • APR as low as

    6.781%

    5/1 Arm (30-Year)

    Home Loans

  • APR as low as

    7.125%

    5/10 Fixed

    Owner Occupied HELOC

^Home Loan Rates and Information and HELOC Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective December 13, 2024.  View Full Disclosures.

Our Rates^

  • APR

    15.50% - 17.50%

    Signature Cash Back

    Credit Cards

  • APR

    13.25% - 18.00%

    Platinum Rewards

    Credit Cards

  • APR

    11.75% - 18.00%

    Platinum Low Rate

    Credit Cards

  • APR

    16.99%

    Platinum Secured

    Credit Cards

^Credit Card Rates and Fees

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2024.

Our Rates^

  • APY as high as

    0.15%

    Business Checking

    Checking Accounts

  • APY as high as

    0.40%

    Business Savings Account

    (Share) Savings Accounts

^Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective December 1, 2024.

Our Rates^

  • APR

    13.49% - 18.00%

    Platinum

    Credit Cards

^Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2024.

Our Rates^

APY as high as

2.12%

Savings

Share/IRA Accounts

APY as high as

4.65%

Short-Term Share Certificate

Share Certificate

APY as high as

4.45%

Share Certificate

Share/IRA Certificates

APY as high as

4.07%

Ladder Certificates

Share/IRA Certificates

APY as high as

0.40%

Priority Checking

Checking Accounts

APY as high as

0.25%

Flagship Checking

Checking Accounts

^Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective December 1, 2024.

APR as low as

4.24%

New Auto

Up to 36 Months

APR as low as

4.49%

Used Auto

Up to 36 Months

APR as low as

4.99%

New Auto

Up to 60 months

APR as low as

5.24%

Used Auto

Up to 60 months

APR as low as

6.74%

RV

Vehicle Loans

APR as low as

6.49%

Boat/Airplane

Vehicle Loans

^Auto & Recreational Loans

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective December 20, 2024.

APR as low as

5.956%

15-Year Fixed

Home Loans

APR as low as

6.456%

30-Year Fixed

Home Loans

APR as low as

6.781%

5/1 Arm (30-Year)

Home Loans

APR as low as

7.125%

5/10 Fixed

Owner Occupied HELOC

^Home Loan Rates and Information and HELOC Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective December 13, 2024.  View Full Disclosures.

APR

15.50% - 17.50%

Signature Cash Back

Credit Cards

APR

13.25% - 18.00%

Platinum Rewards

Credit Cards

APR

11.75% - 18.00%

Platinum Low Rate

Credit Cards

APR

16.99%

Platinum Secured

Credit Cards

^Credit Card Rates and Fees

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2024.

APY as high as

0.15%

Business Checking

Checking Accounts

APY as high as

0.40%

Business Savings Account

(Share) Savings Accounts

^Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective December 1, 2024.

APR

13.49% - 18.00%

Platinum

Credit Cards

^Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2024.

Tools & Resources

We also provide additional tools and resources to help you manage your finances and learn as you go.

Auto Buying Research Network

To research and choose your vehicle, look up the value of any trade-ins or find a dealer near you:

Visit our Auto Buying Research Network

Members on the Move

Work with a personal program coordinator throughout your home-selling or buying experience. It's a complimentary Credit Union service.

Visit Members on the Move

Financial Calculators

In today's economy it's more important than ever to make intelligent financial decisions that can positively affect you, and your family's future. Our easy-to-use calculators will help you make the right choices for loan options that fit your budget, and to fully understand the results of your financial decisions.

Access our Calculators

Financial Wellness Program

Our goal is to help your financial wellness take flight by providing you with outstanding tools, resources and coaching. Financial education has always been one of our staples, but our Financial Wellness program allows us to help our members in so many new ways.

Research and Learn More

 Message and data rates may apply. Check with your mobile provider.

¹ Mobile deposit is limited to members in good standing with an American Airlines Credit Union checking account.

² Fees may apply, refer to the Fee Schedule for details.

Apple Pay and Apple Watch are trademarks of Apple Inc.

Samsung Pay is a registered trademark of Samsung Electronics Co. Ltd.

Google Pay and Google Play are registered trademarks of Google LLC.

Visa is a registered trademark of Visa International Service Association.  The EMV® SRC payment icon, consisting of a pentagon design oriented on its side with a stylized depiction of a fast forward symbol on the right, formed by a continuous line, is a trademark owned by and used with permission of EMVCo, LLC.