What are the current interest rates at American Airlines Federal Credit Union?

Current rates for American Airlines Federal Credit Union include: Savings: 0.40%

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American Airlines Federal Credit Union

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American Airlines Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, American Airlines Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 12, 2026

American Airlines Federal Credit Union's savings rates are at 0.40%. American Airlines Federal Credit Union's 15-Year Fixed Home Loans rates are at 6.21%, 5/1 Arm (30-Year) Home Loans rates are at 6.53%, 30-Year Fixed Home Loans rates are at 6.58%. American Airlines Federal Credit Union's Personal Loan Rates are as low as 14.25%. American Airlines Federal Credit Union's Credit Card Rates are at 10.50%. MonitorBankRates evaluates the financial stability of American Airlines Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.50%. Rates last updated and verified on 09/12/2026.

American Airlines Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at American Airlines Federal Credit Union? Share your experience about American Airlines Federal Credit Union by leaving a review below, or read customer reviews before you decide to use American Airlines Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.50%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

American Airlines Federal Credit Union
AAFCU Headquarters

14050 FAA Blvd
Fort Worth, TX 76155

https://www.aacreditunion.org

American Airlines Federal Credit Union Savings Rates

Product	Rate	APY
Savings Share/IRA Accounts	-	1.87%
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Business Savings Account (Share)	-	0.40%
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%

American Airlines Federal Credit Union Checking Rates

Product	Rate	APY
Priority Checking	-	0.40%
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Flagship Checking	-	0.25%
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Business Checking	-	0.15%
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%

American Airlines Federal Credit Union Mortgage Rates

Product	Rate	Points	APR
15-Year Fixed Home Loans	-	-	6.21%
Details Rates are subject to change without notice. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
5/1 Arm (30-Year) Home Loans	-	-	6.53%
Details Rates are subject to change without notice. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
30-Year Fixed Home Loans	-	-	6.58%
Details Rates are subject to change without notice. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%

American Airlines Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity 5/10 Fixed Owner Occupied HELOC	-	-	7.25%
Details Rates are subject to change without notice. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%

American Airlines Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	3.34%	Up to 36 Months
Details Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Used Auto	-	-	3.84%	Up to 36 Months
Details Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
New Auto	-	-	4.09%	Up to 60 months
Details Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Used Auto	-	-	4.59%	Up to 60 months
Details Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Boat/Airplane Vehicle Loans	-	-	5.59%
Details Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
RV Vehicle Loans	-	-	6.34%
Details Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%

American Airlines Federal Credit Union Credit Card Rates

Product	Rate	APR
Platinum Low Rate Credit Cards	-	10.50%
Details APR range: 10.50% - 18.00% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Platinum Rewards Credit Cards	-	12.00%
Details APR range: 12.00% - 17.74% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Platinum Credit Cards	-	12.24%
Details APR range: 12.24% - 18.00% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Signature Cash Back Credit Cards	-	14.25%
Details APR range: 14.25% - 16.25% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Platinum Secured Credit Cards	-	15.74%
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%

American Airlines Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Cash Back Credit Cards	14.25%
Details APR range: 14.25% - 16.25% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%

American Airlines Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Ladder Certificates	-	-	4.07%
Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Share Certificate	-	-	4.00%
Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Short-Term Share Certificate	-	-	4.05%
Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

American Airlines Federal Credit Union’s Texas Ratio stayed near 2.07% in Q2 2023 to 2.50% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$9.4B	2.50%	5.0	A+
December 31, 2025	$9.3B	3.11%	5.0	A+
September 30, 2025	$9.2B	2.51%	5.0	A+
June 30, 2025	$9.3B	2.71%	5.0	A+
March 31, 2025	$9.3B	2.46%	5.0	A+
December 31, 2024	$9.1B	3.18%	5.0	A+
September 30, 2024	$9.0B	3.06%	5.0	A+
June 30, 2024	$8.9B	3.09%	5.0	A+
March 31, 2024	$8.8B	2.43%	5.0	A+
December 31, 2023	$8.6B	2.90%	5.0	A+
September 30, 2023	$8.5B	2.92%	5.0	A+
June 30, 2023	$8.6B	2.07%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for American Airlines Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather American Airlines Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with American Airlines Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name American Airlines Federal Credit Union

Website https://www.aacreditunion.org

Address 14050 FAA Blvd, Fort Worth, TX 76155

Phone 800-533-0035

Fax

President Pedro Fabregas

CEO Gail Enda

Full-Time Employees 737

Part-Time Employees 63

Branch Locations 46

ATM Locations 45

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.50%

Return on Assets (ROA)

0.2054%

Return on Equity (ROE)

1.7878%

Non-Performing Loans Ratio (NPL)

0.52%

Total Assets

9,448,440,753

Total Amount of Shares and Deposits

8,280,235,892

Total Shares and Deposits < 1 Year

7,990,055,720

Total Shares and Deposits 1 3 Years

187,701,049

Total Shares and Deposits > 3 Years

102,479,125

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,027,102,679

Total Uninsured Shares and Deposits > $250K (F+J)

1,027,102,679

Total Insured Shares and Deposits > $250K (item 17 less item K)

7,253,133,213

Total Interest Expense (Sum of items 6 8)

74,507,953

Share Certificates

66,297

Number of Accounts for Share Drafts

187,223

IRA KEOGH Accounts

7,557

Number of Accounts for Regular Shares

404,705

All other shares

7,043

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

838,079,653

Total Liabilities

8,365,463,776

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

American Airlines Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About American Airlines Federal Credit Union

How many branches does American Airlines Federal Credit Union operate?

American Airlines Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join American Airlines Federal Credit Union?

Yes, to access services at American Airlines Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, American Airlines Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, American Airlines Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does American Airlines Federal Credit Union offer online and mobile banking?

Most modern institutions like American Airlines Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.aacreditunion.org.

Current American Airlines Federal Credit Union Rates

Savings0.40%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

American Airlines Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

American Airlines Federal Credit Union Texas Ratio

American Airlines Federal Credit Union Health Trend

American Airlines Federal Credit Union Savings Rates

American Airlines Federal Credit Union Checking Rates

American Airlines Federal Credit Union Mortgage Rates

American Airlines Federal Credit Union Home Equity & HELOC

American Airlines Federal Credit Union Auto Loan Rates

American Airlines Federal Credit Union Credit Card Rates

American Airlines Federal Credit Union Personal Loan Rates

American Airlines Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

American Airlines Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About American Airlines Federal Credit Union

How many branches does American Airlines Federal Credit Union operate?

Is a member application needed to join American Airlines Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does American Airlines Federal Credit Union offer online and mobile banking?

Current American Airlines Federal Credit Union Rates

Compare to Other Credit Unions