AA Credit Union is a federally insured credit union offering checking, savings, auto loans, mortgages, and credit cards to members. Headquartered with a 90-year history, it serves individuals and businesses.
Editorially reviewed by Harvey Brooks
AA Credit Union, officially American Airlines Federal Credit Union based on the website content, is a long-established credit union celebrating its 90th anniversary. The institution operates as a member-owned cooperative financial institution with ABA/Routing Number 311992904, providing traditional banking and lending services to a membership base.
The credit union offers a comprehensive suite of consumer and business banking products. On the deposit side, members can access checking accounts (Priority Checking at 0.40% APY, Flagship Checking at 0.25% APY), savings accounts (up to 1.87% APY), and certificate products including short-term share certificates (4.05% APY), standard share certificates (4.00% APY), and ladder certificates (4.07% APY). For borrowing, AA Credit Union provides auto loans (as low as 3.74% APR for new autos up to 36 months), RV financing (6.99% APR), boat/airplane loans (6.74% APR), home loans (15-year fixed at 5.702% APR, 30-year fixed at 5.821% APR), and HELOCs (5/10 fixed at 7.250% APR). Credit card options include Signature Cash Back (14.25%-16.25% APR), Platinum Rewards (12.00%-17.74% APR), Platinum Low Rate (10.50%-18.00% APR), and Platinum Secured cards (15.74% APR). Business members can access business checking, business savings, and business credit cards.
AA Credit Union distinguishes itself through its credit union structure, offering member ownership benefits, a physical branch and ATM network, established history dating back decades, and competitive rates on auto loans (currently featuring a 90th anniversary promotion offering up to 0.90% APR discount). The institution maintains active fraud prevention awareness, warning members about spoofing scams and emphasizing security practices for online banking.
As a traditional credit union, AA Credit Union serves members seeking full-service banking with physical locations and member-owned governance. However, the website provides limited detail on membership eligibility criteria, fee structures, and specific business services. Deposit rates, while competitive, are in line with current market rates rather than exceptionally high. The credit union's online presence is functional but relatively basic compared to some digital-first financial institutions.
Yes. AA Credit Union is a registered company headquartered in Miami International Airport, 2100 NW 20th St, Miami, FL 33126. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
AA Credit Union is best for individuals and small business owners seeking traditional full-service banking with competitive auto loan rates, mortgage options, and member-owned governance. The main caveat is that checking savings rates are minimal, credit card APRs are at the higher end of the market, and the institution lacks transparency about membership requirements and detailed fee structures on its public website.
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