Credit union · NCUA insured
American Airlines Federal Credit Union Auto Loan Rates
Top CarrotAmerican Airlines Federal Credit Union auto loans start at 4.09% APR for a new vehicle and 4.59% for a used one. Rates checked October 16, 2026.
How American Airlines Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where American Airlines Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
New Auto Loan
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Up to
- —
2nd-lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
- Up to
- —
American Airlines Federal Credit Union auto loan score
92
Auto loan score
Higher than 93% of U.S. banks and credit unions
- New vehicleNew4.09%
- Used vehicleUsed4.59%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where American Airlines Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
First Auto Loan
Designed for first-time borrowers / individuals with little to no credit history. Rates shown include 0.90% discount. Annual 2.00% APR discount rewarded by making automatic payments on time and providing insurance and title requirements. Rates are based on creditworthiness and percentage down.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 9.59% | Includes 0.90% discount. Rates based on creditworthiness and percentage down. |
| 37–60 months | 10.34% | Includes 0.90% discount. Rates based on creditworthiness and percentage down. |
| 61–72 months | 10.84% | Includes 0.90% discount. Rates based on creditworthiness and percentage down. |
Sources (2)
All captured Oct 6, 2026
New Auto Loan
Current or prior year vehicles with fewer than 36,000 miles are considered new. Rates shown include 0.90% discount (0.40% 90th Anniversary Discount, 0.25% Direct Deposit Discount, and 0.25% Loan Loyalty or Welcome Aboard Discount). Rates are based on creditworthiness and percentage down.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.34%–12.74% | Includes up to 0.90% discount. Rates based on creditworthiness and percentage down. |
| 37–60 months | 4.09%–13.14% | Includes up to 0.90% discount. Rates based on creditworthiness and percentage down. |
| 61–72 months | 4.34%–14.54% | $15,000 minimum loan amount. Includes up to 0.90% discount. Rates based on creditworthiness and percentage down. |
| 73–84 months | 5.19%–13.64% | $30,000 minimum loan amount. Includes up to 0.90% discount. Rates based on creditworthiness and percentage down. |
| 85–96 months | 5.49%–7.44% | $75,000 minimum loan amount. Includes up to 0.90% discount. Rates based on creditworthiness and percentage down. |
| 97–120 months | 6.19%–7.94% | $100,000 minimum loan amount. Includes up to 0.90% discount. Rates based on creditworthiness and percentage down. |
Sources (2)
All captured Oct 6, 2026
Used Auto Loan
Vehicles older than prior year or with more than 36,000 miles are considered used. Rates shown include 0.90% discount (0.40% 90th Anniversary Discount, 0.25% Direct Deposit Discount, and 0.25% Loan Loyalty or Welcome Aboard Discount). Rates are based on creditworthiness and percentage down.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.84%–14.64% | Includes up to 0.90% discount. Rates based on creditworthiness and percentage down. |
| 37–60 months | 4.59%–15.04% | Includes up to 0.90% discount. Rates based on creditworthiness and percentage down. |
| 61–72 months | 4.84%–16.15% | $15,000 minimum loan amount. Includes up to 0.90% discount. Rates based on creditworthiness and percentage down. |
| 73–84 months | 5.69%–14.95% | $30,000 minimum loan amount. Includes up to 0.90% discount. Rates based on creditworthiness and percentage down. |
| 85–96 months | 6.09%–8.19% | $75,000 minimum loan amount. Includes up to 0.90% discount. Rates based on creditworthiness and percentage down. |
| 97–120 months | 6.79%–8.69% | $100,000 minimum loan amount. Includes up to 0.90% discount. Rates based on creditworthiness and percentage down. |
Sources (2)
All captured Oct 6, 2026
Who can join American Airlines Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees or retirees of American Airlines Group (consisting of American Airlines, Envoy, Piedmont and PSA Airlines) are eligible for membership.
- Active or retired employees who work directly in the air transportation industry (such as airline employees) are eligible for membership, subject to specified industry exclusions.
- Employees of companies that have a strong dependency relationship with airlines or airports who work directly with specified air transportation support services are eligible for membership.
- Volunteers in the air transportation industry are eligible for membership.
Military, government and schools
- Employees or retirees who work directly in administration, regulation, or security of airlines, airports, or air transportation (such as TSA, FAA, and other aviation regulation or security agencies) are eligible for membership.
- Students, trainees, and flight instructors in FAA certification programs to support commercial aviation in the Air Transportation Industry are eligible for membership.
1 more way to join
Family and household
- Immediate family members (spouse, children, parents, siblings, grandparents, grandchildren) and household members sharing the same physical address can be sponsored for membership by a Credit Union member.
Cost to join
- Opening membership requires a $5 share deposit in a savings account.
- Opening membership requires a one-time membership fee of $1.
Membership information collected October 5, 2026.