Credit union · NCUA insured
American Airlines Federal Credit Union Carrot Score
Top CarrotA $9.4B credit union, the 35th largest of 4,329, headquartered in Fort Worth, TX, with 388,005 members and 46 branches in 13 states.
American Airlines Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 96% of U.S. banks and credit unions
- CDs89
- Savings89
- Auto loans92
- Credit cards81
Each bar is every U.S. bank and credit union, lowest score to highest. Choose a product to see its rates.
Where American Airlines Federal Credit Union ranks
By Carrot score, in each area where it has branches
- #6 of 115Dallas-Fort Worth-Arlington, TX metro15
- #1 of 67Miami-Fort Lauderdale-West Palm Beach, FL metro6
- #10 of 161New York-Newark-Jersey City, NY-NJ metro5
- #3 of 124Chicago-Naperville-Elgin, IL-IN metro4
- #2 of 44Tulsa, OK metro3
- #7 of 141Boston-Cambridge-Newton, MA-NH metro2
And 21 more areas
- #5 of 128Los Angeles-Long Beach-Anaheim, CA metro2
- #4 of 60Phoenix-Mesa-Chandler, AZ metro2
- #3 of 38Charlotte-Concord-Gastonia, NC-SC metro2
- #5 of 118Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro1
- #7 of 105Washington-Arlington-Alexandria, DC-VA-MD-WV metro1
- #2 of 71San Francisco-Oakland-Fremont, CA metro1
- #2 of 44Nashville-Davidson--Murfreesboro--Franklin, TN metro1
- #5 of 32Raleigh-Cary, NC metro1
- #16 of 375Texas15
- #5 of 182Florida6
- #8 of 281Illinois4
- #19 of 267New York4
- #12 of 271California3
- #3 of 100Oklahoma3
- #9 of 89North Carolina3
- #8 of 192Massachusetts2
- #5 of 73Arizona2
- #8 of 310Pennsylvania1
- #7 of 139New Jersey1
- #13 of 131Tennessee1
- #3 of 58District of Columbia1
Scores run from 60 to 99; 90 and up means rates near the best in the country. Top Carrot marks a score of 87 or more, the top quarter of U.S. banks and credit unions. It’s about rates only, not safety, service or who can join.
By product
How each product scores
How its rates compare with every U.S. bank and credit union. Open a product to see them.
CDs
89top 14% nationally
| Term | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| 3-8 months | 4.05% | 90% | 3.50% | 3.82% | 4.05% |
| 9-15 months | 4.00% | 72% | 3.70% | 4.00% | 4.25% |
| 16-30 months | 3.92% | 77% | 3.35% | 3.85% | 4.20% |
| 31-60 months | 3.97% | 86% | 3.05% | 3.65% | 4.07% |
| Qualified | 4.05% | 66% | 3.85% | 4.15% | 4.35% |
Best rates 88.1 · all terms 77.6 → 83.9 → 89
Savings
89top 10% nationally
| Balance | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| $1,000 | 2.02% | 93% | 0.20% | 0.50% | 1.51% |
| $10,000 | 2.02% | 89% | 0.50% | 1.15% | 2.20% |
| $100,000 | 2.02% | 76% | 1.00% | 2.01% | 2.93% |
| Qualified | 2.02% | 87% | 0.60% | 1.31% | 2.43% |
Best rates 87.8 · all balances 86.7 → 87.0 → 89
Auto loans
92top 7% nationally
| Vehicle | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| New vehicle | 4.09% | 94% | 5.00% | 4.74% | 4.25% |
| Used vehicle | 4.59% | 87% | 5.39% | 4.99% | 4.49% |
Best rates 94.0 · all vehicles 90.5 → 92.6 → 92
Credit cards
81top 46% nationally
| Card | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| Purchase APR | 10.50% | 54% | 10.90% | 9.90% | 8.90% |
Best rates 54.4 · all rates 54.4 → 54.4 → 81
Where the score could improve
- Credit cards, Purchase APR9.90%10.50% today, lower than 54% of U.S. institutions. 9.90% would reach the top quarter; 8.90% the top 10%.
- CDs, Qualified4.15%4.05% today, higher than 66% of U.S. institutions. 4.15% would reach the top quarter; 4.35% the top 10%.
- CDs, 9-15 months4.00%4.00% today, higher than 72% of U.S. institutions. 4.00% would reach the top quarter; 4.25% the top 10%.
Scores update as rates change. Institutions can correct a rate we show; payment never changes a score.
Method
How the score works
- Each product gets a standingWe compare its CD, savings, auto loan and credit card rates with every bank and credit union in the U.S. and give each product a standing out of 100. Its best rates count the most. For loans and cards, lower rates rank higher.
- Its two best products set the scoreWe average its two strongest products. Each extra product it publishes adds 1.5 points, so sharing more rates can only help.
- Its rank puts it on the 60–99 scaleWe rank that number against every scored bank and credit union in the country to get a score from 60 to 99. The top quarter earn Top Carrot.
How American Airlines Federal Credit Union got its score
Its products stand at 92.6 for auto loans, 87.0 for savings, 83.9 for CDs and 54.4 for credit cards, out of 100. Its best two, auto loans and savings, average 90.0. Publishing four products adds 3.0, for 93.0. That puts it in the top 4% nationally: a Carrot Score of 94, a Top Carrot.
The fine print: inside each product, its best rates make up 60% of its standing and all its rates the rest. Its best rates are its two best CD terms, its $10,000 and Qualified savings or money market rates, the better of its new and used auto loan rates, and its credit card purchase rate. The Qualified rate is the best $10,000 rate you can get by opening another account or meeting monthly requirements (or the standard rate, if that’s higher). Rates that need monthly activity get half credit for the extra they pay, and rates that need a combined balance count only from that balance. We subtract monthly fees and count an intro rate at what it earns over a full year. Accounts for kids, students, seniors, businesses, IRAs and health savings aren’t scored.