Back to American Airlines Credit Union Homepage

Consumer Advisory And Research Service (CAARS)

The CAARS Promise

Financing your vehicle at American Airlines Federal Credit Union (AA Credit Union) is different from any other financial institution or auto dealership: We get stronger financially when you get stronger financially - especially when you save money and buy responsibly.

That's why our goal is to help you buy wisely and save money, not simply to provide you with a loan. And that's why we make this promise: We'll send you to another financial institution if they will give you a better deal on your loan. Do you know any dealership, financial institution, or internet buying service that will do that?

Our Consumer Advisory And Research Service (CAARS) program educates you on all phases of a vehicle purchase by providing you with "an oasis" from the pressure and confusion that is often associated with the car buying process.

We fulfill the CAARS promise because our goals are different than the other players in the auto industry. A dealer, or their finance sources, has two objectives: 1) to sell you their product or service, and 2) to sell it to you at the maximum price you will pay.

Our job, on the other hand, is to make sure you buy what's best for you and to make sure you pay the least for it. If you qualify for the lowest rate, you get it. If you want, Guaranteed Asset Protection (GAP), credit life or disability insurance, you pay what everybody else pays.

Since we're member owned, our primary interest is your financial well-being. When you prosper financially, we prosper. You save money with us, use our products and services, and generally contribute to our ability to continue to serve its member-owners with new and improved products and services. And, since we are not-for-profit, we're all for you!

We've have always played a leadership role in the development of education programs for our members. That's why in 1990, we created the CAARS program, designed to help you make smart decisions about purchasing a vehicle - new or used. From research to financing, if you rely on the resources available through our CAARS program, you can save both time and money - lots of money!


Members Auto and Homeowners Insurance is underwritten by leading insurance companies, including Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA. Insurance coverage and discounts may vary by state. Group discounts are not available in all states. To the extent permitted by law, applicants are individually underwritten, some applicants may not qualify. A consumer report from a consumer reporting agency and/or motor vehicle will be obtained on all drivers listed on your policy where state regulations allow. The insurance offered is not a deposit and is not insured by the NCUSIF or guaranteed by your credit union.

Back to Top

Cover of vehicle buying roadmap

Your Vehicle Buying Road Map

Download PDF (4MB)

Links to PDF files require Adobe Acrobat Reader

WebLoan24 Apply Now

APR* as low as 4.99% for an auto loan. Also, check out our great rates for other vehicles.

*APR=Annual Percentage Rate