ES
NFL Predictions 
MLB Predictions 
NBA Predictions 
NHL Predictions 
Soccer Predictions 
UTSA is the AAC favorite at +375, a 21.1% break-even, with Memphis at +475 and South Florida at +500 right behind. Only two league games have been played, and South Florida and Florida Atlantic won them.
No AAC team is in the AP Top 25. Tulsa, 3-0 and the only other unbeaten team besides South Florida, is the one with votes, 18 points among the others receiving them.
Your next pick starts here.
Check the board, compare the options, and find the picks you like.
AAC standings after three weeks
| Team | AAC | Overall | Next game |
|---|---|---|---|
| South Florida | 1-0 | 3-0 | Sat 26 Sep, at Bowling Green |
| Tulsa | 0-0 | 3-0 | Sat 26 Sep, at Arkansas |
| Memphis | 0-0 | 3-1 | Idle this week |
| Florida Atlantic | 1-0 | 2-1 | Sat 26 Sep, at UL Monroe |
| UTSA | 0-0 | 2-1 | Sat 26 Sep, home to Colorado State |
| Army | 0-1 | 1-1 | Fri 25 Sep, at Temple |
| Navy | 0-1 | 1-1 | Fri 25 Sep, at UAB |
| East Carolina | 0-0 | 1-2 | Sat 26 Sep, home to North Carolina Central |
| North Texas | 0-0 | 1-2 | Sat 26 Sep, home to Houston Christian |
| Rice | 0-0 | 1-2 | Sat 26 Sep, at Fresno State |
| Temple | 0-0 | 1-2 | Fri 25 Sep, home to Army |
| Tulane | 0-0 | 1-2 | Sat 26 Sep, home to Southern Miss |
| UAB | 0-0 | 1-2 | Fri 25 Sep, home to Navy |
| Charlotte | 0-0 | 0-3 | Sat 26 Sep, home to Louisiana |
The order is ESPN’s, which lists the league as the American Conference. South Florida won 28-24 at Army on 12 September, and Florida Atlantic beat Navy 38-30 in Boca Raton the same night. Those are the two league results so far.
What September has shown
Tulsa beat Oklahoma State 24-10 at home on 5 September. A week later Oklahoma State beat No. 6 Oregon 39-31. Tulsa then won 23-17 at Sam Houston and 42-0 over East Texas A&M, and it is priced at +800, fourth on the board.
The favorite’s one loss came at No. 1 Texas, 30-6 in Austin on 19 September. UTSA had won 45-16 over UT Rio Grande Valley and 31-26 at Texas State before that. Memphis is 3-1, with its loss 38-20 at Boise State, and it has already beaten UNLV on the road and Arkansas State at home.
Tulane won the 2025 title and is 1-2. It lost 17-3 at Duke in the opener and 31-20 at Kansas State on 19 September, and at +1600 it is ninth on the board. Charlotte is 0-3, starting with a 43-41 loss to The Citadel.
AAC championship odds
| Team | DraftKings | Break-even |
|---|---|---|
| UTSA | +375 | 21.1% |
| Memphis | +475 | 17.4% |
| South Florida | +500 | 16.7% |
| Tulsa | +800 | 11.1% |
| Navy | +900 | 10.0% |
| North Texas | +950 | 9.5% |
| Army | +1000 | 9.1% |
| East Carolina | +1500 | 6.2% |
| Tulane | +1600 | 5.9% |
| Florida Atlantic | +1700 | 5.6% |
| Temple | +3000 | 3.2% |
| UAB | +20000 | 0.5% |
| Rice | +20000 | 0.5% |
| Charlotte | +50000 | 0.2% |
These are DraftKings’ 2026 AAC winner prices as listed by ESPN on 24 September 2026. Break-even is 100 divided by the price plus 100: UTSA at +375 has to win the league 21.1% of the time to pay back what it costs. The 14 rates add up to 116.9%, and the 16.9 points over 100 are the book’s margin.
It is a flatter board than the Big Ten’s or the ACC’s. Seven teams are priced at +1000 or shorter, and the favorite’s 21.1% compares with 44.4% for Ohio State in the Big Ten and 70.6% for Miami in the ACC. A futures bet only makes sense when you rate a team’s chance higher than its break-even figure.
Florida Atlantic is the odd one. It is 1-0 in the league, with a win over Navy, and it sits tenth at +1700.
The games that settle it
Only two AAC games are on this week’s slate, both on Friday, with DraftKings lines via ESPN:
| Kickoff (ET) | Game | Spread | Total |
|---|---|---|---|
| Fri 4:00 p.m. | Army at Temple | Army -3 | 47.5 |
| Fri 7:00 p.m. | Navy at UAB | Navy -7 | 51.5 |
Both service academies are 0-1 in the league and on the road. Memphis is idle and the rest of the league plays outside the conference on Saturday, including unbeaten Tulsa as a 7-point underdog at Arkansas of the SEC.
These are among the league games still to come for the top four on the board:
- Thu 1 Oct: North Texas at Tulsa
- Thu 8 Oct: South Florida at UTSA
- Fri 16 Oct: Memphis at Tulane
- Thu 5 Nov: UTSA at Florida Atlantic
- Thu 12 Nov: Memphis at South Florida
- 21 Nov: Memphis at Navy
- 28 Nov: Tulsa at UTSA
UTSA hosts both South Florida and Tulsa, who do not meet each other this season. Memphis does not play UTSA or Tulsa at all.
The championship game
The American Championship Game is on Saturday, 5 December 2026, at 8 p.m. ET. ESPN does not list a venue for it yet, and both places in it are open.
Last season’s game was played at Yulman Stadium in New Orleans on 5 December 2025, where Tulane beat North Texas 34-21. North Texas is 1-2 this season and +950.
Where to go next
Our game-by-game calls, with the side and the number, are on the college football predictions hub. A futures price is one book’s number, and the others can differ, so compare them in our sportsbook reviews before you pay +375 for UTSA or +800 for Tulsa.
Three bigger leagues are on the same board: SEC odds, Big Ten odds and ACC odds. Every college football market, from spreads to conference futures, is explained in our NCAAF betting guide.
