Home Loans

Whether you’re buying your first home or your dream home, we’re here for you.

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Enjoy up to 35,000 Connection Points™

when you finance your mortgage with us.

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Whether you’re buying your first home or your dream home, we’re here for you to help make it happen with rates competitive with the national average, in-house underwriting and lower closing costs. Or perhaps it’s time to refinance your home for a better rate or perhaps a remodel of your home with a Home Equity Line of Credit.  No matter what your needs, we are here to help.

Mortgages

  • Fixed Rate Loans – This "traditional" type of loan maintains its original interest rate throughout the entire life of the loan.
  • Adjustable Rate Loans – This flexible loan features a lower monthly payment fixed for a set number of years and then adjusts after the initial fixed period.
  • Jumbo Loans – If your dream home exceeds the conventional loan limit of $484,350, take advantage of our special pricing.
  • Unique Loans – We offer a number of unique loans, including first-time homebuyer programs, investment and second homes.

Refinancing Options

Depending on your current rate and how long you plan to stay in your home, refinancing your mortgage may lower your monthly payment and even shorten the term of your loan.

  • External Refinances – Do you have a mortgage with another lender? Our refinancing programs may be a better fit.
  • Cash-Out Refinances – Use the equity in your home for home improvements or to consolidate high interest debt.
  • Rate Modifications* – If you currently have an American Airlines Credit Union home loan, we can change your interest rate or loan program for a low fee.

Home Equity Line of Credit (HELOCs)

The equity in your home is a valuable resource, and we want to help you tap into it. Our HELOC loans can be used for many purposes, from home improvements to debt consolidation.

Learn more about Owner Occupied Homes

Learn more about Non-Owner Occupied Homes

Tools and Resources

For additional information, please consult the following resources:

Mortgages

  • Fixed Rate Loans – This "traditional" type of loan maintains its original interest rate throughout the entire life of the loan.
  • Adjustable Rate Loans – This flexible loan features a lower monthly payment fixed for a set number of years and then adjusts after the initial fixed period.
  • Jumbo Loans – If your dream home exceeds the conventional loan limit of $484,350, take advantage of our special pricing.
  • Unique Loans – We offer a number of unique loans, including first-time homebuyer programs, investment and second homes.

Refinancing Options

Depending on your current rate and how long you plan to stay in your home, refinancing your mortgage may lower your monthly payment and even shorten the term of your loan.

  • External Refinances – Do you have a mortgage with another lender? Our refinancing programs may be a better fit.
  • Cash-Out Refinances – Use the equity in your home for home improvements or to consolidate high interest debt.
  • Rate Modifications* – If you currently have an American Airlines Credit Union home loan, we can change your interest rate or loan program for a low fee.

Home Equity Line of Credit (HELOCs)

The equity in your home is a valuable resource, and we want to help you tap into it. Our HELOC loans can be used for many purposes, from home improvements to debt consolidation.

Learn more about Owner Occupied Homes

Learn more about Non-Owner Occupied Homes

Tools and Resources

For additional information, please consult the following resources:

EDUCATION

Hiding in Plain Sight

Owning a home isn’t getting any cheaper, and we’re not talking about just the cost of your mortgages. According to a new study from Zillow, Americans are now spending an average of $9,400 per year on the “hidden” costs of homeownership. These costs are basically everything you must pay for outside of your mortgage, and they can add up quickly.

Read more about "hidden" costs

Moving Right

Some ways to save when moving out of state:

Scale Down

Way before you actually move, attempt to scale down your possessions. Hold a garage sale, sell things you no longer use on eBay, etc. Not only will this reduce how much you have to pack and (possibly) pay movers to transport, you’ll add some much needed extra cash to your wallet.

Learn more moving tips

Visit Our Blog

Our Rates*

  • APY as high as

    2.27%

    Checking Account

    Priority Checking

  • APY as high as

    1.46%

    Savings Accounts

    (Share) Savings Accounts

  • APY as high as

    1.46%

    Savings Accounts

    IRA Savings

  • APY as high as

    2.94%

    Share Certificates

    Regular Share Certificates

*Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective December 01, 2019.

Our Rates*

  • APR as low as

    2.35%

    New Auto

    Vehicle Loans

  • APR as low as

    2.35%

    Used Auto

    Vehicle Loans

  • APR as low as

    5.24%

    RV

    Vehicle Loans

*Auto Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective November 01, 2019.

Our Rates*

  • APR as low as

    3.292%

    15-Year Fixed

    Home Loans

  • APR as low as

    3.665%

    30-Year Fixed

    Home Loans

  • APR as low as

    4.390%

    5/1 Arm (30-Year)

    Home Loans

*Home Loan Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 04, 2019.  View Full Disclosures.

Our Rates*

  • APR

    8.75% - 13.99%

    Platinum (Low Rate)

    Credit Cards

  • APR

    10.25% - 15.99%

    Rewards

    Credit Cards

  • APR

    13.99%

    Secured

    Credit Cards

*American Airlines Credit Union Visa Consumer Credit Card Application and Solicitation Disclosure

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2019.

Our Rates*

  • APY as high as

    0.15%

    Business Checking

    Checking Accounts

  • APY as high as

    1.25%

    Business Savings Account

    (Share) Savings Accounts

*Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective December 1, 2019.

Our Rates*

  • APR

    10.49% - 16.49%

    Platinum

    Credit Cards

*Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2019.

Our Rates*

APY as high as

2.27%

Checking Account

Priority Checking

APY as high as

1.46%

Savings Accounts

(Share) Savings Accounts

APY as high as

1.46%

Savings Accounts

IRA Savings

APY as high as

2.94%

Share Certificates

Regular Share Certificates

*Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective December 01, 2019.

APR as low as

2.35%

New Auto

Vehicle Loans

APR as low as

2.35%

Used Auto

Vehicle Loans

APR as low as

5.24%

RV

Vehicle Loans

*Auto Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective November 01, 2019.

APR as low as

3.292%

15-Year Fixed

Home Loans

APR as low as

3.665%

30-Year Fixed

Home Loans

APR as low as

4.390%

5/1 Arm (30-Year)

Home Loans

*Home Loan Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 04, 2019.  View Full Disclosures.

APR

8.75% - 13.99%

Platinum (Low Rate)

Credit Cards

APR

10.25% - 15.99%

Rewards

Credit Cards

APR

13.99%

Secured

Credit Cards

*American Airlines Credit Union Visa Consumer Credit Card Application and Solicitation Disclosure

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2019.

APY as high as

0.15%

Business Checking

Checking Accounts

APY as high as

1.25%

Business Savings Account

(Share) Savings Accounts

*Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective December 1, 2019.

APR

10.49% - 16.49%

Platinum

Credit Cards

*Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2019.

“The Credit Union offers low loan financing and not a lot of hassle. It was also easier to get a home loan preapproval than other conventional lenders.”

Charles, member since 2018

Read More Member Stories

* Not all loan programs are eligible. Must be a member-owner in good standing. No principal payments in month of modification.