Please note: Due to the significant increase in applications we’re receiving, our processing time is taking longer than usual. Also the significant increase in call volume is causing longer than average hold times. We appreciate your patience.
If you would like to request a mortgage loan deferral due to financial hardship click here.

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 $647,200, take advantage of our special pricing.
- Unique Loans – We offer a number of unique loans, including first-time homebuyer programs, investment and second homes.
Already have a mortgage?
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.
FIRST HOME LOAN
Buying your first home is an exciting time and the financing should be a simple piece of that process. Let us help you unlock the door to your first home with our in-house underwriting and lower rates and closing costs than the national average.
- If you don’t plan on staying in your first home for more than five years, our 5/1 ARM allows you to have a lower initial rate to help keep your payments more affordable.
- We have numerous calculators to help you estimate payments or calculate how much you can afford.
- Earn bonus Connection Points™ when you have an American Airlines Credit Union Rewards credit card. These points can be used for merchandise or gift cards for your new home.
- Learn more about the home-buying process and what to expect when applying for a mortgage from our home buyer webinar.
Tools and Resources
For additional information, please consult the following resources:
- Mortgage Loan Originator Listing – Locate an American Airlines Credit Union loan officer's National Mortgage Licensing System ID
- Nationwide Mortgage Licensing System (NMLS) – To verify a mortgage company or individual
- Members on the Move – Work with a personal program coordinator throughout your home-selling or buying experience. It's a complimentary Credit Union service.
- Consumer Financial Protection Bureau (CFPB) – Housing counselor database
- CFPB Mortgage Help – Advice on foreclosure
- Loan Calculators - Find out what's right for your budget.
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 $647,200, take advantage of our special pricing.
- Unique Loans – We offer a number of unique loans, including first-time homebuyer programs, investment and second homes.
Already have a mortgage?
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.
FIRST HOME LOAN
Buying your first home is an exciting time and the financing should be a simple piece of that process. Let us help you unlock the door to your first home with our in-house underwriting and lower rates and closing costs than the national average.
- If you don’t plan on staying in your first home for more than five years, our 5/1 ARM allows you to have a lower initial rate to help keep your payments more affordable.
- We have numerous calculators to help you estimate payments or calculate how much you can afford.
- Earn bonus Connection Points™ when you have an American Airlines Credit Union Rewards credit card. These points can be used for merchandise or gift cards for your new home.
- Learn more about the home-buying process and what to expect when applying for a mortgage from our home buyer webinar.
Tools and Resources
For additional information, please consult the following resources:
- Mortgage Loan Originator Listing – Locate an American Airlines Credit Union loan officer's National Mortgage Licensing System ID
- Nationwide Mortgage Licensing System (NMLS) – To verify a mortgage company or individual
- Members on the Move – Work with a personal program coordinator throughout your home-selling or buying experience. It's a complimentary Credit Union service.
- Consumer Financial Protection Bureau (CFPB) – Housing counselor database
- CFPB Mortgage Help – Advice on foreclosure
- Loan Calculators - Find out what's right for your budget.
ADVICE, TIPS & NEWS
Reasons to Refinance
With interest rates at historical lows, refinancing your mortgage can be a tempting proposition. But to truly profit from a refi, you’ll need to run the numbers to confirm that you’re not wasting time and money.
Read more about Refinancing your mortgage
Pick the Right Home Lending Program for You
Happily for homebuyers, with most of us expected to move more than 11 times in our lifetime, and median homeownership lasting as little as six years, financing your next move needn’t be difficult. From breaks on down payments to lending solutions designed to offer you more flexible financing, a multitude of loan programs designed to suit every need can help you quickly identify a property and payment plan that works for you.
Our Rates^
-
APY as high as
0.40%
Checking Account
Priority Checking
-
APY as high as
0.60%
Savings Accounts
(Share) Savings Accounts
-
APY as high as
0.60%
Savings Accounts
IRA Savings
-
APY as high as
2.02%
Share Certificates
Regular Share Certificates
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective Aug 1, 2022.
Our Rates^
-
APR as low as
1.90%
New Auto
Vehicle Loans
-
APR as low as
1.90%
Used Auto
Vehicle Loans
-
APR as low as
4.59%
RV
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective August 10, 2022.
Our Rates^
-
APR as low as
4.560%
15-Year Fixed
Home Loans
-
APR as low as
5.059%
30-Year Fixed
Home Loans
-
APR as low as
4.843%
5/1 Arm (30-Year)
Home Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective August 11, 2022. View Full Disclosures.
Our Rates^
-
APR
8.50% - 13.74%
Platinum (Low Rate)
Credit Cards
-
APR
10.00% - 15.74%
Rewards
Credit Cards
-
APR
13.74%
Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective July 1, 2022.
Our Rates^
-
APY as high as
0.15%
Business Checking
Checking Accounts
-
APY as high as
0.40%
Business Savings Account
(Share) Savings Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective August 1, 2022.
Our Rates^
-
APR
10.24% - 16.24%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective July 1, 2022.
Our Rates^
APY as high as
0.40%
Checking Account
Priority Checking
APY as high as
0.60%
Savings Accounts
(Share) Savings Accounts
APY as high as
0.60%
Savings Accounts
IRA Savings
APY as high as
2.02%
Share Certificates
Regular Share Certificates
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective Aug 1, 2022.
APR as low as
1.90%
New Auto
Vehicle Loans
APR as low as
1.90%
Used Auto
Vehicle Loans
APR as low as
4.59%
RV
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective August 10, 2022.
APR as low as
4.560%
15-Year Fixed
Home Loans
APR as low as
5.059%
30-Year Fixed
Home Loans
APR as low as
4.843%
5/1 Arm (30-Year)
Home Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective August 11, 2022. View Full Disclosures.
APR
8.50% - 13.74%
Platinum (Low Rate)
Credit Cards
APR
10.00% - 15.74%
Rewards
Credit Cards
APR
13.74%
Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective July 1, 2022.
APY as high as
0.15%
Business Checking
Checking Accounts
APY as high as
0.40%
Business Savings Account
(Share) Savings Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective August 1, 2022.
APR
10.24% - 16.24%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective July 1, 2022.

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