We offer a quick and free pre-approval, allowing you to lock in your rate for 60 days.*
If you would like to request a mortgage loan deferral due to financial hardship click here.

Home Loans

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

Need to speak to a mortgage specialist to know how to get started?

Call (800) 533-0035, Option 3, or email us at mortgageapplicationteam@aacreditunion.org

 

Apply Now

$1K Mortgage Giveaway

Enter for a chance to win a $1,000 prize when you apply for a mortgage between April 1 and June 30, 2024, and fund by Sept. 30, 2024.

See official rules.

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 $766,550, take advantage of our special pricing.
  • Unique Loans – We offer a number of unique loans, including first-time homebuyer programs, investment and second homes.

    Learn more about our special offers.

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.

    Learn more about Owner Occupied Homes

    Learn more about Non-Owner Occupied Homes

FIRST-TIME HOME BUYER

Perfect for those who have never owned a home or haven't owned one in the last three years, the first-time home buyer loan can help you unlock the door for less.

  • Fixed-Rate or ARM - Receive a special discounted loan rate to help keep your payments more affordable.
  • Low down payment - You can use funds given to you from a family member.
  • Low Closing Costs - We'll refund your processing fee after you close.
  • In-House Servicing - You'll always know where your mortgage is held.

Learn more about the home-buying process in our home-buyer webinar and use our calculators to help you see how much you can afford.

READY TO START THE LOAN PROCESS?

If you're ready to get started we can help you with a number of tools, resources and steps to take:

Step 1: Research.

Step 2: Get pre-approved.

  • Get your documents ready.
  • Apply for a loan so you're ready when you find a home.

Step 3: Find a home.

  • Our trusted loan professionals will help you pick an inspector, order an appraisal and select appropriate homeowners insurance.

Step 4: Close on your home.

Other 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 $766,550, take advantage of our special pricing.
  • Unique Loans – We offer a number of unique loans, including first-time homebuyer programs, investment and second homes.

    Learn more about our special offers.

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.

    Learn more about Owner Occupied Homes

    Learn more about Non-Owner Occupied Homes

FIRST-TIME HOME BUYER

Perfect for those who have never owned a home or haven't owned one in the last three years, the first-time home buyer loan can help you unlock the door for less.

  • Fixed-Rate or ARM - Receive a special discounted loan rate to help keep your payments more affordable.
  • Low down payment - You can use funds given to you from a family member.
  • Low Closing Costs - We'll refund your processing fee after you close.
  • In-House Servicing - You'll always know where your mortgage is held.

Learn more about the home-buying process in our home-buyer webinar and use our calculators to help you see how much you can afford.

READY TO START THE LOAN PROCESS?

If you're ready to get started we can help you with a number of tools, resources and steps to take:

Step 1: Research.

Step 2: Get pre-approved.

  • Get your documents ready.
  • Apply for a loan so you're ready when you find a home.

Step 3: Find a home.

  • Our trusted loan professionals will help you pick an inspector, order an appraisal and select appropriate homeowners insurance.

Step 4: Close on your home.

Other resources:

WHY FINANCE WITH US?

What makes us different?

  • Your home loan is serviced by American Airlines Credit Union.

  • Receive $250 cash back when you open a new mortgage paired with a Visa Signature® Cash Back credit card.

  • Earn 25,000 Connection PointsTM when you open a new mortgage paired with a Visa® Platinum Rewards credit card.
  • Earn a cash back bonus on real estate transactions with Members On The Move.

  • We offer a number of unique loans tailored to fit your needs.

Loan Features

  • No application fee

  • Free 60-day rate lock

  • Low closing costs

  • No prepayment penalty

 

Apply Now

Our Rates^

  • APR as low as

    6.591%

    15-Year Fixed

    Home Loans

  • APR as low as

    6.964%

    30-Year Fixed

    Home Loans

  • APR as low as

    7.495%

    5/1 Arm (30-Year)

    Home Loans

  • APR as low as

    7.125%

    5/10 Fixed

    Owner Occupied HELOC

^Home Loan Rates and Information and HELOC Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective May 15, 2024.  View Full Disclosures.

Our Rates^

  • APY as high as

    2.38%

    Savings

    Share/IRA Accounts

  • APY as high as

    5.40%

    Short-Term Share Certificate

    Share Certificate

  • APY as high as

    5.00%

    Share Certificate

    Share/IRA Certificates

  • APY as high as

    4.28%

    Ladder Certificates

    Share/IRA Certificates

  • APY as high as

    0.40%

    Priority Checking

    Checking Accounts

  • APY as high as

    0.25%

    Flagship Checking

    Checking Accounts

^Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective May 1, 2024.

Our Rates^

  • APR as low as

    4.94%

    New/Used Auto

    Up to 36 Months

  • APR as low as

    5.69%

    New/Used Auto

    Up to 60 months

  • APR as low as

    6.74%

    RV

    Vehicle Loans

  • APR as low as

    6.49%

    Boat/Airplane

    Vehicle Loans

^Auto & Recreational Loans

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective February 1, 2024.

Our Rates^

  • APR

    16.00% - 18.00%

    Signature Cash Back

    Credit Cards

  • APR

    13.75% - 18.00%

    Platinum Rewards

    Credit Cards

  • APR

    12.25% - 17.49%

    Platinum Low Rate

    Credit Cards

  • APR

    17.49%

    Platinum Secured

    Credit Cards

^Credit Card Rates and Fees

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 1, 2024.

Our Rates^

  • APY as high as

    0.15%

    Business Checking

    Checking Accounts

  • APY as high as

    0.40%

    Business Savings Account

    (Share) Savings Accounts

^Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective May 1, 2024.

Our Rates^

  • APR

    13.99% - 18.00%

    Platinum

    Credit Cards

^Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2023.

Our Rates^

APR as low as

6.591%

15-Year Fixed

Home Loans

APR as low as

6.964%

30-Year Fixed

Home Loans

APR as low as

7.495%

5/1 Arm (30-Year)

Home Loans

APR as low as

7.125%

5/10 Fixed

Owner Occupied HELOC

^Home Loan Rates and Information and HELOC Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective May 15, 2024.  View Full Disclosures.

APY as high as

2.38%

Savings

Share/IRA Accounts

APY as high as

5.40%

Short-Term Share Certificate

Share Certificate

APY as high as

5.00%

Share Certificate

Share/IRA Certificates

APY as high as

4.28%

Ladder Certificates

Share/IRA Certificates

APY as high as

0.40%

Priority Checking

Checking Accounts

APY as high as

0.25%

Flagship Checking

Checking Accounts

^Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective May 1, 2024.

APR as low as

4.94%

New/Used Auto

Up to 36 Months

APR as low as

5.69%

New/Used Auto

Up to 60 months

APR as low as

6.74%

RV

Vehicle Loans

APR as low as

6.49%

Boat/Airplane

Vehicle Loans

^Auto & Recreational Loans

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective February 1, 2024.

APR

16.00% - 18.00%

Signature Cash Back

Credit Cards

APR

13.75% - 18.00%

Platinum Rewards

Credit Cards

APR

12.25% - 17.49%

Platinum Low Rate

Credit Cards

APR

17.49%

Platinum Secured

Credit Cards

^Credit Card Rates and Fees

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 1, 2024.

APY as high as

0.15%

Business Checking

Checking Accounts

APY as high as

0.40%

Business Savings Account

(Share) Savings Accounts

^Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective May 1, 2024.

APR

13.99% - 18.00%

Platinum

Credit Cards

^Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2023.

“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

* This is not a firm offer of credit or a guaranteed loan offer. An instant preapproval letter is only eligible on primary residences. Debt-to-Income (DTI) ratios must be under 33%/43% with a minimum credit score of 660. Any income listed aside from standard W2 wages will not be immediately eligible to receive a preapproval. Not all members will be eligible. We offer a free 60-day rate lock on both purchase and refinance transactions and a free 90-day rate lock on construction-to-perm loans. All rate locks are valid for up to 60 or up to 90 days respectively from the date the Rate Lock Agreement is signed. Certain terms and restrictions apply. Contact a mortgage loan officer for full details

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

1 Valid for all mortgage home loan applications that apply between 03/01/2024 and 03/31/2024, and fund before 06/30/2024. Member must be in good standing. $475 lender credit will be applied at time of closing.

Connection Points powered by CU Rewards.®

Visa and Visa Signature are registered trademarks of Visa International Service Association.