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.
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^
-
APR as low as
5.956%
15-Year Fixed
Home Loans
-
APR as low as
6.456%
30-Year Fixed
Home Loans
-
APR as low as
6.632%
5/1 Arm (30-Year)
Home Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective November 7, 2022. View Full Disclosures.
Our Rates^
-
APY as high as
0.40%
Priority Checking
Checking Accounts
-
APY as high as
0.25%
Flagship Checking
Checking Accounts
-
APY as high as
1.00%
Savings
Share Accounts
-
APY as high as
1.00%
IRA Savings
IRA Share Accounts
-
APY as high as
3.04%
Share Certificate
Share/IRA Certificates
-
APY as high as
3.82%
Ladder Certificates
Share/IRA Certificates
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective December 1, 2022.
Our Rates^
-
APR as low as
3.05%
New Auto
Vehicle Loans
-
APR as low as
3.05%
Used Auto
Vehicle Loans
-
APR as low as
4.74%
RV
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective December 1, 2022.
Our Rates^
-
APR
10.00% - 15.24%
Platinum (Low Rate)
Credit Cards
-
APR
11.50% - 17.24%
Rewards
Credit Cards
-
APR
15.24%
Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 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 December 1, 2022.
Our Rates^
-
APR
11.74% - 17.74%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2022.
Our Rates^
APR as low as
5.956%
15-Year Fixed
Home Loans
APR as low as
6.456%
30-Year Fixed
Home Loans
APR as low as
6.632%
5/1 Arm (30-Year)
Home Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective November 7, 2022. View Full Disclosures.
APY as high as
0.40%
Priority Checking
Checking Accounts
APY as high as
0.25%
Flagship Checking
Checking Accounts
APY as high as
1.00%
Savings
Share Accounts
APY as high as
1.00%
IRA Savings
IRA Share Accounts
APY as high as
3.04%
Share Certificate
Share/IRA Certificates
APY as high as
3.82%
Ladder Certificates
Share/IRA Certificates
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective December 1, 2022.
APR as low as
3.05%
New Auto
Vehicle Loans
APR as low as
3.05%
Used Auto
Vehicle Loans
APR as low as
4.74%
RV
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective December 1, 2022.
APR
10.00% - 15.24%
Platinum (Low Rate)
Credit Cards
APR
11.50% - 17.24%
Rewards
Credit Cards
APR
15.24%
Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 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 December 1, 2022.
APR
11.74% - 17.74%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 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
* 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.
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