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
Receive up to $750 cash back or 75,000 Connection Points™
when you finance a mortgage paired with one of our qualifying credit cards.
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 $806,500, 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.
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.
- Print and use this checklist. Be prepared by knowing what you'll need.
- Members on the Move - Work with a personal program coordinator throughout your home selling or buying experience. It's a complimentary Credit Union service.
- Nationwide Mortgage Licensing System (NMLS) - Verify a mortgage company or individual.
- Mortgage Loan Originator Listing - Locate an American Airlines Credit Union loan officer's National Mortgage Licensing System ID.
- Loan Calculator - Find out what's right for you.
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:
- Consumer financial Protection Bureau (CFPB) - Housing counselor database.
- CFPB Mortgage Help - Advice on foreclosure
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 $806,500, 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.
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.
- Print and use this checklist. Be prepared by knowing what you'll need.
- Members on the Move - Work with a personal program coordinator throughout your home selling or buying experience. It's a complimentary Credit Union service.
- Nationwide Mortgage Licensing System (NMLS) - Verify a mortgage company or individual.
- Mortgage Loan Originator Listing - Locate an American Airlines Credit Union loan officer's National Mortgage Licensing System ID.
- Loan Calculator - Find out what's right for you.
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:
- Consumer financial Protection Bureau (CFPB) - Housing counselor database.
- CFPB Mortgage Help - Advice on foreclosure
WHY FINANCE WITH US?
What makes us different?
-
Your home loan is serviced by American Airlines Credit Union.
-
Receive up to $750 cash back when you open a new mortgage paired with a Visa Signature® Cash Back credit card.
- Earn up to 75,000 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
Our Rates^
-
APR as low as
6.210%
15-Year Fixed
Home Loans
-
APR as low as
6.710%
30-Year Fixed
Home Loans
-
APR as low as
6.683%
5/1 Arm (30-Year)
Home Loans
-
APR as low as
7.250%
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 March 17, 2025. View Full Disclosures.
Our Rates^
-
APY as high as
2.02%
Savings
Share/IRA Accounts
-
APY as high as
4.25%
Short-Term Share Certificate
Share Certificate
-
APY as high as
4.05%
Share Certificate
Share/IRA Certificates
-
APY as high as
4.07%
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
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective June 1, 2025.
Our Rates^
-
APR as low as
3.99%
New Auto
Up to 36 Months
-
APR as low as
4.49%
Used Auto
Up to 36 Months
-
APR as low as
4.74%
New Auto
Up to 60 months
-
APR as low as
5.24%
Used Auto
Up to 60 months
-
APR as low as
6.99%
RV
Vehicle Loans
-
APR as low as
6.74%
Boat/Airplane
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 11, 2025.
Our Rates^
-
APR
15.00% - 17.00%
Signature Cash Back
Credit Cards
-
APR
12.75% - 18.00%
Platinum Rewards
Credit Cards
-
APR
11.25% - 18.00%
Platinum Low Rate
Credit Cards
-
APR
16.49%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 1, 2025.
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 June 1, 2025.
Our Rates^
-
APR
12.99% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2025.
Our Rates^
APR as low as
6.210%
15-Year Fixed
Home Loans
APR as low as
6.710%
30-Year Fixed
Home Loans
APR as low as
6.683%
5/1 Arm (30-Year)
Home Loans
APR as low as
7.250%
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 March 17, 2025. View Full Disclosures.
APY as high as
2.02%
Savings
Share/IRA Accounts
APY as high as
4.25%
Short-Term Share Certificate
Share Certificate
APY as high as
4.05%
Share Certificate
Share/IRA Certificates
APY as high as
4.07%
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
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective June 1, 2025.
APR as low as
3.99%
New Auto
Up to 36 Months
APR as low as
4.49%
Used Auto
Up to 36 Months
APR as low as
4.74%
New Auto
Up to 60 months
APR as low as
5.24%
Used Auto
Up to 60 months
APR as low as
6.99%
RV
Vehicle Loans
APR as low as
6.74%
Boat/Airplane
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 11, 2025.
APR
15.00% - 17.00%
Signature Cash Back
Credit Cards
APR
12.75% - 18.00%
Platinum Rewards
Credit Cards
APR
11.25% - 18.00%
Platinum Low Rate
Credit Cards
APR
16.49%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 1, 2025.
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 June 1, 2025.
APR
12.99% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2025.
“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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