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.

 

 

Apply Now

Lock in your mortgage rate today

We have one of the lowest rates in the market with a 15-year fixed rate as low as 5.956% APR.^

Don't wait, lock in your rate today!

^APR=Annual Percentage Rate. Rate shown includes one discount point. Click to view Home Loan rates and information.

Apply Today

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 $726,200, 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.

    Learn more about Owner Occupied Homes

    Learn more about Non-Owner Occupied Homes

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:

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 $726,200, 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.

    Learn more about Owner Occupied Homes

    Learn more about Non-Owner Occupied Homes

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:

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.

Learn about home lending options 

Visit Our Blog

Our Rates^

  • APR as low as

    5.956%

    15-Year Fixed

    Home Loans

  • APR as low as

    6.583%

    30-Year Fixed

    Home Loans

  • APR as low as

    7.148%

    5/1 Arm (30-Year)

    Home Loans

  • APR as low as

    5.875%

    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 30, 2023.  View Full Disclosures.

Our Rates^

  • APY as high as

    2.22%

    Savings

    Share Accounts

  • APY as high as

    2.22%

    IRA Savings

    IRA Share Accounts

  • APY as high as

    5.12%

    Share Certificate

    Share/IRA Certificates

  • APY as high as

    4.33%

    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 June 1, 2023.

Our Rates^

  • APR as low as

    4.25%

    New/Used Auto

    Up to 36 Months

  • APR as low as

    5.00%

    New/Used Auto

    Up to 60 months

  • APR as low as

    5.74%

    RV

    Vehicle Loans

  • APR as low as

    5.49%

    Boat/Airplane

    Vehicle Loans

^Auto & Recreational Loans

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective May 5, 2023.

Our Rates^

  • APR

    15.50% - 17.50%

    Signature Cash Back

    Credit Cards

  • APR

    13.25% - 18.00%

    Platinum Rewards

    Credit Cards

  • APR

    11.75% - 16.99%

    Platinum Low Rate

    Credit Cards

  • APR

    16.99%

    Platinum Secured

    Credit Cards

^Credit Card Rates and Fees

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

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 June 1, 2023.

Our Rates^

  • APR

    13.49% - 18.00%

    Platinum

    Credit Cards

^Business Credit Card Rates and Information

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

Our Rates^

APR as low as

5.956%

15-Year Fixed

Home Loans

APR as low as

6.583%

30-Year Fixed

Home Loans

APR as low as

7.148%

5/1 Arm (30-Year)

Home Loans

APR as low as

5.875%

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 30, 2023.  View Full Disclosures.

APY as high as

2.22%

Savings

Share Accounts

APY as high as

2.22%

IRA Savings

IRA Share Accounts

APY as high as

5.12%

Share Certificate

Share/IRA Certificates

APY as high as

4.33%

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 June 1, 2023.

APR as low as

4.25%

New/Used Auto

Up to 36 Months

APR as low as

5.00%

New/Used Auto

Up to 60 months

APR as low as

5.74%

RV

Vehicle Loans

APR as low as

5.49%

Boat/Airplane

Vehicle Loans

^Auto & Recreational Loans

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective May 5, 2023.

APR

15.50% - 17.50%

Signature Cash Back

Credit Cards

APR

13.25% - 18.00%

Platinum Rewards

Credit Cards

APR

11.75% - 16.99%

Platinum Low Rate

Credit Cards

APR

16.99%

Platinum Secured

Credit Cards

^Credit Card Rates and Fees

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

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 June 1, 2023.

APR

13.49% - 18.00%

Platinum

Credit Cards

^Business Credit Card Rates and Information

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

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