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.

Home Loans

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

Apply Now

Enjoy up to 60,000 Connection Points™

when you finance your mortgage with us.

Learn more

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.

    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 $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.

    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 

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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

    0.70%

    Savings

    Share Accounts

  • APY as high as

    0.70%

    IRA Savings

    IRA Share Accounts

  • APY as high as

    2.12%

    Share Certificate

    Share/IRA Certificates

  • APY as high as

    3.14%

    Ladder Certificates

    Share/IRA Certificates

^Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective Sept. 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

^Auto & Other Personal Loans

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective September 23, 2022.

Our Rates^

  • APR as low as

    5.448%

    15-Year Fixed

    Home Loans

  • APR as low as

    5.821%

    30-Year Fixed

    Home Loans

  • APR as low as

    5.627%

    5/1 Arm (30-Year)

    Home Loans

^Home Loan Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective September 19, 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

^Credit Card Rates and Fees

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

^Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective September 1, 2022.

Our Rates^

  • APR

    10.24% - 16.24%

    Platinum

    Credit Cards

^Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective July 1, 2022.

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

0.70%

Savings

Share Accounts

APY as high as

0.70%

IRA Savings

IRA Share Accounts

APY as high as

2.12%

Share Certificate

Share/IRA Certificates

APY as high as

3.14%

Ladder Certificates

Share/IRA Certificates

^Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective Sept. 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

^Auto & Other Personal Loans

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective September 23, 2022.

APR as low as

5.448%

15-Year Fixed

Home Loans

APR as low as

5.821%

30-Year Fixed

Home Loans

APR as low as

5.627%

5/1 Arm (30-Year)

Home Loans

^Home Loan Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective September 19, 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

^Credit Card Rates and Fees

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

^Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective September 1, 2022.

APR

10.24% - 16.24%

Platinum

Credit Cards

^Business Credit Card Rates and Information

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

Read More Member Stories

* 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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