EARN CASH BACK OR CONNECTION POINTS

Earn $250 in cash back* when you take out a new mortgage and open a new Visa Signature® Cash Back credit card, or earn 25,000 Connection Points™** when you take out a new mortgage and open a new Visa® Rewards credit card.

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Adjustable Rate Mortgages (ARMs)

With rates starting at 6.375% for the first five years (7.204% APR^), our 5/1 ARM 30 year allows you to stay agile in a shifting market.

Don't wait, lock in your rate today!

^APR=Annual Percentage Rate. Rate shown includes .50 discount point. Click to view home loan rates and information.

Apply today.

Pick which credit card is right for you!

When you finance a new mortgage from us and open a new credit card you can earn either cash back or Connection Points!

• A new mortgage paired with our Signature Cash Back credit card earns you $250 cash back.

OR

• A new mortgage paired with our Rewards credit card earns you 25,000 Connections Points.

 

Why do so many members turn to us to finance their mortgage or unlock the equity in their home?

Because the Credit Union checks all the right boxes when you're looking for a lender to finance/refinance your home loan.

   We can save you money with some of the lowest interest rates in the market, which puts more money back in your pocket.

   We don’t actively sell your loan, which means all loan servicing is done in-house by a member of our team ready to give you a great one-on-one experience.

   We have lower-than-average closing costs.1

 

Our Rates^

  • APR as low as

    6.464%

    15-Year Fixed

    Home Loans

  • APR as low as

    6.710%

    30-Year Fixed

    Home Loans

  • APR as low as

    7.204%

    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 February 19, 2024.  View Full Disclosures.

Our Rates^

  • APY as high as

    2.38%

    Savings

    Share/IRA Accounts

  • APY as high as

    5.50%

    Short-Term Share Certificate

    Share Certificate

  • 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 February 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 January 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 February 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

6.464%

15-Year Fixed

Home Loans

APR as low as

6.710%

30-Year Fixed

Home Loans

APR as low as

7.204%

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 February 19, 2024.  View Full Disclosures.

APY as high as

2.38%

Savings

Share/IRA Accounts

APY as high as

5.50%

Short-Term Share Certificate

Share Certificate

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 February 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 January 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 February 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.

* Visa Signature Cash Back credit card is required for this offer. The amount of cash back rewards to be credited to your American Airlines Credit Union Visa Signature Cash Back credit card is $250 for a new mortgage to the Credit Union. Internal refinances are eligible and will qualify for this offer only if a minimum of $50,000 in additional principal is borrowed. Internal modifications are not eligible. One award per funded loan. All loans are subject to credit approval and Credit Union lending guidelines. Signature Cash Back credit card requires a minimum credit limit of $5,000. See Cash Back Rules available on our website for complete program description at AACreditUnion.org/Cash-Back. Allow 4-6 weeks after closing date for the balance to appear on your “Cash Back Rewards Summary” on your statement. Credit Union reserves the right to change or end the program and its terms and conditions at any time without notice. This offer is non-transferrable. Any bonuses or monies received in association with this promotion are subject to IRS reporting requirements. Recipients are responsible for income tax liability, if applicable.

** Visa Platinum Rewards Credit Card is required for this offer. The number of Connection Points awarded in conjunction with your new mortgage loan is 25,000 points for new mortgages to the Credit Union. Internal refinances are eligible and will qualify for this offer only if a minimum of $50,000 in additional principal is borrowed. Internal modifications are not eligible. One award per funded loan. See Connection Point Rules available on our website for complete program description at AACreditUnion.org/Connection-Points. This offer is non-transferrable. Any bonuses or monies received in association with this promotion are subject to IRS reporting requirements. Recipients are responsible for income tax liability, if applicable. Allow 4-6 weeks after closing date for balance to appear on your “Connection Points Summary.” American Airlines Credit Union reserves the right to change or end the Mortgage Connection Points Program and its terms and conditions at any time without notice.

1 The national average closing cost for single-family homes in the first half of 2021 was $6,837. Source: https://nationalmortgageprofessional.com/news/closing-costs-surge-first-half-2021

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

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