WITH YOU EVERY STEP

We’re here to support you throughout your home-buying journey. Explore our relocation solutions** designed to make your move a success.

MORTGAGES

Our experienced loan experts make home financing simple and stress free. As an American Airlines team member, you’re eligible for exclusive Credit Union benefits, including:

Special Relocation Rate Discounts

Take advantage of discounted rates to help keep your monthly payments more affordable. We offer the following complimentary points:

• We'll cover 1 discount point on fixed-rate mortgages, and you'll enjoy a 0.25% rate discount.

• We'll cover 0.50 discount point on adjustable-rate mortgages, and you'll enjoy a 0.125% rate discount.

Additional Relocation Mortgage Benefits 

• No application fee
• Low $475 non-refundable processing fee
• Free 60-day rate lock¹
• Float-down rate option² with a flat $350 fee
• Conventional mortgages with down payments as low as 3%. View our rates for more details.

International team member transfering to the U.S.? You may qualify for our relocation mortgage benefits. Talk with a Credit Union relocation specialist to learn more.

Other Helpful Resources

• Calculate your estimated payments.
• Download our mortgage application checklist.
• Check out our "Flight Plan to Home Ownership" webinar.

MORE REASONS TO FINANCE WITH US

In-House Servicing – We service all our loans ourselves, so you’ll always know who holds your mortgage — and who to call when you need support.

Rate modification – Once you have an American Airlines Credit Union home loan, we can change your interest rate or loan program for a low fee — helping you save without the expense of a full refinance.

No prepayment penalty – Pay off your mortgage at any time with no additional cost.

Bonus Dividends³ – Increase your overall annual Bonus Dividend earnings based on the interest you pay on your mortgage.

* New member bonus is good for new memberships opened between 08/04/2025 and 12/31/2025 with Promo Code AA6356. New member account will have $26.00 ($25.00 new-member bonus, plus, the one-time $1.00 membership fee) deposited within seven (7) days of the new account being opened. A total of $5.00 will remain pledged in member’s primary savings account as a required minimum daily balance. There is no minimum balance required to obtain the bonus. The primary savings account Annual Percentage Yield is 2.02% and is accurate as of 08/01/2025, and is subject to change. Each bonus is non-transferable, and will be forfeited if account is closed prior to bonus award date. Fees could reduce earnings on the account. Any bonuses or monies received in association within this promotion are subject to IRS reporting requirements. Recipients are responsible for income tax liability, if applicable.

** American Airlines relocation package is limited to employee-sponsored relocations. Must provide documentation of relocation order. To be eligible, use "Relocation" in the "How did you hear about us" section of the loan application. Certain terms and restrictions apply. Member must be in good standing to be eligible.

¹ 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.

² For a non-refundable $350 fee, you have the option to float-down your rate one time during your rate lock period. Applicants are responsible for tracking rates and contacting their loan officer to authorize the float-down option. Upon exercising this option and paying the fee, the quoted lower rate will apply regardless of any changes to the prevailing rates offered by the Credit Union for similar loans between the time of rate drop and seven (7) days prior to loan closing. Member must be in good standing to be eligible. Certain terms and restrictions apply.

³ Bonus dividends are not guaranteed.