American Airlines Relocation Solutions
Navigating a move can be challenging, but we offer products and programs designed to make your transition smooth and stress free.
Questions? Call a relocation mortgage specialist at (855) 500-7162, or send us an email.
Apply now
$25 New Member Bonus*
Not a member yet? No problem. Receive a $25 bonus when you join the Credit Union.
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.
Questions? Contact us.
Call us at (855) 500-7162, 7 a.m.-7 p.m. Monday-Friday, and 9 a.m.-3 p.m. Saturday. Central Time. Or, send an email to Relocation@AACreditUnion.org.
APPLY NOW
Our Rates^
-
APR as low as
5.702%
15-Year Fixed
Home Loans
-
APR as low as
5.821%
30-Year Fixed
Home Loans
-
APR as low as
6.037%
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 16, 2026. View Full Disclosures.
Our Rates^
-
APY as high as
1.87%
Savings
Share/IRA Accounts
-
APY as high as
4.05%
Short-Term Share Certificate
Share Certificate
-
APY as high as
4.00%
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 April 1, 2026.
Our Rates^
-
APR as low as
3.74%
New Auto
Up to 36 Months
-
APR as low as
4.24%
Used Auto
Up to 36 Months
-
APR as low as
4.49%
New Auto
Up to 60 months
-
APR as low as
4.99%
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 December 19, 2025.
Our Rates^
-
APR
14.25% - 16.25%
Signature Cash Back
Credit Cards
-
APR
12.00% - 17.74%
Platinum Rewards
Credit Cards
-
APR
10.50% - 18.00%
Platinum Low Rate
Credit Cards
-
APR
15.74%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2026.
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 April 1, 2026.
Our Rates^
-
APR
12.24% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2026.
Our Rates^
APR as low as
5.702%
15-Year Fixed
Home Loans
APR as low as
5.821%
30-Year Fixed
Home Loans
APR as low as
6.037%
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 16, 2026. View Full Disclosures.
APY as high as
1.87%
Savings
Share/IRA Accounts
APY as high as
4.05%
Short-Term Share Certificate
Share Certificate
APY as high as
4.00%
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 April 1, 2026.
APR as low as
3.74%
New Auto
Up to 36 Months
APR as low as
4.24%
Used Auto
Up to 36 Months
APR as low as
4.49%
New Auto
Up to 60 months
APR as low as
4.99%
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 December 19, 2025.
APR
14.25% - 16.25%
Signature Cash Back
Credit Cards
APR
12.00% - 17.74%
Platinum Rewards
Credit Cards
APR
10.50% - 18.00%
Platinum Low Rate
Credit Cards
APR
15.74%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2026.
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 April 1, 2026.
APR
12.24% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2026.
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 modification³ – 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 Dividends⁴ – Increase your overall annual Bonus Dividend earnings based on the interest you pay on your mortgage.
Home loans for every need
You find the home. We'll help with the financing.
Fixed-Rate Mortgage
This is the most common mortgage with set monthly payments for 15 or 30 years.
Who's it for: This is ideal for home buyers who plan to stay in their house for a long period of time and prefer a regular, fixed monthly payment.
Advantages: Principle and interest payments stay the same throughout the life of the mortgage (taxes and insurance might fluctuate). There are no prepayment penalties for paying off the mortgage.
Things to know: The rate does not change no matter how the market fluctuates.
Calculate the payments for a 15- vs. 30-year fixed mortgage.
Apply now.Adjustable-Rate Mortgage (ARM)
When you open an ARM, you choose a product based on how long you want your rate to be fixed. There are options to have the rate fixed for 5, 7 or 10 years, and then your payment and rate may be adjusted annually based on current market conditions. For example, a 5/1 ARM has a fixed rate for five years.
Who's it for: Home buyers who plan to stay in their home for only a few years, or are willing to accept the possiblity of a rate change might consider this option.
Advantages: Typically an ARM has a lower fixed rate for the first 5, 7 or 10 years, depending on the product.
Things to know: Your payment and rate may change annually after the initial fixed-rate term.
Calculate the difference between a fixed- vs. adjustable-rate mortgage.
Apply now.Jumbo Mortgages
Jumbo mortgages are the same fixed- or adjustable-rate products, but with a higher minimum loan amount. These loans typically receive a slightly lower rate.
- Jumbo mortgages are for home loans greater than $832,750.
- Super jumbo mortgages are for home loans greater than $1 million.
First-Time Home Buyer
Choose between a 30-year fixed rate or a 5/1 adjustable-rate mortgage.
Who's it for: Home buyers who have never owned a home or haven't owned a home in three or more years.
Features: Our first-time home buyer mortgage offers a special discounted rate, lower closing costs, and flexible down payment options.
Apply now.Other Mortgage Types
In some cases a traditional mortgage doesn’t meet your needs. We also offer mortgages for investment or rental property, second homes, and vacation homes. If you've ever dreamed of parking your plane at home, our hangar home loan is perfect for you.
For mortgage needs with special consideration, call us at (800) 533-0035, Option 3, or send us a contact request.
Apply now.While we do not offer FHA or VA loans, we encourage you to reach out to us as we do have options for members who have a down payment as little as 3.00%. View our rates for more details or call a mortgage specialist at (800) 533-0035, Option 3.
* New member bonus is good for new memberships opened between 01/01/2026 and 12/31/2026. 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's no minimum balance required to obtain the bonus. 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. Each bonus is non-transferable, and will be forfeited if account is closed prior to bonus award date. See our Rate and Fee Schedule for more information at AACreditUnion.org/rates.
** 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 Not all loan programs are eligible. Must be a member in good standing. There are no principal payments in the month of modification. Click here for more info.
⁴ Bonus dividends are not guaranteed.
