FLIGHT SCHOOL FINANCIAL SOLUTIONS
We know you’ve got a lot on your mind. Taking training sessions. Logging your flight hours. Passing the checkride. While we can’t help fly the plane for you, we’re here to help you manage your finances during this exciting time.
Along with the full range of financial products and services you’d expect, we offer something more: a deep understanding of your world. From your first takeoff to a lifetime in the skies, your Credit Union is here to support you every step of the way.
PARTNER SCHOOLS
We partner with flight schools like ATP to provide products and services to students, instructors and alumni pilots.
MEMBERSHIP
Flight training is a major investment in your future — and having a financial partner that understands aviation makes all the difference. As a student pilot currently enrolled in flight school, an instructor, or an airline pilot, you’re eligible for membership at our Credit Union. Unlock specialized financial products designed to help you fund training, reduce interest costs, and manage everyday expenses with confidence.
You and your family are welcome.
To become a member, you need to be:
- A student pilot enrolled in flight training
- A flight school instructor
- An airline pilot
- An immediate family member, including:
- Spouse or domestic partner
- Parents
- Children
- Grandparents
- Siblings
Refer your family and earn up to $250. Learn more.
FINANCIAL PRODUCTS TO GET YOU OFF THE GROUND
Flight training comes with significant expenses, but the right financial strategy can make a big difference. We offer flexible lending solutions designed to help you save on interest and stay focused on your goals.
Pilot Loan Refinance
If you already financed your flight training, refinancing may help you:
- Lower your interest rate
- Reduce your monthly payments
- Save money over time
Our Pilot Loan Refinance¹ takes your career path into account, because not all lenders understand aviation.
Home Equity Line Of Credit (HELOC)
If your family owns a home, a HELOC can be a powerful way to help fund flight training. Here are some advantages to using a HELOC:
- Access funds as needed instead of in a lump sum
- Typically lower interest rates than an unsecured personal loan
- Flexible terms for a variety of budgets
Training costs can stretch over months or even years. A HELOC allows you to finance your training as you go.
Credit Card
Carrying a balance on high-interest credit cards? Transferring them to one of ours could help you save significantly.
- Move existing balances from higher-rate cards.
- Pay less interest over time.
- Simplify your monthly payments.
Every dollar saved on interest is a dollar that can go toward flight time, exams, or living costs.
Checking Account
Stay in control of your finances with easy, everyday access to your money. Open a checking account with:
- No minimum balance
- No monthly fees
- Free online banking on the go
Plus, you can use your debit card to access cash at more than 85,000 ATMs coast to coast.
Auto Loan Refinance
If your car is financed elsewhere, refinancing your loan with the Credit Union can help you save each month. This can offer a number of benefits:
- Lower interest rates
- Lower monthly payments
- Additional rate discounts
- Cash-out options
- Add-on options to protect your asset
Beyond saving money on interest or payments, using your auto for cash out can be a great way to get additional funds to go toward your training costs.
Other Financing Options
There are additional ways you may be able to get the money you need with the help of the Credit Union. Our blog, “Ways to Access Needed Funds,” describes methods for accessing large amounts of cash quickly. In addition, our financial calculators will help you determine what fits your budget.
Pilot Loan Refinance
If you already financed your flight training, refinancing may help you:
- Lower your interest rate
- Reduce your monthly payments
- Save money over time
Our Pilot Loan Refinance¹ takes your career path into account, because not all lenders understand aviation.
Home Equity Line Of Credit (HELOC)
If your family owns a home, a HELOC can be a powerful way to help fund flight training. Here are some advantages to using a HELOC:
- Access funds as needed instead of in a lump sum
- Typically lower interest rates than an unsecured personal loan
- Flexible terms for a variety of budgets
Training costs can stretch over months or even years. A HELOC allows you to finance your training as you go.
Credit Card
Carrying a balance on high-interest credit cards? Transferring them to one of ours could help you save significantly.
- Move existing balances from higher-rate cards.
- Pay less interest over time.
- Simplify your monthly payments.
Every dollar saved on interest is a dollar that can go toward flight time, exams, or living costs.
Checking Account
Stay in control of your finances with easy, everyday access to your money. Open a checking account with:
- No minimum balance
- No monthly fees
- Free online banking on the go
Plus, you can use your debit card to access cash at more than 85,000 ATMs coast to coast.
Auto Loan Refinance
If your car is financed elsewhere, refinancing your loan with the Credit Union can help you save each month. This can offer a number of benefits:
- Lower interest rates
- Lower monthly payments
- Additional rate discounts
- Cash-out options
- Add-on options to protect your asset
Beyond saving money on interest or payments, using your auto for cash out can be a great way to get additional funds to go toward your training costs.
Other Financing Options
There are additional ways you may be able to get the money you need with the help of the Credit Union. Our blog, “Ways to Access Needed Funds,” describes methods for accessing large amounts of cash quickly. In addition, our financial calculators will help you determine what fits your budget.
Our Rates^
-
APY as high as
1.87%
Savings
Share/IRA Accounts
-
APY as high as
9.00%
9-Month Share Certificate
$1K min/max; One per member*
-
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 June 1, 2026.
*Minimum/maximum $1,000 deposit. Limit one per member account.
Our Rates^
-
APR as low as
3.34%
New Auto
Up to 36 Months
-
APR as low as
3.84%
Used Auto
Up to 36 Months
-
APR as low as
4.09%
New Auto
Up to 60 months
-
APR as low as
4.59%
Used Auto
Up to 60 months
-
APR as low as
6.34%
RV
Vehicle Loans
-
APR as low as
5.59%
Boat/Airplane
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
Our Rates^
-
APR as low as
5.829%
15-Year Fixed
Home Loans
-
APR as low as
6.202%
30-Year Fixed
Home Loans
-
APR as low as
6.236%
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 May 22, 2026. View Full Disclosures.
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 April 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 June 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^
APY as high as
1.87%
Savings
Share/IRA Accounts
APY as high as
9.00%
9-Month Share Certificate
$1K min/max; One per member*
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 June 1, 2026.
*Minimum/maximum $1,000 deposit. Limit one per member account.
APR as low as
3.34%
New Auto
Up to 36 Months
APR as low as
3.84%
Used Auto
Up to 36 Months
APR as low as
4.09%
New Auto
Up to 60 months
APR as low as
4.59%
Used Auto
Up to 60 months
APR as low as
6.34%
RV
Vehicle Loans
APR as low as
5.59%
Boat/Airplane
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
APR as low as
5.829%
15-Year Fixed
Home Loans
APR as low as
6.202%
30-Year Fixed
Home Loans
APR as low as
6.236%
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 May 22, 2026. View Full Disclosures.
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 April 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 June 1, 2026.
APR
12.24% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2026.
* 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.
1 To be eligible for our Pilot Loan Refinance, you must have your Commercial Pilot License or Airline Transportation License and be a member of American Airlines Credit Union before applying. Be sure to review all eligibility requirements. Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualificiations. Contact the Credit Union for more details.
