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Whether you’re buying your first home or your dream home, we’re here for you. Receive up to a .50% Annual Percentage Rate discount when you refinance your auto loan from another institution. The Loan Consultant feature determines the products and rates that match your needs.
We offer overdraft options to protect your everyday spending. We're ready to help at 47 branches located throughout the United States. Our extensive nationwide network of ATMS, branch offices, and Shared Service Centers offer easy access for our member-owners. Members on the Move – Work with a personal program coordinator throughout your home-selling or buying experience.
Our Rates^
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. To apply for your easy online loan, all you have to do is answer a few simple questions about yourself, your property and your income, debts and assets.
Loans are subject to American Airlines Federal Credit Union lending guidelines and credit approval. Rates and information given herein are neither a commitment by the Credit Union to make you a loan nor a guarantee that you will receive these rates or terms if you are approved for a loan. To receive any advertised product you must become a member of the Credit Union by opening a share account. Loans above 80% LTV may require Private Mortgage Insurance . Rates and points can only be locked upon receipt of a completed Rate Lock Agreement and nonrefundable processing fee.
Committed to Your Financial Wellness
The current index is the rate of the 1 year constant maturity Treasury bill rate effective approximately 45 days prior to the rate adjustment. 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.
The APR information provided is for a 5/1 ARM mortgage product. This type of loan has a fixed APR for five years and then the APR adjusts annually. Each APR adjustment has a maximum two percentage points up or down and will never exceed six percentage points above or below the initial APR with a minimum floor of 3%. When the APR adjusts, your new APR will be the then current index plus a margin of 2.75% rounded to the nearest 1/8%, as long as it does not exceed the 2% adjustment cap.
Banking with the Credit Union
Competitive rates and up to 90% loan to value loan amounts. If the current value of your home has increased, it may make sense to refinance at a better rate or refinance to consolidate debt or plan a home improvement project. We’re committed to providing a wide choice of financial options at favorable prices. And we believe in the timeless values of honesty, integrity, respect and professionalism. We’re here to help you find answers fast, locate the service you need and receive the understanding and expertise to help you get the most out of your Credit Union membership. We know you have options so we want to reward you with a variety of discounts available on vehicle and home equity loans.
To receive the most current version, please contact your Credit Union representative. Whether you’re hunting for a new vehicle, looking to purchase your first home or seeking retirement advice, we have a number services designed to make your life easier. Learn more about the home-buying process and what to expect when applying for a mortgage from our home buyer webinar. Unique Loans – We offer a number of unique loans, including first-time homebuyer programs, investment and second homes.
Interest rate and monthly payments will adjust in the future.Interest rate can rise above the current fixed rates over time. This loan is not available on investment property at this time. Refinance and consolidate private and federal student loans. Your actual monthly payments may be higher due to amounts for real estate taxes and insurance premiums. The APR can increase or decrease on adjustable rate mortgages.
Buying a new home is exciting and the process of financing it is now faster and easier than ever before. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home. Get free access to your credit report and score, and much more with our credit monitoring service available in online banking.
Cash-Out Refinances– Use the equity in your home for home improvements or to consolidate high interest debt. External Refinances – Do you have a mortgage with another lender?
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. 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. 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.
You are about to visit a site operated by a third party. The Credit Union does not provide and is not responsible for the product, service, overall website content, security, privacy policies or software downloads for any external third- party sites. 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. Home Equity Line Of Credit - 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.
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