• Home Lending

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    REFINANCING PROGRAMS 
    Refi nancing your mortgage may save you money on your monthly payment, if the current value of your home has increased. Visit AACreditUnion.org to fi nd out more about:
    • Refinancing Options: Do you have a mortgage with another lender? Our refi nance programs may be a better fi t.
    • Rate Modifications: If you currently have an American Airlines Credit Union Mortgage Loan, we may be able to change your interest rate or loan program for a low fee.
    • Streamline Refinance: This option can lower overall monthly payments, but is reserved for member-owners who currently have their mortgage with American Airlines Credit Union.
    HOME EQUITY LINE OF CREDIT 
    The equity in your home is a valuable resource, and we want to help you tap into it. Our Home Equity Lines of Credit can be used for many purposes, such as adding a room, buying a car or consolidating high-rate credit cards. You can even fi nance your children’s education.
    Access your fi xed or variable rate line of credit when you want it. This convenient account provides the fl exibility to borrow the amount you need when you need it.* Visit AACreditUnion.org or call a Consumer Loan Specialist for specifi c terms and conditions.
    We also offer HELOCs for non-owner occupied homes. Cash in on the equity in your investment, rental or second home with the help of this time- and moneysaving loan. With a fixed interest rate that may be lower than many unsecured types of credit, you can access the cash when you need it and cover expenses as they come up at irregular intervals.
    * Only one Home Equity Line of Credit is allowed in the state of Texas per year. The minimum draw amount is $4,000.
    For more information or to apply, visit us at HomeLoAAns.org. Or speak with a home loans representative at (800) 533-0035, Ext. 4201.

  • Personal Loans*

    LINE OF CREDIT 
    With many of the same functions as a credit card, a line of credit features a pre-approved, open-end revolving loan available with a variable interest rate.
    Payment amounts are based on a fiveyear payoff and are calculated from the date of the last advance.
    PERSONAL LOAN 
    This is a loan established for a predetermined period of time with specific loan payments. The rate is fixed for the term of the loan and maximum term is 72 months.**
    SHARE-SECURED LOAN 
    Obtain a loan at an attractive rate using the funds in your Savings Account (excluding your IRA) as collateral.
    SHARE CERTIFICATE LOAN
    Use the money in your Share Certificate (excluding your IRA) as security. The
    rate is fixed for the term of the loan. The maximum term cannot exceed the certificate’s maturity date.
    *All loans subject to credit approval. **Example: 72 monthly payments of $18.53 per $1,000 borrowed.
    CONSOLIDATION LOAN
    This assists in consolidating external debts into one loan for a set term with specific loan payments.
    STUDENT LENDING 
    Navigating the in-school and out-of-school lending journey can be confusing and costly. If you’re looking for private lending options, we may have just what you need.
    • In-School Lending Option An Education Line of Credit helps you manage tuition, books, board — all the expenses of secondary or private school, college and trade school.
    • Out-of-School Lending Option Refinance and Consolidation options help you combine your existing private and federal student loans after graduation into one manageable loan payment.
    For more information, visit AACreditUnion.org/ student-lending.