PILOT LOAN REFINANCE
Bring your flight school loan(s) in for a landing with low rates and flexible repayment terms.
Fly High, Pay Less
Receive $500 cash back* and no payment for 90 days** when you refinance your flight school¹ loans.
REFINANCE YOUR PILOT TRAINING
Our pilot loan refinance¹ is designed to help pilots who have obtained their license and are still paying for their flight training. We can also help with flexible repayment options.
LOAN FEATURES
Find out if a refinance can lower your monthly payment.
- Loan amounts up to $125,000²
- Loan terms up to 15 years
- Low rates with 0.25% annual percentage rate discount for automated payments.
- No application or origination fees
- Early or extra payments accepted anytime without any penalty or fee
- Cosigner allowed
- Learn more
Loan requirements:
- This may only be used to refinance pilot education expenses.
- A Commercial Pilot License (CPL) or Airline Transport Pilot License (ATPL) is required.
To get started:
- Become a member if you haven’t already.
- Apply for a loan.
ADDITIONAL AIRLINE EMPLOYEE LOANS
Whether you’re just getting started as a new employee, a seasoned veteran with years of service or an aviation enthusiast, we have a loan that's made for you.
We offer specialized loans such as:
- Airplane loans
- Travel-friendly credit cards
MEMBERSHIP BENEFITS
In addition to loans, Credit Union membership comes with a variety of benefits you can take advantage of whether you're at home or traveling.
Complimentary financial wellness solutions
- Credit score and credit monitoring
- Financial wellness check-ups
- Financial planning
- Webinars on topics such as auto financing, home loans, and planning
- The Navigator³, an online, interactive guide to help you gain knowledge and direct your financial path.
Convenience banking on the go
- Download the mobile app♦ and access your account, find a nearby ATM or deposit checks from wherever you are with our mobile app.
- Access more than 85,000 domestic and international ATMs
LOAN FEATURES
Find out if a refinance can lower your monthly payment.
- Loan amounts up to $125,000²
- Loan terms up to 15 years
- Low rates with 0.25% annual percentage rate discount for automated payments.
- No application or origination fees
- Early or extra payments accepted anytime without any penalty or fee
- Cosigner allowed
- Learn more
Loan requirements:
- This may only be used to refinance pilot education expenses.
- A Commercial Pilot License (CPL) or Airline Transport Pilot License (ATPL) is required.
To get started:
- Become a member if you haven’t already.
- Apply for a loan.
ADDITIONAL AIRLINE EMPLOYEE LOANS
Whether you’re just getting started as a new employee, a seasoned veteran with years of service or an aviation enthusiast, we have a loan that's made for you.
We offer specialized loans such as:
- Airplane loans
- Travel-friendly credit cards
MEMBERSHIP BENEFITS
In addition to loans, Credit Union membership comes with a variety of benefits you can take advantage of whether you're at home or traveling.
Complimentary financial wellness solutions
- Credit score and credit monitoring
- Financial wellness check-ups
- Financial planning
- Webinars on topics such as auto financing, home loans, and planning
- The Navigator³, an online, interactive guide to help you gain knowledge and direct your financial path.
Convenience banking on the go
- Download the mobile app♦ and access your account, find a nearby ATM or deposit checks from wherever you are with our mobile app.
- Access more than 85,000 domestic and international ATMs
Committed to Your Financial Wellness
Committed to Your Financial Wellness
Mobile & Digital Services
We understand your on-the-go account access needs.
Mobile Apps
Our mobile apps offer a number of convenient services, including mobile check deposit, bill pay, credit score monitoring, personal financial management tools and more!
GET THE APPS♦
- Apple Watch – To turn on, simply log into our mobile app and select “Apple Watch” under “Settings” in the left-hand menu.
♦ Message and data rates may apply. Check with your mobile provider.
Apple Watch is trademark of Apple Inc.
Google Play is a registered trademarks of Google LLC.
Digital Wallet
Add your Credit Union debit and credit cards to your enabled device to make secure payments and simplify your checkout experience with a variety of digital payment options.
Apple Pay and Apple Watch are trademarks of Apple Inc.
Samsung Pay is a registered trademark of Samsung Electronics Co. Ltd.
Google Pay and Google Play are registered trademarks of Google LLC.
Visa is a registered trademark of Visa International Service Association. The EMV® SRC payment icon, consisting of a pentagon design oriented on its side with a stylized depiction of a fast forward symbol on the right, formed by a continuous line, is a trademark owned by and used with permission of EMVCo, LLC.
Financial Management Tools
Our budget and finances feature allows our members to track their spending with a fully interactive, real-time updating dashboard that loads existing Credit Union accounts while allowing the addition of accounts from other financial institutions. Within your online banking account you have access to two tools that help you keep your finances on track:
- Personal Finance Manager and Credit Monitoring.
MARKETPLACE
With our one-stop shop for financial apps, you can select from a set of third-party apps to help you run your business, pay down loans fast, donate to charities and much more – all in one convenient location.
Please note: Fees and qualifications vary by app.
Apps include:
- Autobooks Small business owners can simplify their books, manage cash flow and access the necessary reports.
- Changed Borrowers can pay down debt with spare change to save time and money and reach their goals sooner.
- Givio Individuals can donate to more than 1.6 million 501(c)3 nonprofits – or support a cause from a list of local nonprofits – directly from their bank account.
- OneDigitalTrust Users of this estate- and inheritance-planning platform can create legal documents, including wills, living trusts, healthcare and financial powers of attorney and others.
- Trustworthy® Successful modern families can collaborate with loved ones and advisors to protect and organize their most important information. Secure items like family IDs, money, property, passwords, insurance, tax records, estate documents, contacts, and more – all in one place.
To register: Use a browser to log into online banking and select “Marketplace” to get started. Your Marketplace apps can be managed through the Credit Union app♦ after completing registration on a browser.
American Airlines Credit Union does not assume any responsibility or liability for any purchases or promotions made by a third party
♦ Message and data rates may apply. Check with your mobile provider.
* To qualify, the loan application must be started between 03/01/2025 and 06/01/2025. Upon approval and disbursement of your refinance loan, the primary borrower will receive a cash deposit of $500. The cash deposit will be awarded in the form of a deposit to your credit union checking or savings account within 90 business days from the funding date of the loan. The primary borrower must be a credit union member in good standing at the time of deposit. Limit one cash award per borrower. The credit union reserves the right to modify the terms of this offer at any point in the future for new applications. Recipient is responsible for any applicable federal, state, or local taxes associated with receiving the cash deposit; consult your tax advisor to determine applicable tax consequences.
** To qualify, the loan application must be started between 03/01/2025 and 06/01/2025 and the selected repayment term must be 10 years or less. Upon disbursement of your refinance loan, no payments will be required, and no interest will accrue during a three-month promotional period. After this three-month promotional period ends, this loan requires full payments of principal and interest. The credit union reserves the right to modify the terms of this offer at any point in the future for new applications.
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.
² Student loans and underwriting is made available through American Airlines Credit Union. Application processing provided by Student Choice and loan servicing and repayment programs provided by University Accounting Service, LLC.
³ The Navigator is powered by Enrich.
♦ Message and data rates may apply. Check with your mobile provider.
