AERO Federal Credit Union is federally insured by the National Credit Union Administration and is an Equal Housing Opportunity Lender. Membership eligibility is required. See the credit union for details regarding applicable fees, terms, and membership eligibility requirements. Actual rates may vary depending on the term of the loan, amount financed, and personal credit history. All loans are subject to credit approval.
*Rates as low as. Interest rate available on purchase and refinance loans and are valid on primary residences and second homes only. AERO Federal Credit Union’s rates are determined weekly and are subject to change and are subject to qualification. Rates are based off 30-year mortgage par pricing. Certain restrictions apply; restrictions may include property type, occupancy status, and credit qualifications. Contact AERO Federal Credit Union for full eligibility requirements. To qualify AERO’s rate, you must be qualified for financing by AERO Federal Credit Union's portfolio loan standards. The offer does not apply to loans sold on the secondary market or for FHA, VA, or USDA mortgages.
Terms & Conditions & Eligibility: Available only for conventional conforming loans underwritten to AERO Federal Credit Union portfolio guidelines. Borrowers must meet credit, income, and property requirements. Rate Lock: The rate must be locked within 90 days of receipt of the application for qualified applicants.
Other Costs: Unless otherwise specified, this promotion does not apply to origination fees, closing costs, or discount points. Borrowers remain responsible for standard closing costs.
APR Disclosure: Your Annual Percentage Rate (APR) may vary based on your specific loan terms, loan amount, credit profile, and closing costs. For instance, if you take out a $300,000 loan, 30-year term with 20% down, at an interest rate of 6.00%, and your total closing costs amount to $5,000, your APR might be approximately 6.15%. Monthly payments would be approximately $1,798.65 not including taxes and insurance, which will increase the actual payment obligation. This calculation includes the interest rate, and any additional fees or costs associated with the loan.
**Discounted Origination Fees: As part of this mortgage loan offer, you can receive a 0.50% discount on the standard loan origination fee. Standard Origination Fee: 1.00% of the loan amount. Discounted Origination Fee: 0.50% of the loan amount. Example: On a $300,000 loan, the origination fee would typically be $3,000. With the 0.50% discount, your fee would be $1,500. This offer is eligible for approved portfolio loans not sold on the secondary market and valid on applications received between 6/2/2025-12/31/2025.
This discount applies only to the origination fee charged by AERO Federal Credit Union. This discount does not affect third-party fees (such as appraisal, title, document, escrow or any other fee not considered an origination fee). The discount may be contingent upon meeting certain eligibility criteria, such as applying by a specific date or meeting certain credit and underwriting qualifications. This discount will be reflected in your Loan Estimate (LE) and Closing Disclosure (CD) forms provided during the mortgage process. This is not a commitment to lend. All loans are subject to credit and underwriting approval.
Additional Disclosures: Offer subject to change or withdrawal at any time without notice. This promotion cannot be combined with other rate promotions or lender credits. All loans are subject to credit approval and standard underwriting guidelines. This promotion is not a commitment to lend. Please refer to your official Loan Estimate (LE) and Closing Disclosure (CD) for final rate, terms, and fees.
Must be a current member in good standing to be eligible. Pre-qualifications are valid for 120 days. Certain ongoing credit underwriting standards will apply. Must be at least 18 years old to apply. Your actual terms and payment will be provided upon acceptance of an AERO Federal Credit Union loan.
The financial calculators provided are for informational purposes only, and their use does not guarantee an extension of credit. Calculations do not constitute a quote or guarantee of credit terms.
AERO Federal Credit Union is an Equal Housing Lender; NMLS #405587.
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