Fairwinds Credit Union - Nationwide Branches

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Branch	Address	View Lobby Hours
Red Bug Branch	8305 Red Bug Lake Road, Oviedo, FL 32765	View Lobby Hours
Winter Park/Goldenrod Branch	7250 Aloma Avenue, Winter Park, FL 32789	View Lobby Hours
Longwood Branch	410 South Myrtle Street, Longwood, FL 32750	View Lobby Hours
Citizens Bank Of Florida	156 Geneva Drive, Oviedo, FL 32765	View Lobby Hours
Courier Service Branch	156 Geneva Drive, Oviedo, FL 32765	View Lobby Hours
Sanford Branch	413 West 1st Street, Sanford, FL 32771	View Lobby Hours
Sanford	261 E Airport Blvd, Sanford, FL 32773	View Lobby Hours
Universal Studios	1000 Universal Studios Plz, Orlando, FL 32819	View Lobby Hours
Lake Forest	5020 W State Road 46, Sanford, FL 32771	View Lobby Hours
Baldwin Park	1801 Prospect Ave, Orlando, FL 32803	View Lobby Hours
Waterford Lakes	306 N Alafaya Trl, Orlando, FL 32828	View Lobby Hours
UCF Branch	4000 Central Florida Blvd, Orlando, FL 32816	View Lobby Hours
Deltona	111 Howland Blvd, Deltona, FL 32738	View Lobby Hours
Altamonte Springs	150 Cranes Roost Blvd Ste 1230, Altamonte Springs, FL 32701	View Lobby Hours
Longwood	800 E State Road 434, Longwood, FL 32750	View Lobby Hours
Leesburg	27414 US Highway 27, Leesburg, FL 34748	View Lobby Hours
Lake Mary	2879 W Lake Mary Blvd, Lake Mary, FL 32746	View Lobby Hours
Lady Lake	870 N US Highway 441, Lady Lake, FL 32159	View Lobby Hours
Kissimmee	1319 E Osceola Pkwy Ste D, Kissimmee, FL 34744	View Lobby Hours
Fern Park	134 Fernwood Blvd, Fern Park, FL 32730	View Lobby Hours
College Park	1402 Edgewater Dr, Orlando, FL 32804	View Lobby Hours
Dr Phillips	7541 W Sand Lake Rd Ste B, Orlando, FL 32819	View Lobby Hours
Deland	136 S Woodland Blvd, Deland, FL 32720	View Lobby Hours
Maitland	453 S Orlando Ave, Maitland, FL 32751	View Lobby Hours
Apopka	1621 S Orange Blossom Trl, Apopka, FL 32703	View Lobby Hours
Oviedo	1425 E Mitchell Hammock Rd, Oviedo, FL 32765	View Lobby Hours
Avalon Park	12800 Tanja King Blvd, Orlando, FL 32828	View Lobby Hours
Clermont	1380 S Grand Hwy, Clermont, FL 34711	View Lobby Hours
Mt Dora/Eustis	18415 US Highway 441, Mount Dora, FL 32757	View Lobby Hours
Metrowest	5875 Arnold Palmer Dr, Orlando, FL 32835	View Lobby Hours
Oviedo	77 Geneva Dr, Oviedo, FL 32765	View Lobby Hours
Sand Lake	2475 Sand Lake Rd, Orlando, FL 32809	View Lobby Hours
Four Corners	742 Cagan View Rd, Clermont, FL 34714	View Lobby Hours
South Semoran	2375 S Semoran Blvd, Orlando, FL 32822	View Lobby Hours
St Cloud	2975 E Irlo Bronson Memorial Hwy, Kissimmee, FL 34744	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 6606	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 292473	5.769%	5.625%	1.00	$5,083	$1,843	Learn More
NMLS ID: 2620106 License#: MC-7931	5.841%	5.750%	0.63	$3,270	$1,868	Learn More
NMLS ID: 1701910	5.873%	5.750%	0.88	$4,290	$1,868	Learn More

See More Mortgage Rates →

Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Reliant Home Funding, Inc See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.60% - 14.15*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(The advertised APR includes enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Consumers wishing to file a complaint against a mortgage company or a licensed residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage company. Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Evolve to Excel: We need to adapt and improve to succeed
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Four Leaf Federal Credit Union See Table	Intro APR 5.990 % After Intro: 7.250 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

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