FAIRWINDS

135 W CENTRAL BLVD, SUITE 1220
Orlando, FL 32801

Notable Rates	APY	Vs.Others
Savings	0.10%	2.20% →
1-Year CD	0.70%	2.20% →
2-Year CD	0.90%	2.20% →
5-Year CD	1.61%	2.60% →
30-Year Mortgage	N.A.	3.31% →
15-Year Mortgage	N.A.	2.77% →
HELOC	N.A.	4.00% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Financial Details
FAQs
Reviews

2020 Overview

General Credit Union Information

Fairwinds is an NCUA insured institution located in Orlando, FL. It was founded in 1949 and has approximately $2449.71 millions in assets.

Who can join?

Anyone living or working, and businesses located in Orange, Seminole, Volusia, Osceola, Polk, Brevard or Lake counties can open an account with Fairwinds. Accounts are also available to immediate family of members who live outside the seven eligible counties.


NCUA Insured	Yes
Charter Number #	# 68417
Date Established	1949
Assets	$2,449.71 million
Loans	$1,771.97 million
Deposits	$2,138.57 million
Capital	$274.31 million

Field of Membership Restrictions

Membership in Fairwinds Credit Union is open to those who live or work in Orange, Seminole, Volusia, Osceola, Polk, Brevard or Lake Counties in Florida and to faculty, staff, students, and alumni of the University of Central Florida.

Deposit Rates - February 25, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
Savings	0.10%	$50	-	Learn MoreShow Less
Money Market	0.25%	$10,000	$49,999	Learn MoreShow Less

Fixed IRA Rates	APY	MIN	MAX
Fixed IRA	0.70%	$1,000	-	Learn MoreShow Less

CD Rates (Share Certificate Rates)	APY	MIN	MAX
3 Mo CD	0.45%	$1,000	-	Learn MoreShow Less
6 Mo CD	0.55%	$1,000	-	Learn MoreShow Less
Special: 7 Mo CD	1.77%	$1,000	-	Learn MoreShow Less
12 Mo CD	0.70%	$1,000	-	Learn MoreShow Less
24 Mo CD	0.90%	$1,000	-	Learn MoreShow Less
36 Mo CD	1.16%	$1,000	-	Learn MoreShow Less
48 Mo CD	1.41%	$1,000	-	Learn MoreShow Less
60 Mo CD	1.61%	$1,000	-	Learn MoreShow Less

Variable IRA Rates	APY	MIN	MAX
Var IRA	0.30%	$1	-	Learn MoreShow Less

Int Checking Rates	APY	MIN	MAX
Int Ckg	0.20%	$1	$9,999	Learn MoreShow Less

Loan Rates - February 25, 2020

Get Loan Offers

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for FAIRWINDS

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 3030	4.793%	4.750%	0.00	$1,250	$1,305	Learn More
NMLS ID: 2890 License#: 13256	3.159%	3.125%	0.38	$1,085	$1,071	Learn More
NMLS ID: 3030	4.919%	4.875%	0.00	$1,250	$1,324	Learn More

See More Mortgage Rates →

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender	APR (%)^?	Monthly Payment^?	Learn More
Eastern Bank	4.250 %	$25,000	Learn More More Info
APR is variable and based on the Prime Rate (Prime) published in the Wall Street Journal (4.75% as of 12/1/2019) minus 0.50% adjusted each billing cycle. To receive the lowest rate, Eastern Bank requires a minimum draw of $25,000 and establishing automatic payments from an Eastern Bank Personal Checking Account. Minimum APR is 3.99%. Maximum APR is 18%. Minimum line amount is $10,000 and maximum line amount is $2,500,000. Subject to credit application and approval. Rates are subject to change. Simple online applications means you can apply anywhere. Ability to convert your variable rate into as many as five fixed-rate loans. Easy access to funds through your phone or online.
Figure Home Equity Line	0.000 %	$0	Learn More More Info
Our APRs start at 4.99% for the most qualified applicants and are higher for other applicants. For example, for a borrower with a CLTV of 45% and a credit score of 800, a five-year Figure Home Equity Line with an initial draw amount of $50,000 would have a fixed annual percentage rate (APR) of 4.99% and a 3.00% origination fee. Your total loan amount would be $51,500. Origination fees range from 0-4.99% of your initial draw depending on your credit score and the state in which your property is located. The advertised rate is available only to borrowers using primary residences as collateral. Your actual rate will depend on many factors such as your credit, combined loan to value ratio, loan term and occupancy status. The advertised APR includes an autopay discount of 0.75%. APRs start at 5.74% for customers that do not opt in to autopay. Low fixed loan rate. Borrow $15,000-$150,000. Approvals in 5 minutes, funding in as few as 5 days No appraisal fee. No maintenance fee. No pre-payment fee. No late fee. Get approved in 5 minutes. Funded in as little as 5 days.
Bethpage Federal Credit Union	Intro APR 3.990 % After Intro: 5.000 % Intro Period: 12 months	$25,000	Learn More More Info
Home Equity rates and terms are subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. Loan-to-value restrictions apply. Hazard insurance is required on all loans secured by real property; flood insurance may also be required. No closing costs on new HELOCs up to $500,000. The borrower will have an increased APR rate if the borrower does not (i) take an advance of $25,000 and maintain this balance for 12 months, and (ii) have automatic transfers from any Bethpage personal savings or checking account for the monthly HELOC payment. Published rates and terms based on primary homes. Home Equities not offered in TX. $5.00 minimum share account required. Membership conditions apply. APR Fixed for One Year Prime Rate for Life, Thereafter Prime Rate as of 1/22/2019 = 5.50% (Wall Street Journal). Floor APR=3.25%.
People's United Bank, N.A.	5.000 %	$0	Learn More More Info
Rates and terms are subject to change without notice. Applications are subject to credit approval. The Annual Percentage Rate (“APR”) is a variable rate and is established based on an Index PLUS or MINUS a margin. The Index is the highest United States Prime Rate as published in the Eastern Edition of The Wall Street Journal ("Prime Rate") on the last business day before the start of each month’s billing cycle. The minimum APR is 3.50%. The maximum APR is 18.00%. The rates shown reflect a 1-to 2 unit owner occupied primary residence, including condominiums. Receive a .25% percentage point rate discount if you choose to make your payment using auto debit from a People’s United checking account. Other terms and conditions may apply. There is a $75 annual fee, which is waived for qualified People’s United Bank checking accounts. There is a prepayment penalty fee of $500 if you close your account within two (2) years after the date of your Note. If the Note is secured by property located in the State of New York, borrower(s) must also pay People’s United Bank back the mortgage tax paid by the Bank at the time of the origination of the Note . Home Equity Lines of Credit are available only for 1 - 4 unit owner occupied primary residences, 1 unit second homes and condominiums in Connecticut, Massachusetts, Maine, Vermont, New Hampshire and select counties in the state of New York and are not available on cooperatives or properties listed for sale. The Home Equity Line of Credit has a minimum line amount of $25,000 and a maximum line amount of $750,000. Property insurance is required. Flood insurance may be required. People’s United Bank, N.A. Member FDIC Equal Housing Lender NMLS#464603 No appliction fee, no origination fee and no closing costs Pay interest only during the 9.5 year draw period Over 175 years of exceeding customer expectations Fast and easy online application - apply today
Third Federal Savings and Loans	3.740 %	$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

See More Home Equity Rates →

Note to FAIRWINDS
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Branches

Below are Fairwinds branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut

Fairwinds Locations

Financial Details

Fairwinds Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Fairwinds. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Fairwinds	U.S. Average
1.78%	5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Fairwinds had $4,096,089 in non-current loans and $992,876 in owned assets. To cover these potential losses it had $274,306,854 in net worth and $12,130,209 in loans loss reserves. That gives it a Texas Ratio of 1.78%.

Net Worth

Fairwinds	U.S. Average
11.63%	13.65%

Fairwinds FCU has a net worth of 11.63% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Fairwinds

Branches and Savings

What is Fairwinds?

A federal credit union, registered with the NCUA under certificate #68417.
Learn more about credit unions here.

FAIRWINDS

2020 Overview

General Credit Union Information

Field of Membership Restrictions

Deposit Rates - February 25, 2020

Loan Rates - February 25, 2020

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Branches

Fairwinds Locations

Financial Details

Fairwinds Ratio Analysis

Texas Ratio

Net Worth

Frequently Asked Questions About Fairwinds

Branches and Savings

What is Fairwinds?

Is Fairwinds FDIC insured?

Who can join Fairwinds?

What are Fairwinds's share account and share certificate rates?

How big is Fairwinds?

Who owns Fairwinds?

Where are Fairwinds branches located?

Are Fairwinds ATMs Open 24/7?

Do Fairwinds ATMs accept cash deposits?

Can Fairwinds customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Fairwinds have a mobile app?

Does Fairwinds have mobile deposit?

Does Fairwinds have quick pay?

How can Fairwinds transfer money to other banks or credit unions?

Does Fairwinds report to credit bureaus?

Does Fairwinds use Chexsystems?

Does Fairwinds use Equifax?

What is Fairwinds's toll free phone number?

What is Fairwinds's ACH Routing Number?

What is Fairwinds's SWIFT code?

Where can I find Fairwinds's wire transfer form?

What is the Fairwinds address for deposits?

What Products Does Fairwinds Offer

Does Fairwinds offer mortgages?

Does Fairwinds offer home equity lines of credit and home equity loans?

Does Fairwinds offer auto and RV loans?

Does Fairwinds offer student loans or personal loans?

Customer Reviews for Fairwinds