Fairwinds Credit Union
135 W Central Blvd, Suite 1220
Orlando, FL 32801
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2023 Overview
General Credit Union Information
Fairwinds is an NCUA insured institution located in Orlando, FL. It was founded in 1949 and has approximately $4567.25 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 / State-Chartered |
| Charter Number # | # 68417 |
| Date Established | 1949 |
| Assets | $4,567.25 million |
| Loans | $2,557.79 million |
| Deposits | $4,304.80 million |
| Capital | $396.83 million |
Field of Membership Restrictions
Deposit Rates - February 7, 2023
Your Current Location: Virginia, VA 20146
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.20% | $2,500 | $2,999 |
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|
|
Money Market
|
0.20% | $10,000 | $14,999 |
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|
|
Money Market
|
0.20% | $25,000 | $29,999 |
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|
|
Premium Money Market Account
|
0.75% | $10,000 | $14,999 |
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|
|
Premium Money Market Account
|
0.75% | $25,000 | $34,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.01% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.01% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.05% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - February 7, 2023
Your Current Location: Virginia, VA 20146
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 - Virginia 30 Year Fixed Mortgage Rates 2023
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
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|---|---|---|---|---|---|---|
NMLS ID: 3030 |
7.126% | 6.990% | 0.88 | $3,438 | $1,662 | Learn More |
NMLS ID: 6606 |
6.141% | 5.990% | 1.00 | $4,062 | $1,498 | Learn More |
NMLS ID: 3030 |
7.262% | 7.125% | 0.88 | $3,438 | $1,685 | Learn More |
NMLS ID: 1429243 |
5.585% | 5.500% | 1.00 | $2,352 | $1,420 | Learn More |
Featured - Virginia Home Equity Line Of Credit Rates 2023
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
6.740 %
|
$0 |
Learn More
More Info |
Note to FAIRWINDS
To upload and update your bank's rates please register.
It is free to register and add rates.
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:
Ashburn,Virginia
Climate Initiatives
FAIRWINDS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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 |
|---|---|
| 0.76% | 4.63 |
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 September 30, 2022, Fairwinds had $3,150,329 in non-current loans and $21,891 in owned assets. To cover these potential losses it had $396,828,015 in net worth and $18,985,231 in loans loss reserves. That gives it a Texas Ratio of 0.76%.
Net Worth
| Fairwinds | U.S. Average |
|---|---|
| 9.1% | 12.52% |
Fairwinds FCU has a net worth of 9.1% versus the BestCashCow average of 12.52. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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