Loan Rates
Rates effective from: 01/15/2010
Rates are subject to change at anytime without notice.
Loan Rates 
|
| Loan Type |
Annual Percentage Rates (APR) |
Daily Periodic Rates |
| Auto Loans |
Auto Loan Rates |
| Business New vehicle, up to 60 months * † |
6.80% - 17.79% |
.02421% - .04873% |
| Business Used vehicle, up to 48 months * † |
7.40% - 18.00% |
.02326% - .04931% |
| New Motorcycle, up to 60 months * |
7.95% - 9.10% |
.02178% - .02493% |
| Used Motorcycle, up to 36 months * |
8.25% - 10.10% |
.02260% - .02767% |
| Boat up to 180 months * |
7.90% - 9.60% |
.02164% - .02630% |
| RV up to 144 months * |
7.95% - 10.10% |
.02178% - .02767% |
| Other collateral |
10.55% - 11.55% |
.02890% - .03164% |
| Personal Loan |
11.00% - 18.00% |
.03013% - .04931% |
| Variable Personal Line of Credit |
8.25% - 18% **** |
.0226% - .04931% |
| Deposit Secured ** |
Varies
|
Varies |
| Credit Cards ** |
Credit Card Rates |
| Home Equity ** |
Home Equity Rates |
APR = Annual Percentage Rate
* Approximate Term. Your actual rate will be based on your
credit quality, down payment, and actual term.
** No discounts are available on these loans. This variable rate language applies to Deposit Secured Loans (Share, Money Market and Certificate Secured sub-accounts). The ANNUAL PERCENTAGE RATE (APR) for variable rate deposit secured loans will be equal to a margin of 3% plus the current dividend rate. The APR will change, at anytime, when the dividend rate changes.
*** The maximum allowable rate is 18%. Variable Rate: 1% - 3% above 26-week T-Bill rate.
**** Variable Rate: 1.5% margins above Prime Rate Index not to exceed a rate of 18%.
† Titled in business name only or aggregate of $50K
Discounted Rate: Rate discounts for automatic payment from a FAIRWINDS checking account will increase by .25% in the event payment is discontinued from a FAIRWINDS checking account. Any increase in the rate will result in more payments of the same amount until what you owe has been repaid.
These current loan rates, effective 01/15/2010 are an addendum to your Loan liner agreement. The payment amount and due date of payments will be determined at the time of each advance and disclosed in the funds advance voucher. For real estate loan services, please call (407) 647-8252. For consumer loan services, please call (407) 277-5045 in Orlando or (800) 443-6887.
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