FAIRWINDS Credit Union July 2010 ADVOCATE for Members
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Are You Refinance Savvy?

With more consumers looking for ways to reduce expenses or save money on interest, auto refinancing may be a great opportunity to give your budget a break or lower the interest you pay the bank. But how much do you know about refinancing? Take a moment and review the following guidelines to help you decide if refinancing is the right choice for you. 

Weigh the pros and cons.  Consumers can save hundreds, even thousands of dollars by refinancing.  But make sure you do all of the math first. If you’re looking to reduce your interest rate by refinancing at a lower rate over the remaining term, the monthly payment decrease may not be significant but the interest you save over the life of the loan can add up to a lot. If you’re looking to increase your monthly cashflow by reducing your monthly loan payment significantly, refinancing by extending the term of your loan may increase the interest you pay over the life of the loan but will add more money in your pocket each month.  Every refinance is unique. That’s why we encourage you to talk with one of our loan experts to ensure you are receiving the most value and savings.

Do your homework.  If you’re shopping for the lowest interest rate, make sure you also research the cost of refinancing fees. The savings on a low interest rate can be easily washed out with unexpected charges and fees.  Ask for a complete breakdown of all costs while you’re shopping.

It’s simple.  Applying for an auto loan refinance with FAIRWINDS takes less than 10 minutes. 

Limited Time Offer
Don’t forget, you still have time to receive a $100 cash bonus when you refinance your vehicle from another financial institution. Hurry… this offer ends July 31!

*$100 cash back offer expires July 31, 2010 and is subject to change at any time. Click here for terms and conditions.

FAIRWINDS 10-Year Mortgage Solutions

Whether you’re looking to buy new or refinance, a 10-year mortgage can help you save more in the long-run with rates as low as 3.62% APR.* The shorter your term, the less interest you pay.

If you are in the market to purchase, be sure to learn about our FAIRWINDS owned properties for sale. You can save even more than you imagined simply by purchasing your home through FAIRWINDS.

*APR = Annual Percentage Rate. Rate shown as of July 14, 2010 and is subject to change at any time.

shredfestShred Fest at Oviedo

Saturday, July 24

FAIRWINDS Oviedo Branch
77 Geneva Drive
Oviedo, FL 32765
9:00 a.m. - 1:00 p.m.

Protect yourself from identity theft by safely destroying your personal documents and papers in our shred truck, courtesy of Crown Shredding.

Click here to see all of the Shred Fest dates and locations for 2010. We may be coming to your neighborhood soon!

"Homebuyers Workshop"

Saturday, August 28

FAIRWINDS Corporate Center
3087 N. Alafaya Trail
Orlando, FL 32826
9:00 a.m. - 12:00 p.m.

Thinking about purchasing a home?  How can you best prepare for the homebuying process?  Please join us at this special complimentary workshop designed for homebuyers. Area professionals will share their expertise on topics including: understanding your credit report, homeowners insurance, appraisal and home inspection process, what to expect at closing, and much more. Plus, FAIRWINDS’ lending experts will provide you with techniques and strategies to help improve your credit score.

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