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Credit Unions, which are not-for-profit, provide financial benefits to members through lower loan rates, higher savings rates, and fewer fees than banking institutions. In 2018, FAIRWINDS provided:

$16,069,228 in direct financial benefits to our Central Florida members*.

Mortgage Fees

Comparative mortgage fees and closing costs.

$1,330 $1,361 (smaller bars are better) Mortgage Closing Costs Florida Banks FAIRWINDS

Loan Rates

60 month new car (smaller bars are better) Savings by Loan Type Florida Banks FAIRWINDS 48 month used car home equity unsecured loan 5yr adj 1st mortg 15yr fixed 1st mortg 30yr fixed 1st mortg credit card (classic) credit card (gold) 3.82 4.44 10.05 3.75 3.58 4.23 4.5 16.51 15.15 2.15 2.81 8.74 3.5 3.56 4.35 3.77 11.96 11.85

Savings Rates

0.19 0.30 0.29 0.55 0.08 0.05 Florida Banks FAIRWINDS Retirement (IRA) Accounts 1 Year certificate $10,000 balance Regular savings, $1,000 balance (larger bars are better) Savings by Account Type

Let's break it down.

On average, FAIRWINDS members save more:


per month on auto loans


on mortgage savings


on home, auto, and packaged insurance policies


in savings when they use our realtor network

*Source: Informa Research Services, NCUA, and CUNA