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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 2015, FAIRWINDS provided:

$7,385,891 in direct financial benefits to our central florida members.

Mortgage Fees

Loan Rates

Savings Rates

Mortgage Fees

Comparative mortgage fees and closing costs.

$1,315 $1,361 (smaller bars are better) Mortgage Closing Costs Florida Banks FAIRWINDS

Loan Rates

3.73 4.49 10.15 3.44 2.89 3.53 4.43 17.51 15.99 2.15 2.81 9.23 3.00 3.00 3.63 4.68 11.28 12.34 60 monthnew car (smaller bars are better) Savings by Loan Type Florida Banks FAIRWINDS 48 monthused car home equity unsecured loan 5yr adj1st mortg 15yr fixed1st mortg 30yr fixed1st mortg credit card(classic) credit card(gold)

Savings Rates

0.18 0.25 0.26 0.45 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:

$50

per month on auto loans

$1,048

on mortgage savings

$538

on home, auto, and packaged insurance policies

$1,450

in savings when they use our realtor network

Source: Informa Research Services, NCUA, and CUNA