Rates as of: 4/14/2014 - 4/20/2014

Account Type Interest Rate APY
Savings 0.05% 0.05%
Secondary Savings 0.05% 0.05%
Premium Holiday Savings 0.10% 0.10%
IRA Savings 0.25% 0.25%
$5K Savings 0.65% 0.65%
Interest Checking: Interest Rate APY
$.01 - $9,999 0.01% 0.01%
$10,000 - $24,999 0.02% 0.02%
$25,000 - $49,999 0.02% 0.02%
$50,000 + 0.03% 0.03%
Health Savings Account: Interest Rate APY
$.01 - $2,999 0.10% 0.10%
$3,000 - $4,999 0.15% 0.15%
$5,000 - $9,999 0.20% 0.20%
$10,000 + 0.25% 0.25%
Money Market: Interest Rate APY
$.01 - $2,499 0.00% 0.00%
$2,500 - $9,999 0.05% 0.05%
$10,000 - $24,999 0.10% 0.10%
$25,000 - $49,999 0.15% 0.15%
$50,000 - $99,999 0.15% 0.15%
$100,000 + 0.20% 0.20%
Premium Money Market: Interest Rate APY
$.01 - $9,999 0.00% 0.00%
$10,000 - $49,999 0.20% 0.20%
$50,000 - $99,999 0.25% 0.25%
$100,000 - $249,999 0.30% 0.30%
$250,000 - $999,999 0.30% 0.30%
$1,000,000 + 0.30% 0.30%
Certificate of Deposit
(Regular and IRA)
APY Relationship Rewards
Point cost based on
amount and term of certificate.
APY with .25% bonus APY with .50% bonus Point cost for .50% bonus on $10,000
3 month 0.20% 0.45% 0.70% 313 Points
6 month 0.30% 0.55% 0.80% 625 Points
12 month 0.40% 0.65% 0.90% 1,250 Points
24 month 0.60% 0.85% 1.11% 2,500 Points
36 month 0.80% 1.06% 1.31% 3,750 Points
48 month 1.01% 1.26% 1.51% 5,000 Points
60 month 1.21% 1.46% 1.71% 6,250 Points
$500 - 10 month 0.35% 0.60% 0.85% How many REWARDS points will I need?
CALCULATOR
 

APY: Annual Percentage Yield
Early withdrawal is subject to penalty.


Real Estate Loans
Loan Type Rate
First Mortgage First mortgage rates are quoted daily.
Click here for an online rate quote.
Home Equity Click here for home equity rates.
Automobile Loans
The rates published below are ranges. Your actual rate is based on your credit quality, down payment, loan term, and amount financed.
  Annual Percentage Rate
(APR)
Relationship Rewards
(with AutoPay)
APR with 2,500 RR
Points
APR with 5,000 RR
Points
New Vehicle Starting at
2.03%
Starting at
1.78%
Starting at
1.53%
Used Vehicle Starting at
2.18%
Starting at
1.93%
Starting at
1.68%
Other Collateral Loans
Loan Type Annual Percentage Rate
(APR)
Relationship Rewards
(with AutoPay)
APR with 2,500 RR
Points
APR with 5,000 RR
Points
New Motorcycle Starting at
6.80%
Starting at
6.55%
Starting at
6.30%
Used Motorcycle Starting at
7.10%
Starting at
6.85%
Starting at
6.60%
New RV Starting at
5.80%
Starting at
5.55%
Starting at
5.30%
Used RV Starting at
6.10%
Starting at
5.85%
Starting at
5.60%
New Boat Starting at
5.80%
Starting at
5.55%
Starting at
5.30%
Used Boat Starting at
6.10%
Starting at
5.85%
Starting at
5.60%
Unsecured Loans
Loan Type Annual Percentage Rate (APR) Relationship Rewards
APR with 2,500 RR
Points
APR with 5,000 RR
Points
G.O.O.D. Loan
(Get Out Of Debt)
Starting at
7.74%
Starting at
7.49%
Starting at
7.24%
Personal Loan Starting at
8.64%
Starting at
8.39%
Starting at
8.14%
Unsecured Loans
Loan Type Annual Percentage Rate (APR) Relationship Rewards
APR with 2,500 RR
Points
APR with 5,000 RR
Points
Variable Personal Line of Credit * Starting at
8.64%
Starting at
8.39%
Starting at
8.14%
* Variable Rate: 1.5% margins above Prime Rate Index not to exceed a rate of 18%. Subject to increase after closing. These current loan rates, effective 4/01/2014 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.
Deposit Secured Loans
Loan Type Annual Percentage Rate (APR) Relationship Rewards
APR with 2,500 RR
Points
APR with 5,000 RR
Points
Credit Builder 18.00% No discount No discount

APR = Annual Percentage Rate

Your actual rate is based on your credit quality, down payment, loan term, and amount financed.

* Variable Rate: 1.5% margins above Prime Rate Index not to exceed a rate of 18%.

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.

A loan processing fee will be charged on all loans except real estate loans. The fee is 2% of the loan amount issued with a minimum fee of $10 and a maximum fee of $45. This loan processing fee will affect the APR shown.

Rates are current as of 4/01/2014.

Other terms and conditions may apply. Terms and conditions subject to change at any time without prior notice.


Rates as of: 4/14/2014 - 4/20/2014

Account Type Interest Rate APY
Checking 0.00% 0.00%
Savings 0.05% 0.05%
Secondary Savings 0.05% 0.05%
Business
Money Market
Interest Rate APY
$.01 - $4,999 0.00% 0.00%
$5,000 - $9,999 0.00% 0.00%
$10,000 - $24,999 0.05% 0.05%
$25,000 - $49,999 0.10% 0.10%
$50,000 - $99,999 0.10% 0.10%
$100,000 + 0.10% 0.10%
Non-Profit Business
Money Market
Interest Rate APY
$.01 - $4,999 0.00% 0.00%
$5,000 - $9,999 0.05% 0.05%
$10,000 - $24,999 0.10% 0.10%
$25,000 - $49,999 0.15% 0.15%
$50,000 - $99,999 0.15% 0.15%
$100,000 + 0.15% 0.15%
Premium Business
Money Market
Interest Rate APY
$.01 - $49,999 0.00% 0.00%
$50,000 - $249,999 0.10% 0.10%
$250,000 - $999,999 0.10% 0.10%
$1,000,000 - $2,499,999 0.15% 0.15%
$2,500,000 + 0.15% 0.15%
Business
Certificate of Deposit:
Interest Rate APY
3 month 0.10% 0.10%
6 month 0.10% 0.10%
12 month 0.20% 0.20%
24 month 0.40% 0.40%
36 month 0.60% 0.60%
48 month 0.80% 0.80%
60 month 1.00% 1.01%

APY: Annual Percentage Yield
Early withdrawal is subject to penalty.

Loan Type Annual Percentage Rates (APR) Daily Periodic 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%

APR = Annual Percentage Rate

Your actual rate and term is based on your credit quality, down payment, loan term, and amount financed.

Rates are current as of 4/01/2014. The payment amount and due date of payments will be determined at the time of each advance and disclosed in the funds advance voucher.