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New car loan rates as low as 1.95% with autopay discounts.
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FAIRWINDS rates as low as
1.95%
APR† New Car - 36 Mo
VS
National Average*
3.86%
APR† New Car - 36 Mo
$756 is the difference between the amount paid in interest between FAIRWINDS Credit Union's rate at 1.95% APR compared to 3.86% APR for the National market average over the life of a $25,000 auto loan over 36 months.
*Based upon independent research conducted by Datatrac for 132164 financial institution locations in the National market as of March 8, 2021.
†APR = Annual Percentage Rate
Vehicle Loan Rates Apply Now
Loan Term | New Car APR* | Used Car APR* |
---|---|---|
36 Month
How is this calculated
New 36 Month 1.95% (1.95% APR) at 36 months for a $20,000 loan would result in a monthly payment of $572.42. |
new auto rates starting at 1.95% |
used auto rates starting at 2.15% |
48 Month
How is this calculated
New 48 Month 2.50% (2.50% APR) at 48 months for a $20,000 loan would result in a monthly payment of $438.28. |
new auto rates starting at 2.50% |
used auto rates starting at 2.75% |
60 Month
How is this calculated
New 60 Month 2.90% (2.90% APR) at 60 months for a $20,000 loan would result in a monthly payment of $358.49. |
new auto rates starting at 2.90% |
used auto rates starting at 3.30% |
72 Month
How is this calculated
New 72 Month 3.25% (3.25% APR) at 72 months for a $20,000 loan would result in a monthly payment of $306.12. |
new auto rates starting at 3.25% |
used auto rates starting at 3.65% |
Want an even better auto loan rate? Enjoy a .25% APR* discount on your next auto loan when you have the FAIRWINDS Visa Signature® card. Learn More about our Visa Signature card. |
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*APR = Annual Percentage Rate Rates are current as of 03/01/2021. Your actual rate is based on your credit quality, down payment, loan term, and amount financed. Discounted Rate: Rates above include a .25% discount for automatic payment from a FAIRWINDS checking account. The rate will increase by .25% in the event payment is discontinued. Any increase in the rate will result in more payments of the same amount until what you owe has been repaid. Loans are subject to credit union membership eligibility, credit approval, and verification of information provided on the application. Other terms and conditions may apply. Terms and conditions subject to change at any time without prior notice. |
Tools and Resources

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Vehicle Loan Calculators
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How much is it worth?
Get current values and information on the car you’re looking to buy or the car you’re trading in.