For a limited time, experience the ultimate in savings
    0.89% APR* for 36 months on 2014 (or newer) vehicles.
    Plus, enjoy no payments for 90 days!

    Refinance
    When you refinance your 2014 (or newer) vehicle from another financial institution.

    Purchase
    When you purchase a 2014 (or newer) vehicle from the FAIRWINDS Car Concierge service.

    Hurry!
    This offer won't last long.

    Top 3 Reasons Why People Choose a 36-Month Auto Loan:

    1. Lower monthly payments ≠ saving money.
      Lower payments are nice, but the fact is that the longer your loan term is, the more money you lose to interest.
    2. Your car is not an investment – so don’t treat it like one.
      Why continue to pay more in interest for something that depreciates the second you drive it off the lot?
    3. Being upside down is fun on a roller coaster – not so much fun on a loan.
      Owing money can be a source of financial stress, especially when you owe more than what the car is actually worth. While it may take some extra work and careful budgeting, a 36-month term can help you breathe easier faster, avoiding the pitfalls of being upside down.

    Autopay from a FAIRWINDS Checking account is required. This offer is not valid at the dealership. New purchases must be made through the FAIRWINDS Car Concierge in order to qualify. No other discounts or special offers can be applied. Certain terms and restrictions apply. Offer subject to change at any time.

    *APR = Annual Percentage Rate. 0.75% (0.89% APR) at 36 months for a $20,000 loan would result in a monthly payment of $568.


    Cars aren't the only thing that come with options. An auto loan at FAIRWINDS has options too.

    36 Month New Car Loan
    $20,000 @ .75% (.89% APR)
    Monthly Payment: $568
    Interest Paid: $232

    Pros:
    Shorter term, you'll pay less in interest, have a shorter negative equity position and you're not financing a vehicle out of a typical 36 month factory warranty period.

    Cons:
    Have a larger monthly payment.

    Recommendation:
    The typical car needs a new set of tires around 36 months. Not having a car payment will enable you to pay cash for this expensive replacement. Once you've paid off your car loan, continue to make the $568 payment to a savings account. This will help you save up for any repairs you may need, now that your vehicle's factory warranty has expired. Or, give you a nice down payment on your next vehicle.

    72 Month New Car Loan
    $20,000 @ 2.40% (2.475% APR)
    Monthly Payment: $300
    Interest Paid: $1,495

    Pros:
    Have a smaller monthly payment.

    Cons:
    Longer term, you'll pay more in interest, have a longer negative equity position and financing a vehicle out of a typical 36 month factory warranty period.

    Recommendation:
    Even though your monthly payment is lower, you'll need to put money aside for a new set of tires and other repairs. The typical car needs a new set of tires around 36 months and that's also the time most factory warranties expire. Do the math. You may find that a 36 month loan is the way to go!

    When most people finance a vehicle for 72 months, they tend to purchase more car than they really need or can afford. If a 36 month loan is not the right option for you, we also have 48 month and 60 month loan terms available.


    Apply Today!  Application takes 8 minutes.

    FAIRWINDS Credit Union is your one-stop, full service, auto loan specialist.

    We make finding, buying and insuring your next vehicle easy. We offer an easy application process, simple terms, fast approval and quick funding. Our online Auto Resource Center features a car locator service, refinancing information, insurance options and more.

    At FAIRWINDS Credit Union, we take the hassle out of buying and financing your next car by giving you the most convenient auto shopping resources on the Internet.

    New Car Rates Starting As Low As 1.53%

    Don't pay too much for your new car!

    FAIRWINDS Credit Union offers rates as low as 1.53% on new cars and 1.68% on used cars.

    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%
    Apply Today!  Application takes 8 minutes.
    See How Much You Can Afford To Pay On A New Car

    There's never buyer's remorse when you do your homework first.

    Our online loan calculators can help you determine how much you can afford to pay on a new car. Compare auto loan payments at different rates and terms to see what best fits your budget.

    Vehicle Savings Are Sure To Be Found

    Savings are sure to be found with our
    new Member Showroom.

    Once you know how much of a car to buy and your loan is approved, you can begin shopping for a new or used vehicle. Our Auto Resource Center helps you find the new or used car that's right for you. FAIRWINDS even offers a Car Concierge service which lets you kick back while we take care of the shopping. Just tell us what you are looking for and we'll do the rest. We even take care of negotiating the price and delivering the car to you.

    FAIRWINDS Member Showroom

    Don't get stranded or stuck with a large bill.

    If you're buying a new car, insurance is a must. Our members benefit from a wide range of insurance options including collision coverage, comprehensive coverage, bodily injury liability and more. FAIRWINDS Insurance Services, LLC helps protect you from the unexpected.

    Get An Auto Insurance Quote

    APR = Annual Percentage Rate

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

    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 and credit builder 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.