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FAIRWINDS members, on average, save $50 each month when they refinance their auto loan with us. 

Questions about a loan?

We are here to help.

Think you have the best rate and payment on your auto loan? Maybe not. On average, FAIRWINDS members save $50 a month when they refinance their auto loan with us. That's an extra $600 a year for the life of the loan.1

Just fill out our five minute online application to let the savings begin.

Limited Time Refinance Special

Now when you refinance your vehicle with FAIRWINDS, you can receive a cash back bonus.

Loan Amount Cash Back3
$0 - $19,999.99 $100
$20,000 - $29,999.99 $200
$30,000+ $300

When you refinance your auto loan with us, you'll also enjoy:

  • No payments for 90 days.2
Loan Term New Car APR* Used Car APR*
36 Month new auto rates starting at
1.98%
used auto rates starting at
2.18%
48 Month new auto rates starting at
2.99%
used auto rates starting at
3.25%
60 Month new auto rates starting at
3.55%
used auto rates starting at
3.90%
72 Month new auto rates starting at
3.92%
used auto rates starting at
4.27%
  Want an even better auto loan rate?
Enjoy a .25% APR* discount on your next auto loan when you have the FAIRWINDS Preferred Visa® Signature card.
Learn more about our Preferred Visa Signature card.

*APR = Annual Percentage Rate

Rates are current as of 11/01/2019. 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.

1Average monthly savings of auto loans refinanced at FAIRWINDS from another financial institution is $50. Actual savings will vary. 2Interest accrues from date of contract. 3To qualify for the cash back bonus offer, the loan must originally be financed with another financial institution and refinanced at FAIRWINDS.

FAIRWINDS Member Reviews

Auto Loans is rated 4.9 out of 5 by 1526.
Rated 5 out of 5 by from Great experience Serina made the process very simple and kept me informed along the way... could not had been easier!
Date published: 2019-11-05
Rated 5 out of 5 by from Great experience My loan officer gave me great advice and made the process easy to get pre approved and to re finance my truck.
Date published: 2019-10-30
Rated 5 out of 5 by from Great staff The staff at the fairwinds branch office were awesome. They explained every step of the process and were very courteous and professional.
Date published: 2019-10-28
Rated 5 out of 5 by from my experience at Fairwinds I became a member a month ago when I approached Fairwinds for an auto loan and it was an excellent experience.
Date published: 2019-10-27
Rated 5 out of 5 by from Great rates I join Fairwinds to get their great rates on an auto loan. The service is excellent.
Date published: 2019-10-24
Rated 4 out of 5 by from Great rates on refinancing I did refinancing a month ago and got the best lowest rate in the market. I took a star away as the loan duration was reduced till my visa validity which I haven’t seen before in any other banks. The refinancing process was smooth however I had to go to bank in person for membership registration due to verification error online. All other paper work went smooth over email and phone and online which was great. Using bank app which is also very cool. Thanks FAIRWINDS.
Date published: 2019-10-20
Rated 5 out of 5 by from Superior Service & Value Great staff who worked from the moment I enter the branch, delivering world-class customer service and followed-up all the way. All of which led to immediate peace of mind, and a stress-free process
Date published: 2019-10-18
Rated 5 out of 5 by from Great auto refinance savings Got a mailer to refinance. Went to local branch got a bonus for refinancing then reduced the loan years and even saved more.
Date published: 2019-10-17
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