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Updated: Tue, March 31, 2020 at 04:56pm EDT

fairwinds.org | Get the freedom to go further.

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

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
a Eliminate Debt productEliminate Debt
new auto rates starting at
1.98%
used auto rates starting at
2.18%
48 Month
a Eliminate Debt productEliminate Debt
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
3.75%
72 Month
new auto rates starting at
3.92%
used auto rates starting at
4.22%
  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.

*APR = Annual Percentage Rate

Rates are current as of 04/01/2020. 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 1568.
Rated 5 out of 5 by from Fast and easy i got a good rate and the process was painless Murphy is the best
Date published: 2020-03-29
Rated 5 out of 5 by from Great rates!! I became a member a month ago and I am so thrilled to have joined Fairwinds Credit Union.
Date published: 2020-03-26
Rated 5 out of 5 by from Great experience Very smooth, easy process and great rates as usual.
Date published: 2020-03-22
Rated 5 out of 5 by from Acura Car Loan Since my first phone call to get information to the actual signing of the loan was a breeze.
Date published: 2020-03-21
Rated 4 out of 5 by from Easy process. Been a member of Fairwinds for 28 years. I expected the process to be easy since I've been with them so long. It was easy and didn't take long. I wrapped it up the next day. I was a little disappointed in the APR; thought it would be lower. But Fairwinds, like all other banks judges EVERYTHING on your credit score and nothing else. There didn't seem to be any loyalty considerations.
Date published: 2020-03-14
Rated 5 out of 5 by from Love Fairwinds Credit union I purchase a vehicle with the help of Fairwinds Credit Union and the process went extremely smooth.
Date published: 2020-03-14
Rated 5 out of 5 by from Awesome customer service! We have been FAIRWINDS customers for a very long time and just refinanced my husbands auto loan. It couldn’t have been easier! It was completed in just a few days. They made the process so easy.
Date published: 2020-03-01
Rated 5 out of 5 by from Professional and seamless My loan officer was professional, courteous, and knowledgeable. The car loan experience was so easy!!
Date published: 2020-02-26
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