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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.

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
2.39%
used auto rates starting at
2.65%
60 Month
new auto rates starting at
3.30%
used auto rates starting at
3.80%
72 Month
new auto rates starting at
3.69%
used auto rates starting at
4.17%
  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 07/01/2020. 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.

FAIRWINDS Member Reviews

Auto Loans is rated 4.9 out of 5 by 1595.
Rated 5 out of 5 by from Great job Have been a fairwinds member for some time. It was such an easy process to trade in and refinance a used car. Never but new again. Thank you Fairwinds.
Date published: 2020-06-27
Rated 5 out of 5 by from Personal attention I do all my banking here. They make me feel like important customer.
Date published: 2020-06-26
Rated 5 out of 5 by from Easy on line experience! I have been a member of Fairwinds since 1990, and they have always been accommodating, easy to work with, friendly, and professional. I've moved to Sarasota, FL where there are no Fairwinds branches, but I stayed with them because of the great experiences.
Date published: 2020-06-26
Rated 5 out of 5 by from Bonnie is your BEST Employee FAIRWINDS is awesome, they take care of you like your family.
Date published: 2020-06-26
Rated 5 out of 5 by from Accomodating Process and staff were unbelievably cooperative and accomodating
Date published: 2020-05-25
Rated 5 out of 5 by from Auto refinance I recently was contacted about possibly refinancing and dropping my interest rate for my Mazda CX5 and decided to go ahead and do it. Everyone of the people that was involved in this whole process were very nice and professional and at the end they were able to do both and also lower my payment and delay it for a couple of months which really was a blessing due to the hardships we are all facing right now. My husband and I have been Fairwinds customers for a long time and plan on staying with you guys forever if possible. Keep up the good work in all you do!
Date published: 2020-05-25
Rated 5 out of 5 by from Quick and easy This is my 2nd auto loan with FAIRWINDS. Wasn’t sure what to expect during the covid-19 quarantine, but it was as smooth as the first loan process.
Date published: 2020-05-24
Rated 5 out of 5 by from Excellent!!!!!!!!! Marie and her staff made my refi (I’m in Texas) super smooth. Those ladies were on top of their game and made the process very easy!
Date published: 2020-05-20
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