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Want the flexibility of a line but the security of a fixed rate? Our fixed rate line of credit may be the solution for you.

The best of both worlds. Our fixed rate home equity line of credit combines the flexibility of a line of credit with the peace of mind knowing your rate is fixed.

  • Borrow up to 70% of your home's value excluding existing mortgages
  • Draw on the funds for a period of two years followed by a fixed term home equity loan up to 15 years.
  • Discounts on closing costs up to $1,000*
  • Quick approval and closing time
  • Automatic payments
  • No application fee

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Home Equity Fixed Rate Line of Credit
Annual Percentage Rate (APR) 5.50%
Rate Fixed
Payment Options Principal and Interest
Draw Period 2 years
Maximum Financing Up to 70% of home's value excluding existing mortgages

*No closing costs options are only available for equity loans up to 15 years. Closing costs up to $1,000 may be paid by FAIRWINDS. This includes the application fee, origination charge, appraisal, title insurance, settlement and search fees, recording fees, and mortgage document stamps. Closing costs over $1,000 are the responsibility of the member.

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.

In order to open the loan plan, you must pay a flood zone determination fee of $20 to the Credit Union and certain fees to third parties which generally total between $300 and $3,800. You may request more specific cost information about third-party fees from the Credit Union. Property insurance on the property that secures the plan is required to open the plan.

FAIRWINDS Member Reviews

Home Equity Loan is rated 4.3 out of 5 by 67.
Rated 5 out of 5 by from Home equity losn Denise was easy to work with. The process went smoothly and I was kept informed
Date published: 2017-04-19
Rated 5 out of 5 by from Great Experoence I recently applied for a home equity line of credit. I had a tight deadline I needed to get the loan approved. The local loan office expedited the process for me and I was very pleased with the process and the timely manner in which it was handled for me.
Date published: 2017-04-17
Rated 4 out of 5 by from Great rate Home equity loan was processed and everyone was helpful. Only draw back was it took way to long. It should have been processed much faster. First time I have even had to get an appraisal for a home equity loan as well.
Date published: 2017-04-15
Rated 5 out of 5 by from A member for life What I have come to expect from my 19 years of membership with Fairwinds. The best service from a financial institution.
Date published: 2017-04-09
Rated 5 out of 5 by from Easy, great job Processed request quickly and communicated well along the way. The team at lake Mary branch have always taken great care of my needs over the years.
Date published: 2017-04-08
Rated 4 out of 5 by from Just What I was Looking For! Fairwinds made my dream home project come true with quick and easy access to the home equity loan.
Date published: 2017-03-27
Rated 5 out of 5 by from Very easy process I recently got a home equity loan and the whole process was made very easy. Every part of the process went quickly and smoothly. Thank you.
Date published: 2017-03-20
Rated 5 out of 5 by from Home Equity Loan I have been a FAIRWINDS member for 21 years and I couldn't be happier. The home equity loan process was painless and prefessional.
Date published: 2017-03-07
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