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fairwinds.org | Get the freedom to go further.

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 90% of your home’s value excluding existing mortgages on terms of 5 or 10 years
  • Fixed terms available up to 20 years which include a two year draw period
  • 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) starting as low as
5.70%
Rate Fixed
Payment Options Principal and Interest
Draw Period 2 years
Maximum Financing Up to 90% of home's value excluding existing mortgages

*No closing costs options are only available for equity lines with a $15,000 minimum draw required at closing. 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 4.6 out of 5 by 169.
Rated 5 out of 5 by from Great experience. Been a member for over 8 years and always a great experience.
Date published: 2019-09-01
Rated 5 out of 5 by from Awesome Solution for debt! FAIRWINDS provided an amazing solution for debt consolidation that fit what we needed at an amazing rate! Saving is a ton of money!
Date published: 2019-08-16
Rated 5 out of 5 by from Excellent service Was very happy with the assistance we received from all persons involved with the loan.
Date published: 2019-07-30
Rated 5 out of 5 by from Excellent Personalized Service FAIRWINDS is by far hands above dealing with any big bank. I had sense of being valued as a client and everyone I dealt with at FAIRWINDS was extremely responsive, professional and genuinely interested in helping me. This was similar to the credit union i had in my previous home state. It made me wonder why I didn’t get here sooner. Credit Unions by far provide a better level of service, better rates and treat their clients like a person not another mouse in a cage. Thanks FAIRWINDS for reminding me what good client service in banking is.
Date published: 2019-07-20
Rated 5 out of 5 by from Best rate. Painless process. Fairwinds provided best rate in the area plus superior service from every person involved in the process, which was very simple and stress free. Felt like we were becoming members of a warm and welcoming family.
Date published: 2019-06-26
Rated 5 out of 5 by from Home equity account Everyone involved with our loan process was very cordial and helpful. Everything was taken care of in a very timely manner and it was the easiest loan process we have ever experienced! Cudos to everyone involved in our loan.
Date published: 2019-06-21
Rated 5 out of 5 by from Fairwinds, our chosen bank. Fairwinds made the HELOC process convenient and easy for us.
Date published: 2019-05-18
Rated 5 out of 5 by from Heloc loan I have been a Fairwinds member over 22 years. I wanted a Heloc loan and it went easy and smooth. Loan officer did everything and answered all questions and explained everything thoroughly. Extremely happy! Best rates around!
Date published: 2019-04-24
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