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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 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 4.5 out of 5 by 119.
Rated 5 out of 5 by from Ecxellent Experience I have been member with Fairwinds for about 25 years and I am very happy.
Date published: 2018-06-05
Rated 5 out of 5 by from Simple and fast! I became a member of Fairwinds Credit Union many years ago. I have integrated them into almost all my financial dealings. From first mortgages, refinancing of a mortgage , to car loans. They simply out service everyone else in the industry as well as offering great rates!
Date published: 2018-06-04
Rated 1 out of 5 by from Slow Response I applied for a Fairwinds Home Equity Line of Credit March 2nd. I closed the loan on April 20th. I can understand if we had credit issues or if there was problems with the current mortgage or we were missing paperwork... However, we both have excellent credit and we own the home outright. 7 weeks?
Date published: 2018-06-04
Rated 5 out of 5 by from Great service and a great value We did a 15 mortage 3 years ago and the fees were very good. We just took out a home equity loan and same great service.
Date published: 2018-06-04
Rated 5 out of 5 by from Excellent Great service and always takes care of there customers
Date published: 2018-05-23
Rated 5 out of 5 by from Great experience We became members several years ago. When it came time for major home improvements we looked to Fairwinds for help! They made it fast and “painless” to get the money we needed!
Date published: 2018-05-23
Rated 4 out of 5 by from Good experience. Very happy with the ease with which equity loan was applied for and closed.
Date published: 2018-05-02
Rated 5 out of 5 by from Excellent service I've been with Fairwinds for about 11 years. I have never recreated it for a moment. Fairwinds has always been there for me and my family
Date published: 2018-05-02
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