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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

Branch Appointment Apply Today

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 132.
Rated 5 out of 5 by from Home Equity Line of Credit. The product is so useful. It's like having a "Super Duper" Credit card. There when you need it, at a great interest rate.
Date published: 2018-08-18
Rated 5 out of 5 by from Easy and painless I switched credit unions when I moved into my new house because of the branch in my neighborhood
Date published: 2018-08-17
Rated 5 out of 5 by from Awesome! Everything went so smooth & easy! Fairwinds staff is always great!
Date published: 2018-07-26
Rated 5 out of 5 by from Easy I have been with Fairwinds for almost 25 years. This was my first Equity Loan. Everything went well but I submitted my application online. From my iPhone I did not receive a confirmation of the receipt. After a few days the Fairwinds rep located the app and within a month I was closing on the loan.
Date published: 2018-07-25
Rated 5 out of 5 by from Very professional and corteous Excellent customer support by very professional and corteous personnel.
Date published: 2018-07-25
Rated 5 out of 5 by from Great service Fairwinds made this loan easy from the initial application to meeting me at my Fairwinds location to sign the closing docs. Much of the application was able to be done electronically, making the whole process easy.
Date published: 2018-07-10
Rated 5 out of 5 by from VERY smooth process VERY smooth process, all details spelled out and easy to understand, all questions answered promptly.
Date published: 2018-07-03
Rated 5 out of 5 by from Home equity loan I have been a FAIRWINDS member for almost 40 years and as usual we received fantastic service from the staff at the Longwood branch.
Date published: 2018-07-02
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