Holiday Reminder

FAIRWINDS branches will be closed on Monday, May 29 in observance of Memorial Day | wherever you are

product photo

Building a pool? Replacing your roof? We have the home equity solution to let those big home projects happen. Need to consolidate debt? We can help with that too.

With a home equity loan you can finance those big projects by receiving all of the funds up front. You'll have the peace of mind of a fixed rate and a fixed payment so that you can budget accordingly. Have credit card debt? A home equity loan may be a good solution to consolidate your debt and lower your interest rate payments. There may be tax advantages too. Consult a tax advisor for details.

  • Borrow up to 90% of your home's value excluding existing mortgages
  • Flexible repayment periods from five to 20 years - remember, the shorter the better
  • Monthly fixed rate and interest payments
  • Discounts on closing costs up to $1,000*
  • Quick approval and fast closing
  • Automatic payments
  • No application fee

  Branch Appointment   Apply Today

Home Equity Fixed Rate
Annual Percentage Rate (APR) Regular Rate
starting at 5.53%
With 2,500 Relationship REWARDS Points
starting at 5.28%
With 5,000 Relationship REWARDS Points
starting at 5.03%
Rate Fixed
Payment Options Principal and Interest
Draw Period Not Available
Maximum Financing Up to 90% 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
  • y_2017, m_5, d_19, h_2
  • bvseo_bulk, prod_bvrr, vn_bulk_1.0.0-hotfix-1
  • cp_1, bvpage1
  • co_hasreviews, tv_8, tr_59
  • loc_en_US, sid_761, prod, sort_[SortEntry(order=SUBMISSION_TIME, direction=DESCENDING)]
  • clientName_fairwinds
  • bvseo_sdk, p_sdk, 3.2.0
  • CLOUD, getContent, 66.49ms