| wherever you are

Credit Builder

For first-time borrowers, those looking to build credit or members with large deposits, a Deposit Secured loan lets you benefit from great low rates by securing your borrowed amount with your deposit account. Borrow up to 100% of your deposit balance while still earning interest on your deposits in interests-bearing accounts.


Loan TypeAPR*APR*
2500 RR
5000 RR
Deposit Secured starting at
starting at
starting at

*APR: Annual Percentage Rate
Your actual rate is based on your credit quality, down payment, loan term, and amount financed. Discounted Rate: Rate discounts for automatic payment from a FAIRWINDS checking account will increase by .25% in the event payment is discontinued from a FAIRWINDS checking account. Any increase in the rate will result in more payments of the same amount until what you owe has been repaid. A loan processing fee will be charged on all loans except real estate and credit builder loans. The fee is 2% of the loan amount issued with a minimum fee of $10 and a maximum fee of $45. This loan processing fee will affect the APR shown.

Credit Builder Application