Solutions For Your Resolutions

Save More, Spend Less and Pay Off Debt in 2012!

FAIRWINDS is the solution to your New Year’s resolution.

Whether you’re trimming your spending or bulking up on savings, FAIRWINDS is here to make you financially fit in the New Year!

Solutions For Your Resolutions:

Trainer Tip!
Scaling back on expenses like eating out and going to the movies can free up an extra $100 a month.

Save More

We all know we need to do it, yet only 24% of Americans have a six-month savings cushion, according to Bankrate.com. And another 24% have no emergency savings at all.

Start paying yourself first with a $5K Savings Account.
The $5K account makes it easy to automate your savings while earning a premium rate.

When it comes to the $5K savings account, the only competition is yourself. It doesn’t matter how fast you finish your $5K, what matters is you finish. As your personal financial trainer, FAIRWINDS is here to help you build good savings habits so you can succeed in your $5K.

There are a lot of great features to the $5K account that will help you reach your savings goal faster. Besides earning a premium rate of 0.65% APY, you will earn a bonus on balances up to $5,000 at the end of each the first three years following account opening. The credit union will match a percentage of the interest earned in each year.

Matching will be applied as follows:

Sometimes the hardest part about saving money is leaving it alone. This account should be reserved for bigger planned purchases or setting up an emergency fund.

Account Type: Interest Rate APY
Savings 0.05% 0.05%
$5K Savings
($5,000 or below)
0.65% (Regular savings rate plus 60 basis point bonus) 0.65% (Regular savings rate plus 60 basis point bonus)
$5K Savings
($5,000.01 or greater)
0.05% 0.05%

Ready to start the savings race? Call 407.277.5045 or stop by your nearest branch to meet with your FAIRWINDS trainer and enter your $5K today!

Spend Less

Spending less is easy when you do your homework. Take buying a car for example. A little research before heading to the dealership can save you thousands of dollars.

FAIRWINDS’ Member Showroom is a great tool for your next car purchase.

  • Low, upfront prices on new vehicles
  • TrueCarTM price reports let you see what others have paid
  • Average savings of $4,441* off MSRP on new vehicles

Special January Auto Loan Rates
And to help you spend even less on your next vehicle, FAIRWINDS is offering special auto loan rates in the month of January.

Apply Today!

Get pre-approved before going to the dealership or just ask for FAIRWINDS financing from the dealer.

Not ready for a new car yet?
Refinance your auto loan from another bank and you'll not only get the same great rates above, but you'll also enjoy a $100 refi cash bonus and 90 days of no payments.

So what do you have to lose
besides paying too much for your car.

* Prices vary by area. Average new car savings is based on actual customer transactions, including manufacturer incentives, as of 10/31/11.

Pay Off Debt

Paying off debt in 2012 is the third most popular resolution among Americans according to a survey by Fidelity Investments. FAIRWINDS offers two great solutions to help you on the road to living debt free!

G.O.O.D. Loans (Get Out Of Debt)
The Get Out of Debt loan is a personal loan with flexible fixed terms and low rates.

  • Rates as low as 6.95%
  • Flexible terms up to five years
  • Use Relationship Rewards to lower the rate by an additional .25% or .50%

G.O.O.D. Loan vs. Credit Card Balance:

$10,000 credit card balance at 15.00% will take approximately 32 years to pay off when you make only the minimum monthly payment.

$10,000 G.O.O.D. loan with FAIRWINDS at 8.95% will take 5 years to pay off. Not only would you save yourself 27 years of payments, you'll also save approximately $13,140 in interest.

Source: federalreserve.gov

G.O.O.D. Loans (Get Out Of Debt)
Maximum Term Regular Rate Relationship Rewards
with 2,500 RR
Points
with 5,000 RR
Points
12 months 7.74% - 0.00% 7.49% - 0.00% 7.24% - 0.00%
36 months 0.00% - 0.00% 0.00% - 0.00% 0.00% - 0.00%
60 months 0.00% - 18.00% 0.00% - 17.95% 0.00% - 17.70%
Apply Today!

Retire Your Mortgage
Already retired or close to it? How about your mortgage?

FAIRWINDS’ Retire Your Mortgage loan offers:

  • No closing costs
  • Flexible terms ranging from 5 to 15 years
  • Low and competitive rates
  • Up to 80% loan-to-value