fairwinds.org | wherever you are

Savings Account as of 06/29/15

Savings Interest Rates Interest Rate Annual Percentage Yield (APY)
Regular Savings 0.05% 0.05%
Secondary Savings 0.05% 0.05%
IRA Savings Account 0.25% 0.25%
Restricted Holiday Account 0.10% 0.10%
5K Savings 0.65% 0.65%

Interest Checking Account as of 06/29/15

Savings Interest Rates Interest Rate Annual Percentage Yield (APY)
$0.01 - $9,999.99 0.01% 0.01%
$10,000.00 - $24,999.99 0.02% 0.02%
$25,000.00 - $49,999.99 0.02% 0.02%
$50,000.00 - $9,999,999.99 0.03% 0.03%

Health Savings Account as of 06/29/15

Savings Interest Rates Interest Rate Annual Percentage Yield (APY)
$0.00 - $2,999.99 0.10% 0.10%
$3,000.00 - $4,999.99 0.15% 0.15%
$5,000.00 - $9,999.99 0.20% 0.20%
$10,000.00 - $999,999,999.99 0.25% 0.25%

Money Market as of 06/29/15

Money Market Rates Interest Rate Annual Percentage Yield (APY)
$0.01 - $999.99 0.00% 0.00%
$1,000.00 - $2,499.99 0.00% 0.00%
$2,500.00 - $9,999.99 0.05% 0.05%
$10,000.00 - $24,999.99 0.10% 0.10%
$25,000.00 - $49,999.99 0.15% 0.15%
$50,000.00 - $99,999.99 0.15% 0.15%
$100,000.00 - $999,999,999.99 0.20% 0.20%
Premium Money Market Interest Rate Annual Percentage Yield (APY)
$0.00 - $9,999.99 0.00% 0.00%
$10,000.00 - $49,999.99 0.20% 0.20%
$50,000.00 - $99,999.99 0.25% 0.25%
$100,000.00 - $249,999.99 0.30% 0.30%
$250,000.00 - $999,999.99 0.30% 0.30%
$1,000,000.00 - $999,999,999.99 0.30% 0.30%

Certificate of Deposit as of 06/29/15

Enter your CD balance to determine REWARDS points needed for a bonus rate**.
$
CD RatesAnnual Percentage Yield (APY).25% bonus**.50% bonus**
3 Month Certificate 3 Month Certificate 0.20% 0.45%
using  pts
0.70%
using  pts
6 Month Certificate 6 Month Certificate 0.30% 0.55%
using  pts
0.80%
using  pts
12 Month Certificate 12 Month Certificate 0.40% 0.65%
using  pts
0.90%
using  pts
24 Month Certificate 24 Month Certificate 0.60% 0.85%
using  pts
1.10%
using  pts
36 Month Certificate 36 Month Certificate 0.80% 1.05%
using  pts
1.30%
using  pts
48 Month Certificate 48 Month Certificate 1.01% 1.26%
using  pts
1.51%
using  pts
60 Month Certificate 60 Month Certificate 1.21% 1.46%
using  pts
1.71%
using  pts
*APY: Annual Percentage Yield

Vehicle Loans as of 06/29/15

Loan Type Annual
Percentage Rate
(APR)
APR
2500 RR
APR
5000 RR
New Vehicle starting at
2.03%
starting at
1.78%
starting at
1.53%
Used Vehicle starting at
2.18%
starting at
1.93%
starting at
1.68%
New Motorcycle starting at
6.80%
starting at
6.55%
starting at
6.30%
Used Motorcycle starting at
7.10%
starting at
6.85%
starting at
6.60%
New RV starting at
5.80%
starting at
5.55%
starting at
5.30%
Used RV starting at
6.10%
starting at
5.85%
starting at
5.60%
New Boat starting at
5.80%
starting at
5.55%
starting at
5.30%
Used Boat starting at
6.10%
starting at
5.85%
starting at
5.60%

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.

Rates are current as of 06/29/15.

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.

Mortgage as of 07/01/15

Mortgage Type Interest Rate APR Points
Conventional
30 Year Fixed Rate
4.125%* 4.226%* .361
Conventional
20 Year Fixed Rate
4.000%* 4.150%* .451
Conventional
15 Year Fixed Rate
3.250%* 3.445%* .502
Conventional
10 Year Fixed Rate
3.000%* 3.325%* .708
Conventional
30 Year Fixed Rate
4.125%* 4.226%* .361
Conventional
20 Year Fixed Rate
4.000%* 4.150%* .451
Conventional
15 Year Fixed Rate
3.250%* 3.445%* .502
Conventional
10 Year Fixed Rate
3.000%* 3.325%* .708
Adjustable
10 Year Adjustable Rate
3.625%* 3.421%* .831
Adjustable
7 Year Adjustable Rate
3.375%* 3.147%* .527
Adjustable
5/5 ARM
2.875%* 2.917%* .741
Adjustable
5 Year Adjustable Rate
2.750%* 2.873%* .741
Adjustable
3 Year Adjustable Rate
2.750%* 2.872%* .729
Adjustable
10 Year Adjustable Rate
3.625%* 3.421%* .831
Adjustable
7 Year Adjustable Rate
3.375%* 3.147%* .527
Adjustable
5/5 ARM
2.875%* 2.917%* .741
Adjustable
5 Year Adjustable Rate
2.750%* 2.873%* .741
Adjustable
3 Year Adjustable Rate
2.750%* 2.872%* .729
Retire Your Mortgage
Retire Your Mortgage 16-20 Years
4.500%* 4.653%* .451
Retire Your Mortgage
Retire Your Mortgage 13-15 Years
3.750%* 3.948%* .502
Retire Your Mortgage
Retire Your Mortgage 9-12 Years
3.500%* 3.778%* .708
Retire Your Mortgage
Retire Your Mortgage 5-8 Years
3.250%* 3.652%* .708
Retire Your Mortgage
Retire Your Mortgage 16-20 Years
4.500%* 4.653%* .451
Retire Your Mortgage
Retire Your Mortgage 13-15 Years
3.750%* 3.948%* .502
Retire Your Mortgage
Retire Your Mortgage 9-12 Years
3.500%* 3.778%* .708
Retire Your Mortgage
Retire Your Mortgage 5-8 Years
3.250%* 3.652%* .708
Freedom Mortgage
30 Year No Closing Cost
4.625%* 4.729%* .361
Freedom Mortgage
Freedom Mortgage 20 Years
4.500%* 4.653%* .451
Freedom Mortgage
Freedom Mortgage 15 Years
3.750%* 3.948%* .502
Freedom Mortgage
Freedom Mortgage 10 Years
3.500%* 3.778%* .708
Freedom Mortgage
Freedom Mortgage 5
3.000%* 3.726%* .957
Freedom Mortgage
30 Year No Closing Cost
4.625%* 4.729%* .361
Freedom Mortgage
Freedom Mortgage 20 Years
4.500%* 4.653%* .451
Freedom Mortgage
Freedom Mortgage 15 Years
3.750%* 3.948%* .502
Freedom Mortgage
Freedom Mortgage 10 Years
3.500%* 3.778%* .708
Freedom Mortgage
Freedom Mortgage 5
3.000%* 3.726%* .957
Jumbo Mortgage
30 Year Fixed Rate
4.125%* 4.177%* .361
Jumbo Mortgage
20 Year Fixed Rate
4.000%* 4.081%* .451
Jumbo Mortgage
15 Year Fixed Rate
3.250%* 3.360%* .502
Jumbo Mortgage
10 Year Fixed Rate
3.000%* 3.201%* .708
Jumbo Mortgage
30 Year Fixed Rate
4.125%* 4.177%* .361
Jumbo Mortgage
20 Year Fixed Rate
4.000%* 4.081%* .451
Jumbo Mortgage
15 Year Fixed Rate
3.250%* 3.360%* .502
Jumbo Mortgage
10 Year Fixed Rate
3.000%* 3.201%* .708
Construction
30 Year Construction Loan
4.375%* 4.568%* .361
Construction
20 Year Construction Loan
4.250%* 4.525%* .451
Construction
15 Year Construction Loan
3.500%* 3.851%* .502
Construction
10 Year Construction Loan
3.250%* 3.800%* .708
Construction
10/1 ARM Construction Loan
3.875%* 3.699%* .831
Construction
7/1 ARM Construction Loan
3.625%* 3.379%* .527
Construction
5/5 ARM Construction Loan
3.125%* 3.100%* .741
Construction
5/1 ARM Construction Loan
3.000%* 3.051%* .741
Construction
3/1 ARM Construction Loan
3.000%* 3.018%* .729
Construction
30 Year Construction Loan
4.375%* 4.568%* .361
Construction
20 Year Construction Loan
4.250%* 4.525%* .451
Construction
15 Year Construction Loan
3.500%* 3.851%* .502
Construction
10 Year Construction Loan
3.250%* 3.800%* .708
Construction
10/1 ARM Construction Loan
3.875%* 3.699%* .831
Construction
7/1 ARM Construction Loan
3.625%* 3.379%* .527
Construction
5/5 ARM Construction Loan
3.125%* 3.100%* .741
Construction
5/1 ARM Construction Loan
3.000%* 3.051%* .741
Construction
3/1 ARM Construction Loan
3.000%* 3.018%* .729

*Rates may vary. Please click on the rate above to obtain the factors affecting the interest rate shown. Your actual rate will depend on various factors including, but not limited to, loan type, credit profile, property type, appraised value, occupancy, subordinate financing and loan size. Rates are updated daily. Rate lock cutoff time is 4:00 PM EST. Any lock requests received after 4:00 PM will be subject to tomorrow’s posted rates. Interest rate quotes are based on a credit score of 740 and a maximum loan-to-value of 60%. Discount points may apply. Rates are subject to change without notice.

Personal Loans 07/01/2015

Loan Type APR* APR*
2500 RR
APR*
5000 RR
G.O.O.D. Loan
(Get Out Of Debit)
starting at
7.74%
starting at
7.49%
starting at
7.24%
Personal Loan starting at
8.64%
starting at
8.39%
starting at
8.14%
Variable Personal Line of Credit* starting at
8.64%
starting at
8.39%
starting at
8.14%

*APY: Annual Percentage Yield

Business Savings Account as of 06/29/15

Savings Interest Rates Interest Rate Annual Percentage Yield (APY)
Business Savings 0.05% 0.05%

Business Money Market as of 06/29/15

Money Market Rates Interest Rate Annual Percentage Yield (APY)
$0.00 - $4,999.99 0.00% 0.00%
$5,000.00 - $9,999.99 0.00% 0.00%
$10,000.00 - $24,999.99 0.05% 0.05%
$25,000.00 - $49,999.99 0.10% 0.10%
$50,000.00 - $99,999.99 0.10% 0.10%
$100,000.00 - $499,999.99 0.10% 0.10%
$500,000.00 - $999,999,999.99 0.10% 0.10%
Non-Profit Business Money Market Interest Rate Annual Percentage Yield (APY)
$0.00 - $4,999.99 0.00% 0.00%
$5,000.00 - $9,999.99 0.05% 0.05%
$10,000.00 - $24,999.99 0.10% 0.10%
$25,000.00 - $49,999.99 0.15% 0.15%
$50,000.00 - $99,999.99 0.15% 0.15%
$100,000.00 - $999,999,999.99 0.15% 0.15%
Premium Business Money Market Interest Rate Annual Percentage Yield (APY)
$0.00 - $24,999.99 0.00% 0.00%
$25,000.00 - $49,999.99 0.00% 0.00%
$50,000.00 - $249,999.99 0.10% 0.10%
$250,000.00 - $999,999.99 0.10% 0.10%
$1,000,000.00 - $2,499,999.99 0.15% 0.15%
$2,500,000.00 - $999,999,999.99 0.15% 0.15%

Business Certificate of Deposit as of 06/29/15

Savings Interest Rates Interest Rate Annual Percentage Yield (APY)
3 Month Business Certificate 0.10% 0.10%
6 Month Business Certificate 0.10% 0.10%
12 Month Business Certificate 0.20% 0.20%
24 Month Business Certificate 0.40% 0.40%
36 Month Business Certificate 0.60% 0.60%
48 Month Business Certificate 0.80% 0.80%
60 Month Business Certificate 1.00% 1.01%

*APY: Annual Percentage Yield

Early withdrawal is subject to penalty.