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Places Where We Do Home Loans

We offer lending in Alabama, California, Colorado, Connecticut, Florida, Georgia, Massachusetts, North Carolina, South Carolina, Texas, and Virginia.

Save up to $21,078 with a

FAIRWINDS Credit Union mortgage

FAIRWINDS rates as low as
APR 15 Yr Fixed


National Average*
APR 15 Yr Fixed

$21,078 is the difference between the amount paid in interest between FAIRWINDS Credit Union's rate at 5.500% APR compared to 6.369% APR for the National market average over the life of a $250,000 mortgage over 180 months.

*Based upon independent research conducted by Datatrac for 135694 financial institution locations in the National market as of June 1, 2023.
APR = Annual Percentage Rate

Have questions? Available 24/7, a mortgage expert is here for you.

Call 407.206.8125 or 1.888.413.0672 to speak to one of our specialized mortgage lenders.

Get started now, or call 1.888.413.0672

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We are your one-stop shop when it comes to your loan. Learn more about home financing options

Mortgage Type Rate APR* Points
30 year fixed

360 months at 6.00% (6.143% APR) for a $250,000 loan would result in a monthly payment of $1,498.88.

6.000% 6.143% .880
20 year fixed

240 months at 5.75% (5.915% APR) for a $250,000 loan would result in a monthly payment of $1,755.21.

5.750% 5.915% .693
15 year fixed

180 months at 5.50% (5.735% APR) for a $250,000 loan would result in a monthly payment of $2,042.71.

5.500% 5.735% .876

**APR = Annual Percentage Rate. Rates are updated frequently and are subject to change without notice. Your actual rate is based on your credit quality, down payment, loan term, and amount financed. Rate lock cutoff time is 4:00 PM EDT. Any lock requests received after 4:00 PM EDT will be subject to tomorrow’s posted rates. Interest rates above are based on a loan amount of $200,00, single-family home as a primary residence, 45-day rate lock, credit score of 740, and a loan-to-value of 80%. Discount points may apply. Terms and conditions subject to change at any time without prior notice.

Frequently Asked Mortgage and Rate Questions

Here are few common questions people have about mortgages and home loans available to anyone living in the United States.

How do I calculate a mortgage payment?

Using our simple mortgage calculator, you can easily see what your mortgage payment would be. Then, compare how much interest you can save on a 15-year mortgage versus a 30-year mortgage.

How can I save the most money on my house?

Most people only think of negotiating the price of the home with their real estate agent. Actually, most of the money to be saved is in the mortgage. You could save around $98,000 in interest by financing a $250,000 mortgage for 15 years versus 30 years. Compliment that with bi-weekly payments and you could save even more interest on your mortgage.

What would my interest rate be?

Your mortgage interest rate is based on many factors like your credit score, down payment, debt to income ratio, loan term, and amount financed.

What are today’s mortgage rates?

For today, June 1, 2023, the current average mortgage rate on the 30-year fixed-rate mortgage is 6.000%, the average rate for the 15-year fixed-rate mortgage is 5.500%. Rates are quoted as annual percentage rate (APR).

What our members are saying...

      - Don M

Great experience with Fairwinds

A friend of mine is a Fairwinds member who was very happy with his mortgage. We are thankful that he referred us to Fairwinds, very positive experience for us.



Fairwinds is so easy to work with. They made my mortgage a very pleasant experience. Jeremy was amazing!


Great Experience!

I applied for a mortgage loan through FAIRWINDS and it could not have been a smoother process. Application was easy as was the approval. They kept me informed every step of the way and were always available to answer any questions I had promptly. An overall terrific experience from application to closing.

      - Astrid

Awesome Services

I have been a member of Fairwinds since 2008, I have a Car Loan, a Personal Loan, and just recently a Mortgage Refinance, and I have to say Fairwinds had the best customer service


Amazing team!!!

From start to finish, my home purchase was easy and on time. All of my questions were answered quickly and professionally.