Source: https://www.fairwinds.org/rates
Read: 2026-10-22T10:08:34.000Z

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View rates on all of our personal banking solutions, from Savings and Checking Accounts to Auto and Home Loans.
Savings Accounts
Savings Interest Rates | Balance Tiers and Ranges | APY APY = Annual Percentage Yield. This rate is variable and may change without notice. Fees may reduce earnings. APY shown is effective as of . [1]
Emergency Savings Get Started Last updated 10/22/2026 | Balances up to $1,000.00 | 5.00% Premium rate of APY is applied to the first $1,000 in the Emergency Savings account. Balances above $1,000 earn . [2]
Freedom Savings Get Started Last updated 10/22/2026 | N/A | 0.10%
Signature Savings Get Started A Signature Checking Account is required. Last updated 10/22/2026 | $24,999.99 or below | 2.15%
 | $25,000.00 to $49,999.99 | 2.15%
 | $50,000.00 to $99,999.99 | 2.15%
 | $100,000.00 to $249,999.99 | 2.50%
 | $250,000.00 to $499,999.99 | 3.10%
 | $500,000.00 or greater | 3.10%
Save Smart Savings Get Started Automatically bundled with a Spend Smart Checking Account Last updated 10/22/2026 | Balances up to $100,000.00 | 3.10% Premium rate of applied to the first $100,000 in the Save Smart Savings account. Balances above $100,000 earn . [3]
Investor Savings Get Started Last updated 10/22/2026 | $24,999.99 or below | 3.10%
 | $25,000.00 to $49,999.99 | 3.10%
 | $50,000.00 to $99,999.99 | 3.10%
 | $100,000.00 to $249,999.99 | 3.10%
 | $250,000.00 to $499,999.99 | 3.10%
 | $500,000.00 or greater | 3.10%
IRA Savings Account Get Started Last updated 10/22/2026 | N/A | 0.10%
Minimum to open: $10
My First Home Savings Account
Interest Rate | APY APY = Annual Percentage Yield. This rate is variable and may change without notice. Fees may reduce earnings. APY shown is effective as of . [1]
My First Home Savings Get Started Last updated 10/22/2026 | 3.39%
Minimum to open: $10
Checking Accounts
Signature Checking
Get Started
Account Balance | APY APY = Annual Percentage Yield. This rate is variable and may change without notice. Fees may reduce earnings. APY shown is effective as of . [1]
$9,999.99 or below Last updated 10/22/2026 | 0.05%
$10,000.00 — $24,999.99 Last updated 10/22/2026 | 0.10%
$25,000.00 — $49,999.99 Last updated 10/22/2026 | 0.15%
$50,000.00+ Last updated 10/22/2026 | 0.20%
Minimum to open: $25
Certificates of Deposit (CD)
Early withdrawal of a Certificate of Deposit is subject to penalty. Fees can reduce earnings on the account.
[4]
Standard
Type | APY APY = Annual Percentage Yield. This rate is variable and may change without notice. Fees may reduce earnings. APY shown is effective as of . [1]
3-Month CD Get Started Last updated 10/22/2026 | 1.16%
6-Month CD Get Started Last updated 10/22/2026 | 3.65%
12-Month CD Get Started Last updated 10/22/2026 | 3.39%
24-Month CD Get Started Last updated 10/22/2026 | 3.58%
36-Month CD Get Started Last updated 10/22/2026 | 3.64%
48-Month CD Get Started Last updated 10/22/2026 | 3.67%
60-Month CD Get Started Last updated 10/22/2026 | 3.70%
Minimum to open: $1,000
Visa Signature Card Holders receive a 0.25% rate bump on a FAIRWINDS Certificate of Deposit. 
Must request rate bonus at the time of CD opening or CD renewal.
[5]
Credit Cards
Type | APR APR = Annual Percentage Rate. Rates are subject to change at any time. Your actual APR may vary based on your individual credit history and other terms and conditions. [6]
Visa Signature® Credit Card Get Started The Visa Signature® Credit Card has an annual fee of $95. [7] Last updated 11/03/2025 | Starting At 18.00%
Cash Back Visa® Credit Card Get Started Last updated 02/01/2026 | Starting At 13.74%
Secured Last updated 11/01/2024 | Starting At 18.00%
Loans and Lines of Credit
Vehicle Loans
New Car | APR APR = Annual Percentage Rate. Rates are subject to change at any time. Your actual APR may vary based on your individual credit history and other terms and conditions. [6]
36 Months Get Started 36 months at 4.590% (4.590% APR) for a $30,000 loan would result in a monthly payment of $893.61. Last updated 10/01/2026 | 4.59%
48 Months Get Started 48 months at 4.840% (4.840% APR) for a $30,000 loan would result in a monthly payment of $688.71. Last updated 10/01/2026 | 4.84%
60 Months Get Started 60 months at 5.200% (5.200% APR) for a $30,000 loan would result in a monthly payment of $568.89. Last updated 10/01/2026 | 5.20%
72 Months Get Started 72 months at 5.400% (5.400% APR) for a $30,000 loan would result in a monthly payment of $488.73. Last updated 08/01/2026 | 5.40%
Payment amount does not include taxes, title, registration, dealer fees, or optional products. Rates, terms, and payment amounts are based on creditworthiness, loan-to-value, vehicle type, and other underwriting factors. Not all applicants will qualify for the lowest rate. Vehicle eligibility requirements apply. Offer subject to credit approval and may change without notice. Learn More
Used Car | APR APR = Annual Percentage Rate. Rates are subject to change at any time. Your actual APR may vary based on your individual credit history and other terms and conditions. [6]
36 Months Get Started 36 months at 4.990% (4.990% APR) for a $30,000 loan would result in a monthly payment of $898.99. Last updated 10/01/2026 | 4.99%
48 Months Get Started 48 months at 5.190% (5.190% APR) for a $30,000 loan would result in a monthly payment of $693.46. Last updated 10/01/2026 | 5.19%
60 Months Get Started 60 months at 5.550% (5.550% APR) for a $30,000 loan would result in a monthly payment of $573.73. Last updated 10/01/2026 | 5.55%
72 Months Get Started 72 months at 5.850% (5.850% APR) for a $30,000 loan would result in a monthly payment of $495.07. Last updated 10/01/2026 | 5.85%
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1% rate increase for vehicles of 5 years or older. Additional rate adjustments may apply for certain loan types, including but not limited to refinance cash-out, private sale, lease buyout, commercial vehicle, and free & clear financing. Payment amount does not include taxes, title, registration, dealer fees, or optional products. Rates, terms, and payment amounts are based on creditworthiness, loan-to-value, vehicle type, and other underwriting factors. Not all applicants will qualify for the lowest rate. Vehicle eligibility requirements apply. Offer subject to credit approval and may change without notice. Learn More
Other Vehicles | APR APR = Annual Percentage Rate. Rates are subject to change at any time. Your actual APR may vary based on your individual credit history and other terms and conditions. [6]
Motorcycle, Boat, and RV (Used) Get Started 72 months at 7.800% (7.800% APR) for a $30,000 loan would result in a monthly payment of $523.07. Last updated 08/01/2026 | 7.80%
Motorcycle, Boat, and RV (New) Get Started 72 months at 7.350% (7.350% APR) for a $30,000 loan would result in a monthly payment of $516.53. Last updated 08/01/2026 | 7.35%
Mortgages
Fixed Rate | Rate | APR APR = Annual Percentage Rate. Rates are subject to change at any time. Your actual APR may vary based on your individual credit history and other terms and conditions. [6] | Points
15 Year Fixed Mortgage Get Started 180 months at 5.625% (5.848% APR) for a $250,000.00 loan would result in a monthly payment of $2,059.33. Last updated 10/22/2026 | 5.625% | 5.848% | 0.774
20 Year Fixed Mortgage Get Started 240 months at 6.125% (6.204% APR) for a $250,000.00 loan would result in a monthly payment of $1,809.15. Last updated 10/22/2026 | 6.125% | 6.204% | 0.629
30 Year Fixed Mortgage Get Started 360 months at 6.625% (6.751% APR) for a $250,000.00 loan would result in a monthly payment of $1,600.78. Last updated 10/22/2026 | 6.625% | 6.751% | 0.637
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 ET. Any lock requests received after 4:00 PM ET will be subject to tomorrow’s posted rates. Interest rates above are based on a loan amount of $250,000 single-family home as a primary residence, purchase transaction, 45-day rate lock, credit score of 780, and a loan-to-value of 80%. Discount points may apply. Terms and conditions subject to change at any time without prior notice. Taxes and insurance not included; therefore the actual payment obligation may be greater.
Offer available for rate locks on or after October 1, 2026. The rates displayed already reflect a 0.50 percentage point promotional discount for eligible 10-, 15-, 20-, and 30-year fixed-rate mortgage loans. Available for purchase and refinance loans on owner-occupied primary residences. Excludes construction-to-permanent loans, vacation homes, investment properties, multifamily properties, and condominiums. To qualify for and retain the discounted rate, members must establish a FAIRWINDS checking account with either a recurring direct deposit of at least $500 or automatic mortgage payments. Failure to establish these requirements may result in the loss of the promotional discount and an adjustment to the interest rate. Offer may be modified or discontinued at any time without notice.
Jumbo Rate | Rate | APR APR = Annual Percentage Rate. Rates are subject to change at any time. Your actual APR may vary based on your individual credit history and other terms and conditions. [6] | Points
15 Year Jumbo Mortgage Get Started 180 months at 5.625% (5.771% APR) for a $832,750.00 loan would result in a monthly payment of $6,859.63. Last updated 10/22/2026 | 5.625% | 5.771% | 0.774
20 Year Jumbo Mortgage Get Started 240 months at 6.125% (6.224% APR) for a $832,750.00 loan would result in a monthly payment of $6,026.29. Last updated 10/22/2026 | 6.125% | 6.224% | 0.629
30 Year Jumbo Mortgage Get Started 360 months at 6.625% (6.703% APR) for a $832,750.00 loan would result in a monthly payment of $5,332.19. Last updated 10/22/2026 | 6.625% | 6.703% | 0.637
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 ET. Any lock requests received after 4:00 PM ET will be subject to tomorrow’s posted rates. Interest rates above are based on a loan amount of $832,750 single-family home as a primary residence, purchase transaction, 45-day rate lock, credit score of 780, and a loan-to-value of 80%. Discount points may apply. Terms and conditions subject to change at any time without prior notice. Taxes and insurance not included; therefore the actual payment obligation may be greater.
Offer available for rate locks on or after October 1, 2026. The rates displayed already reflect a 0.50 percentage point promotional discount for eligible 10-, 15-, 20-, and 30-year fixed-rate mortgage loans. Available for purchase and refinance loans on owner-occupied primary residences. Excludes construction-to-permanent loans, vacation homes, investment properties, multifamily properties, and condominiums. To qualify for and retain the discounted rate, members must establish a FAIRWINDS checking account with either a recurring direct deposit of at least $500 or automatic mortgage payments. Failure to establish these requirements may result in the loss of the promotional discount and an adjustment to the interest rate. Offer may be modified or discontinued at any time without notice.
Arm Rate | Rate | APR APR = Annual Percentage Rate. Rates are subject to change at any time. Your actual APR may vary based on your individual credit history and other terms and conditions. [6] | Points
5/5 Arm Get Started For a 30-year loan at $500,000.00 you would make 60 payments of $3,242.99 at 6.750% (6.801% APR) followed by 300 payments based on the then-current variable rate. Last updated 10/22/2026 | 6.750% | 6.801% | 0.957
10/6 Arm Get Started For a 30-year loan at $500,000.00 you would make 120 payments of $3,284.64 at 6.875% (6.916% APR) followed by 240 payments based on the then-current variable rate. Last updated 10/22/2026 | 6.875% | 6.916% | 0.92
Early ARM Disclosure Statement
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 EST. Any lock requests received after 4:00 PM EST will be subject to tomorrow’s posted rates. Interest rates above are based on a loan amount of $500,000 single-family home as a primary residence, purchase transaction, 45-day rate lock, credit score of 780, and a loan-to-value of 80%. Discount points may apply. Terms and conditions subject to change at any time without prior notice. Taxes and insurance not included; therefore the actual payment obligation may be greater.
HELOC
HELOC Interest Rates | APR APR = Annual Percentage Rate. Rates are subject to change at any time. Your actual APR may vary based on your individual credit history and other terms and conditions. [6]
Variable Get Started Last updated 09/14/2026 | As low as 6.80%
Rates are updated frequently and are subject to change without notice. Your actual rate is based on your credit quality, loan term, loan to value, and collateral property. Rate lock cutoff time is 4:00 PM EST. Any lock requests received after 4:00 PM EST will be subject to tomorrow’s posted rates. Interest rates above are based on a 2nd lien position, primary residence, credit score of 750, and a loan-to-value of 70% or less. Terms and conditions subject to change at any time without prior notice. All loans are subject to credit approval. Membership eligibility requirements apply. Once funded, the annual percentage rate can change on first day of each month. The maximum ANNUAL PERCENTAGE RATE that can apply under the variable-rate feature is 18.000%. Except for this lifetime rate cap, there is no limit on the amount by which the variable interest rate can increase during any one year period. The minimum ANNUAL PERCENTAGE RATE that can apply under the variable-rate feature is 3.250%.
Home Equity Loans
Home Equity Interest Rates | APR APR = Annual Percentage Rate. Rates are subject to change at any time. Your actual APR may vary based on your individual credit history and other terms and conditions. [6]
5-Year Loan Get Started 60 months at 5.790% (6.015% APR) for a $60,000 loan would result in a monthly payment of $1,160.39. Last updated 09/14/2026 | As low as 6.02%
10-Year Loan Get Started 120 months at 6.050% (6.074% APR) for a $60,000 loan would result in a monthly payment of $668.35. Last updated 09/14/2026 | As low as 6.07%
15-Year Loan Get Started 180 months at 6.550% (6.567% APR) for a $60,000 loan would result in a monthly payment of $524.88. Last updated 09/14/2026 | As low as 6.57%
20-Year Loan Get Started 240 months at 7.050% (7.064% APR) for a $60,000 loan would result in a monthly payment of $467.49. Last updated 09/14/2026 | As low as 7.06%
Rates are updated frequently and are subject to change without notice. Your actual rate is based on your credit quality, loan term, loan to value, and collateral property. Rate lock cutoff time is 4:00 PM EST. Any lock requests received after 4:00 PM EST will be subject to tomorrow’s posted rates. Interest rates above are based on 2nd lien position, primary residence, credit score of 750, and a loan-to-value of 70% or less. Terms and conditions subject to change at any time without prior notice. All loans are subject to credit approval. Membership eligibility requirements apply. Taxes and insurance not included; therefore the actual payment obligation may be greater.
Home Improvement Loans
Home Improvement Interest Rates | APR APR = Annual Percentage Rate. Rates are subject to change at any time. Your actual APR may vary based on your individual credit history and other terms and conditions. [6]
3-Year Loan Get Started 36 months at 8.500% (7.250% APR) for a $10,000 loan would result in a monthly payment of $309.92. Last updated 04/28/2026 | 7.25%
4-Year Loan Get Started 48 months at 8.800% (7.750% APR) for a $10,000 loan would result in a monthly payment of $242.96. Last updated 04/28/2026 | 7.75%
5-Year Loan Get Started 60 months at 9.500% (9.750% APR) for a $10,000 loan would result in a monthly payment of $211.24. Last updated 04/28/2026 | 9.75%
All loans are subject to credit approval. Membership eligibility requirements apply.
Financial Freedom happens here.®
Auto Loan rates and fees may vary depending on the loan source and application type. The rates shown apply to applications submitted directly through a FAIRWINDS branch or at FAIRWINDS.org. Applications submitted through third-party partners may be subject to different rates and fees. These terms do not apply to commercial or cash-out refinance loans.
Footnotes
APY = Annual Percentage Yield. This rate is variable and may change without notice. Fees may reduce earnings. APY shown is effective as of 10/22/26.
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Premium rate of 5.00% APY is applied to the first $1,000 in the Emergency Savings account. Balances above $1,000 earn 0.10%.
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Premium rate of 3.10% applied to the first $100,000 in the Save Smart Savings account. Balances above $100,000 earn 0.10%.
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Early withdrawal of a Certificate of Deposit is subject to penalty. Fees can reduce earnings on the account.
Back to footnote marker
Must request rate bonus at the time of CD opening or CD renewal.
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APR = Annual Percentage Rate. Rates are subject to change at any time. Your actual APR may vary based on your individual credit history and other terms and conditions.
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The Visa Signature® Credit Card has an annual fee of $95.
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