Credit union · NCUA insured
FAIRWINDS Credit Union Auto Loan Rates
FAIRWINDS Credit Union auto loans start at 5.20% APR for a new vehicle and 5.55% for a used one. Rates checked October 15, 2026.
How FAIRWINDS Credit Union’s auto loan rates compare
Compared with banks and credit unions near Orlando, FL, where FAIRWINDS Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
FAIRWINDS Credit Union
5.20%APR
- Terms
- up to 60 months
New Car
Lowest rate
TruGrocer Federal Credit Union
3.99%APR
- Terms
- 24–84 months
2nd-lowest rate
Unity of Eatonville FCU
3.99%APR
- Terms
- up to 72 months
FAIRWINDS Credit Union auto loan score
75
Auto loan score
Higher than 39% of U.S. banks and credit unions
- New vehicleNew5.20%
- Used vehicleUsed5.55%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where FAIRWINDS Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Car
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. Rates shown apply to applications submitted directly through a FAIRWINDS branch or at FAIRWINDS.org. Does not apply to commercial or cash-out refinance loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.59% | 36 months at 4.590% (4.590% APR) for a $30,000 loan would result in a monthly payment of $893.61. |
| up to 48 months | 4.84% | 48 months at 4.840% (4.840% APR) for a $30,000 loan would result in a monthly payment of $688.71. |
| up to 60 months | 5.20% | 60 months at 5.200% (5.200% APR) for a $30,000 loan would result in a monthly payment of $568.89. |
| up to 72 months | 5.40% | 72 months at 5.400% (5.400% APR) for a $30,000 loan would result in a monthly payment of $488.73. |
Sources (1)
- fairwinds.org/rates · captured Oct 5, 2026
Used Car
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. Rates shown apply to applications submitted directly through a FAIRWINDS branch or at FAIRWINDS.org. Does not apply to commercial or cash-out refinance loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | 36 months at 4.990% (4.990% APR) for a $30,000 loan would result in a monthly payment of $898.99. 1% rate increase for vehicles of 5 years or older. |
| up to 48 months | 5.19% | 48 months at 5.190% (5.190% APR) for a $30,000 loan would result in a monthly payment of $693.46. 1% rate increase for vehicles of 5 years or older. |
| up to 60 months | 5.55% | 60 months at 5.550% (5.550% APR) for a $30,000 loan would result in a monthly payment of $573.73. 1% rate increase for vehicles of 5 years or older. |
| up to 72 months | 5.85% | 72 months at 5.850% (5.850% APR) for a $30,000 loan would result in a monthly payment of $495.07. 1% rate increase for vehicles of 5 years or older. |
Sources (1)
- fairwinds.org/rates · captured Oct 5, 2026
Who can join FAIRWINDS Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is open to anyone nationwide.
Cost to join
- A $5 membership share establishes ownership and grants access to accounts, services, and benefits.
Membership information collected October 5, 2026.