Fairwinds Credit Union Edgewater FL | Affordable Vehicle Loans & Business Banking

Introduction

At Fairwinds, located at 1504 S Ridgewood Ave, Edgewater, FL 32132, we believe that financial success starts with a strong community. Established in 1949, our credit union has been dedicated to serving the needs of our members for over seven decades. With a total membership of 232,476 and assets reaching an impressive $4,832,971,664, Fairwinds is not just a place to bank; it's a trusted partner in your financial journey. While you can visit us at our Edgewater branch for all your banking needs, please note that official correspondence should be directed to the same address. Our friendly team is ready to assist you with services ranging from personal banking and auto loans to mortgage financing and business loans. Under the leadership of CEO Larry Tobin and Board President Elizabeth Krahmer, Fairwinds stands committed to providing exceptional service and support. We pride ourselves on being accessible our branch features both ATM and drive-thru services, ensuring convenience for all our members. With total deposits amounting to $186,382,647 and a net worth of $496,858,200, we are financially sound and ready to help you achieve your goals. Whether you're looking for competitive loan options or expert advice on managing your finances, we have the resources you need. We invite you to stop by or give us a call at (407) 277-6030. Discover how Fairwinds can help you navigate your financial landscape with confidence. Your future starts here!

Branch History & Mission

A Legacy of Growth

Since opening our doors, Fairwinds has continually evolved to meet the needs of our members. Over the years, we have expanded our services and resources significantly. Today, we proudly manage total assets of approximately $4.83 billion. This growth reflects not just our financial stability but also our unwavering mission to support the people of Edgewater and beyond. Our headquarters in Orlando, FL, guides us as we adapt to the changing landscape of financial services while maintaining our core values. As technology advances, we remain committed to providing ADA-compliant facilities and customer-centric initiatives that make banking accessible and convenient for everyone.

Community Focus

While members can visit us at 1504 S Ridgewood Ave for their banking needs, official correspondence should be sent to the same address. Our drive-thru service enhances convenience for busy individuals while our ATM availability ensures easy access to funds whenever needed. We believe in building relationships that last both with our members and within the wider community. By participating in local events and initiatives, we strive to make a positive impact on Edgewater's social fabric.

Join Us Today!

As we look toward the future, we invite you to become part of our growing family at Fairwinds. Experience firsthand the benefits of being a member of a credit union that truly cares about your financial journey. With dedicated staff ready to assist you during our operating hours Monday through Thursday from 9:00 AM to 4:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM we're here for you when you need us most. Call us at 407-277-6030 or visit us online at Fairwinds today! Join us as we continue this journey together because at Fairwinds, your success is our mission!

Our Mission

At Fairwinds, our mission is clear: to empower our members through personalized financial solutions while fostering community growth and well-being. We understand that every member has unique needs; whether it's securing an auto loan or planning for retirement, we're here to help every step of the way. We offer a variety of services including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking options. Our dedication extends beyond just financial products; we actively engage in community outreach programs and partnerships that aim to uplift those around us.

Branch Location & Accessibility

Convenient Access and Amenities

At Fairwinds, we believe that accessibility matters. Our branch features ADA-compliant facilities, ensuring that everyone can comfortably access our services. There's ample parking available for members, so you won't have to worry about finding a spot when you visit us. Plus, for those who prefer quick service, we offer a drive-thru banking option, perfect for deposits and withdrawals without leaving your car.

Get in Touch!

Ready to experience exceptional service? Stop by Fairwinds today or give us a call at 407-277-6030. Our friendly team is eager to help you achieve your financial goals!

Operating Hours to Fit Your Schedule

We understand that life can be busy! That's why our lobby hours are designed to accommodate your schedule. You can visit us Monday through Thursday from 9:00 AM to 4:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. Our drive-thru hours extend even further open Monday through Friday from 8:00 AM to 5:30 PM and Saturday from 9:00 AM to 1:00 PM. We are closed on Sundays.

Services Tailored Just for You

Fairwinds offers a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we're here to support you every step of the way. Need cash? Our ATM is readily available for withdrawals and balance checks whenever you need it. While members can visit us at our Edgewater location for all transactions and inquiries, any official correspondence should be sent to the same address: 1504 S Ridgewood Ave, Edgewater, FL 32132.

Member Eligibility

At Fairwinds, we believe in creating a warm and welcoming community where everyone can thrive. If you're looking to join us, becoming a member is easier than you might think! You can qualify for membership if you live, work, or worship in the area around our branch located at 1504 S Ridgewood Ave Edgewater Fl 32132. It's all about being part of a friendly group that supports one another in achieving financial goals. For the most up-to-date details on eligibility, feel free to check out our website at . Once you're ready to take the next step, opening an account is simple! Just give us a call at (407) 277-6030 for assistance or stop by the branch during our convenient hours. Whether you're looking to save, borrow, or manage your finances better, Fairwinds has the resources and support you need to succeed. We can't wait to welcome you into our family!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine a busy Saturday at your local café. Customers line up, eager to enjoy their favorite brew. With our merchant services, you can accept payments easily and securely, ensuring a smooth experience for both you and your customers. From card processing to point-of-sale systems, we offer practical solutions that keep your business running efficiently. Located conveniently at 1504 S Ridgewood Ave Edgewater Fl 32132, Edgewater, FL 32132, our team is here to help you navigate your business banking needs. Contact us at (407) 277-6030 to learn more about how we can partner with you on your journey to success!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $974 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $876,661,123, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Solutions

For our business members, we provide comprehensive Business Banking services, including merchant services and business loans that empower entrepreneurs to thrive. We understand the challenges of running a business, and we're here to support your growth.

Convenient Access Anytime

In addition to in-branch services, we also offer convenient ATM & Cash Withdrawal Services along with basic drive-thru banking for simple transactions like deposits and withdrawals. Our location features an ATM so you can access your funds whenever needed without stepping inside. At Fairwinds, accessibility is key. Our digital banking features ensure that managing your finances is both convenient and secure. With services like mobile payments and person-to-person transfers, handling your finances has never been easier.

Financing Your Dreams

When it comes to financing, Fairwinds offers various options tailored just for you. Need a new car? Our Auto Loans & Vehicle Financing can help make that purchase easier than ever. If you're considering buying a home, explore our Mortgage Loans & Refinancing services, designed to guide you through every step of the process. Additionally, our Personal Loans & Debt Consolidation options can help you manage unexpected expenses or combine multiple debts into one manageable payment.

Get Started Today!

We invite you to visit us at 1504 S Ridgewood Ave Edgewater Fl 32132 or give us a call at (407) 277-6030 to learn more about how we can assist you with all your financial needs. Join our community of satisfied members who trust Fairwinds for their banking solutions! Your journey towards financial wellness starts here!

Personal Banking Made Easy

We understand that personal banking is essential for everyday life. That's why we offer Checking and Savings Accounts that help you manage your money effectively. With the option for online and mobile banking, you can check balances, make transfers, and pay bills from anywhere right from the comfort of your home or on the go.

Rewards That Benefit You

Don't forget about our Credit Cards with Rewards, offering benefits that can enhance your spending experience while saving you money on future purchases. These cards are ideal for those who want to earn rewards while using credit responsibly.

Digital & Online Banking

Convenient Online Banking Services

Our online banking platform at https://www.fairwinds.org/ is available 24/7, allowing you to check your balances, pay bills, and transfer funds whenever it suits you. You can enjoy the peace of mind that comes with secure access to your accounts. Plus, with e-statements available, you can easily keep track of your finances without the hassle of paper clutter.

Mobile Features for On-the-Go Banking

For those who prefer banking on their mobile devices, our mobile application makes it simple to manage your accounts anytime, anywhere. You can use mobile payments for quick transactions and even send money to friends or family with our person-to-person transfer feature. Whether you're out shopping or catching up with friends over coffee, banking is just a tap away.

Security You Can Trust

We prioritize your security with features like electronic signature authorization, ensuring that your transactions are safe and valid. Our user-friendly interface is designed to make navigation effortless so that you can focus on making smart financial decisions without any stress. At Fairwinds, we're committed to providing accessible banking solutions that fit into your lifestyle. Experience the convenience of modern banking today!

Financial Strength

At Fairwinds, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With our strong foundation, you can trust that your finances are in good hands. With a net worth of $496,858,200, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,061 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $1,017,123,120 in share certificates, offering stable and rewarding financial growth opportunities. Although we do not currently hold money market shares $0, we prioritize our members. With non-member deposits at $19,891,421, our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. Our commitment to serving our members is backed by $448,641,693 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. Furthermore, with $21,447 in used auto loans and $3,069,180,467 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our performance is also reflected in our net income of $47,523,760, showcasing our operational efficiency and enabling us to continue offering competitive loan rates and solid financial products for our members. We pride ourselves on having 570 full-time employees and 11 part-time employees who are always ready to assist you with a knowledgeable and dedicated team. Net Shares (Funds available for lending and investments): $17,697,509. Additionally, with a total of 606,068 accounts established, we show a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Fairwinds is your trusted partner. Visit us at 1504 S Ridgewood Ave Edgewater Fl 32132 or call (407) 277-6030 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $358,387,055 in used vehicle loans and $174,181,280 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates that make it easier for you to drive away with the vehicle you need.

Credit Lines and Commercial Loans

For those who need additional flexibility in managing cash flow or funding a business venture, our total credit lines amount to $1,008,298,137. For business owners specifically, our outstanding commercial loans totaling $876,661,123 provide the capital needed to grow and expand. At Fairwinds, we prioritize making your borrowing experience as straightforward as possible. If you're considering refinancing your existing loans or are curious about eligibility options for any of our products, our team is here to assist you every step of the way. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Stop by our branch or visit us online at Fairwinds.org to learn more about how we can help you achieve your financial dreams today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $196,605,200, make buying or refinancing simple. We guide you through every step of the mortgage process so that you feel confident in your decision.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $93,761,364 in loans helping members manage their finances effectively. This option is great for those looking to consolidate debt or make larger purchases without tying up their savings.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a commitment to transparency and reliability, LendMesh is a trusted tool for those looking to make informed borrowing decisions. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This approach guarantees that users receive fair and transparent offers based on the latest results (Source: https://www.ncua.gov). By working only with verified financial institutions, LendMesh provides an environment where users can confidently explore their options. One of the key benefits of using LendMesh is its verified data. Loan offers come exclusively from legitimate financial institutions, which means users can trust that they are seeing genuine options. Additionally, LendMesh maintains a strict policy of no sponsored listings; lenders are not prioritized based on paid promotions. This dedication to unbiased results helps users find the most suitable loans without unnecessary pressure or influence. Another significant advantage is real-time rate comparisons. LendMesh continuously updates loan rates from multiple institutions, allowing users to make informed decisions based on current market conditions. This feature is crucial in helping borrowers find competitive rates quickly and effectively. Thousands of users trust LendMesh for loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial reflects the positive impact that LendMesh has had on individuals seeking better loan options. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Fairwinds