Fairwinds Credit Union New Smyrna Beach FL | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Fairwinds, your trusted partner in financial growth and community support right here in New Smyrna Beach, FL. Located at 2222 Florida 44, we have been serving our valued members since 1949, building a strong foundation of trust and reliability in the heart of our community. With over 232,000 members, our credit union is dedicated to providing exceptional personal banking solutions tailored to meet your unique needs. At Fairwinds, we pride ourselves on our robust financial health, boasting total assets of $4,832,971,664 and total deposits reaching $186,382,647. We understand that your financial journey is important, which is why we offer a range of services from checking and savings accounts to auto loans and mortgages. Our commitment to you goes beyond just numbers; it's about making a real impact in our community. Led by CEO Larry Tobin and Board President Elizabeth Krahmer, our team of 581 dedicated employees is here to assist you every step of the way. Whether you're looking for a new vehicle loan or need assistance with business banking services, we are equipped to help you succeed. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same location: 2222 Florida 44, New Smyrna Beach, FL 32168. If you have questions or need assistance, feel free to reach out at 407-277-6030. Join us at Fairwinds today where your financial goals become our mission! Visit us online at Fairwinds.org for more information about how we can support your financial journey.

Branch History & Mission

At Fairwinds, we pride ourselves on a rich history that spans over seven decades, deeply rooted in the community of New Smyrna Beach, FL. Opened in 1949, our branch has grown alongside our members, witnessing and supporting countless milestones in their lives. From the very beginning, our mission has been to provide exceptional financial services while fostering a spirit of community and support. Located at 2222 Florida 44, right near the heart of New Smyrna Beach, we are easily accessible for all your banking needs. Our branch address is just a stone's throw away from local landmarks that many know and love, making it convenient for you to stop by and say hello. While members can visit us at this address, official correspondence should be sent to the same location: 2222 Florida 44, New Smyrna Beach, FL 32168. With a total membership of 232,476 and total assets amounting to an impressive $4,832,971,664, Fairwinds continues to thrive as a pillar of financial strength in the region. Our commitment goes beyond just numbers; it's about making a real difference in people's lives. We offer a wide array of services including personal banking solutions like checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking options. Whether you're looking for simple transactions at our drive-thru or want to manage your finances online or through mobile banking, we have you covered. The mission of Fairwinds is clear: we strive to empower our members by providing reliable financial products and services while also being actively involved in community outreach efforts. We understand that when our members succeed, so does our community. We regularly engage in initiatives that support local schools and charities because we believe in giving back. In addition to our core offerings, we are committed to providing modern conveniences such as online banking and mobile payments. With ATM availability and drive-thru services, managing your money has never been easier or more convenient. As we look towards the future with excitement and determination under the leadership of CEO Larry Tobin and Board President Elizabeth Krahmer, we invite you to join our family at Fairwinds. Experience firsthand what makes us different a commitment not only to your financial health but also to building a stronger community together. Stop by today or give us a call at 407-277-6030. Let Fairwinds help you achieve your financial dreams!

Branch Location & Accessibility

Welcome to Fairwinds at our New Smyrna Beach branch, conveniently located at 2222 Florida 44. This prime spot is not only easy to find but also close to local landmarks like the scenic New Smyrna Beach itself and various shopping centers. Whether you're coming from nearby neighborhoods or just passing through, our location ensures that you have access to all your banking needs. At Fairwinds, we strive to make banking as convenient as possible. Our branch features a drive-thru for quick transactions, allowing you to handle your banking without even leaving your car. Plus, we have ample parking available right outside for those who prefer to walk in. We are committed to accessibility, ensuring that everyone can visit us comfortably, including ADA-compliant features throughout the branch. While members can visit us at 2222 Florida 44 for all their financial needs, official correspondence should be sent to the same address: 2222 Florida 44, New Smyrna Beach, FL 32168. Our lobby hours are designed with your busy schedule in mind: Monday through Thursday from 9 AM to 4 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. We're closed on Sundays so our team can recharge and be ready to assist you during the week. If you need assistance outside of these hours, our drive-thru operates Monday through Friday from 8 AM to 5:30 PM and on Saturdays from 9 AM to 1 PM. You can reach us directly at (407) 277-6030 for any questions or assistance you might need before your visit. With an ATM available on-site and a full range of services including personal banking, auto loans, mortgages, and more, we're here to help you achieve your financial goals. We invite you to stop by Fairwinds in New Smyrna Beach today! Experience friendly service and discover how we can support your financial journey.

Member Eligibility

At Fairwinds, we believe that becoming a member is about joining a community that genuinely cares. If you're wondering whether you can be part of our family, let me tell you it's quite simple! Membership is open to those who live, work, worship, or attend school in specific areas, and we welcome everyone who shares our values. This means that if you're in the neighborhood around 2222 Florida 44 New Smyrna Beach Fl 32168, there's a good chance you can join us! You'll enjoy great benefits like lower loan rates, personalized service, and access to our wide range of financial products tailored just for you. To start your journey with us, check out the detailed eligibility criteria on our website at . It's straightforward and designed to make sure everyone feels included. When you're ready to open an account, feel free to give us a call at (407) 277-6030 or visit us during our convenient hours. We can't wait to welcome you into the Fairwinds family!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer essential merchant services that can help streamline your operations. Imagine a busy weekend at your local shop; you want to ensure every customer can pay easily. Our merchant services enable businesses like yours to accept payments seamlessly, manage transactions efficiently, and provide a better experience for customers. Located at 2222 Florida 44 New Smyrna Beach Fl 32168 in New Smyrna Beach, FL, we're here to empower your business with the right tools and resources. Let's grow together! For more information, give us a call at (407) 277-6030.

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 Services

For our members who own businesses, we have tailored Business Banking services that include merchant services and business loans. We're here to support your entrepreneurial journey, making it easier for you to focus on what matters most growing your business.

Digital Convenience

In today's fast-paced world, having access to your finances at your fingertips is crucial. Our robust Online & Mobile Banking platforms allow you to manage your accounts anytime, anywhere. You can easily check balances, transfer funds, and even pay bills all from the comfort of your home. Our members also benefit from convenient ATM access and cash withdrawal services. Whether it's a quick trip to grab some cash or making a deposit on the go through our drive-thru service, we've got you covered with easy banking solutions.

Flexible Loan Options

Life can throw unexpected expenses your way, which is why we offer Personal Loans & Debt Consolidation solutions. Whether you're planning a vacation or need assistance managing debts, our loans provide the flexibility you need to navigate life's ups and downs. And don't forget about our credit cards! With Credit Cards with Rewards, you can earn benefits on everyday purchases. Think about how rewarding it would be to get cash back or travel points just for using your card.

Personal Banking Solutions

We understand that managing your finances can sometimes feel overwhelming. That's why we offer Personal Banking services, including checking and savings accounts tailored to help you save for short-term goals or build long-term wealth. Imagine having the peace of mind that comes with knowing your money is safe and growing. When it comes to financing, our Auto Loans & Vehicle Financing options make purchasing a new or used vehicle more manageable. Picture yourself driving off in your dream car, all while enjoying competitive rates and flexible terms. For those looking to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services are here to guide you through the process. We know that finding the right mortgage can be daunting, but our team is ready to assist you every step of the way.

Visit Us Today!

We invite you to explore all that Fairwinds has to offer at our branch located at 2222 Florida 44 New Smyrna Beach Fl 32168, New Smyrna Beach, FL 32168. Have questions? Don't hesitate to reach out at (407) 277-6030. Come experience how banking can be simple and friendly with us! Your financial journey starts here let's take it together!

Digital & Online Banking

Key Features

With our 24/7 Online Banking Services, you can check your balance, transfer funds, and pay bills right from your computer or mobile device. Visit us at https://www.fairwinds.org/ to get started. Our user-friendly platform makes banking straightforward and efficient, so you can focus on what matters most. For added convenience, we provide E-Statements that allow you to view your account statements online instead of waiting for them to arrive in the mail. This feature not only saves paper but also gives you quick access to your financial history. Plus, with Electronic Signature Authorization, signing documents is faster and easier than ever. If you're always on the move, our Mobile Application has got you covered. You can easily make Mobile Payments, conduct Person-to-Person Transfers, and manage your accounts from anywhere. All these features are designed with security in mind, ensuring that your information stays safe while you bank. We're committed to making banking accessible for everyone. With tools like these, managing your finances is simpler and more efficient than ever before. Join us at Fairwinds today and experience the convenience of modern banking!

Financial Strength

A Growing Community

Our branch is home to a strong community of savers and borrowers with a total of 606,068 share accounts. This growing member base trusts us with their finances, reinforcing our commitment to delivering exceptional service. 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 2222 Florida 44 New Smyrna Beach Fl 32168 or call (407) 277-6030 to learn more about how we can help you achieve your financial goals.

Committed to Growth

With $448,641,693 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is significant; we have $21,447 in used auto loans and a total of $3,069,180,467 in loans and leases available to support your financial goals across various sectors.

Member Savings and Investments

Members' savings are secured through $1,017,123,120 in share certificates, offering stable and rewarding financial growth opportunities. While we currently have $0 in money market shares, it's important to note that our focus remains on maximizing benefits for our members. Unlike traditional banks, we prioritize our members. With non-member deposits at $19,891,421, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $47,523,760, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 570 full-time employees and 11 part-time employees who are committed to serving you with knowledge and dedication.

Strong Financial Health

With a net worth of $496,858,200, we maintain strong 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.

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 financing options for both new and used vehicles to ensure you find the right fit for your budget.

Business Loans

For business owners looking to grow and expand their operations, our outstanding commercial loans totaling $876,661,123 provide the capital needed to seize new opportunities. We understand the challenges that businesses face and are committed to supporting local entrepreneurs with tailored financing solutions. At Fairwinds, we also recognize that refinancing can be a valuable option for many borrowers. If you're considering refinancing any of your existing loans or exploring eligibility options for our products, please don't hesitate to reach out. Our team is ready to assist you in finding the best solution for your financial situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Join us today and let Fairwinds help pave your way toward financial success!

Credit Lines and Unsecured Credit Card Loans

For those seeking additional flexibility in managing finances, we have credit lines available totaling $1,008,298,137. Additionally, 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. These options allow you to handle unexpected expenses or take advantage of opportunities as they arise.

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 offer various mortgage products designed to meet your unique needs while guiding you through every step of the process.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This approach ensures fair and transparent offers, allowing users to compare rates confidently.

FAIRWINDS CREDIT UNION - New Smyrna Beach, FL