Fairwinds Credit Union Oviedo FL | Low Mortgage Rates & Rewards Cards

Introduction

Welcome to Fairwinds, your trusted partner in financial well-being, located at 1425 E Mitchell Hammock Rd, Oviedo, FL 32765. Since our establishment in 1949, we have proudly served the community with a commitment to providing exceptional banking services tailored to meet your needs. With over 232,000 members and total assets amounting to an impressive $4,832,971,664, Fairwinds is not just a credit union; we're a cornerstone of financial support for individuals and businesses alike. Our dedicated team, led by CEO Larry Tobin and Board President Elizabeth Krahmer, works tirelessly to ensure that you receive personalized service and innovative financial solutions. Whether you're looking for a checking account, auto loan, or mortgage refinancing, we offer a variety of services designed to help you achieve your financial goals. Currently, we hold over $186,382,647 in deposits and have granted 116,451 loans, showcasing our active role in empowering our members. While you can reach us directly at 407-277-6030, we invite you to explore our website at Fairwinds.org for more information on how we can assist you. If you're sending any official correspondence, please note that it should be directed to the same address as our branch. At Fairwinds, we believe in making a positive impact on our community. Our focus on member satisfaction and responsible lending practices sets us apart as a reliable financial institution. We are here to guide you through every step of your financial journey with integrity and transparency. Visit us today or call us to discover how we can help you make the most of your money!

Branch History & Mission

Join Us

As we continue on this journey together, we invite you to experience the Fairwinds difference for yourself. Whether you're looking for financial products or want to learn more about how we can help you achieve your goals, we're here for you every step of the way. Visit us today or explore more about what we offer online at Fairwinds.org. Join us as we build not just a bank but a vibrant community where everyone can thrive!

Our Journey

Fairwinds began with a simple vision: to offer a safe and reliable banking alternative for our community. From our humble beginnings, we have evolved into a trusted credit union that prioritizes the needs of its members. Our commitment to personal banking has never wavered; instead, it has strengthened as we adapt to meet the changing financial landscape. With our headquarters situated just a short drive away in Orlando, we've expanded our reach and capabilities while staying true to our roots. Our branch is equipped with modern facilities, including a drive-thru service and ATM access for your convenience. We understand that life can get busy, which is why we strive to make banking easy and accessible for everyone.

Our Mission

At Fairwinds, our mission is clear: we aim to enhance the financial well-being of our members and empower them through education and support. We believe in fostering lasting relationships by offering personalized services that cater to individual needs whether it's through checking and savings accounts, auto loans, or mortgage refinancing. Our dedication extends beyond banking; we actively participate in community outreach programs that support local initiatives and uplift those around us. By partnering with various organizations and participating in local events, we reinforce our commitment to making Oviedo a better place for everyone. While you can visit us at 1425 E Mitchell Hammock Rd Oviedo Fl 32765, please note that official correspondence should be sent to 1425 E Mitchell Hammock Rd, Oviedo, FL 32765-9144. If you have any questions or need assistance, don't hesitate to reach out at (407) 277-6030.

Branch Location & Accessibility

ATM Availability and Drive-Thru Banking

Need cash on the go? You're in luck! We have an ATM available for your convenience right here at the branch. Plus, our drive-thru service allows for quick transactions without leaving your vehicle perfect for those busy days when time is of the essence. We invite you to visit Fairwinds in Oviedo today or give us a call at 407-277-6030 if you have any questions. Our team looks forward to serving you!

Nearby Landmarks and Parking

Situated close to local landmarks like the popular Oviedo Marketplace, our branch is easy to find. Ample parking is available right outside, so you can park with ease and head inside without any hassle. We also offer ADA-compliant features to ensure that all members of our community can access our services comfortably.

Operating Hours and Services

Our lobby hours are designed to fit into your busy schedule. We welcome you Monday through Thursday from 9 AM to 4 PM, and on Fridays until 6 PM. For those who prefer drive-thru banking, we are open Monday through Friday from 8 AM to 6 PM and Saturday from 9 AM to 1 PM. Whether you need help with personal banking, auto loans, mortgage financing, or even business banking services, our friendly staff is here to assist you every step of the way.

Member Eligibility

At Fairwinds, we believe that everyone deserves to be part of a caring and supportive financial community. Becoming a member is easy and welcoming, just like family. To join us, you simply need to meet certain eligibility criteria which include living, working, or worshiping in our community. We're all about inclusivity, so if you have a family member who is already a member, you can join too! For those interested in detailed eligibility requirements, feel free to visit our website at . Once you're ready to take the next step, opening an account with us is straightforward. You can call us at (407) 277-6030 for assistance or stop by our branch located at 1425 E Mitchell Hammock Rd Oviedo Fl 32765. Our friendly team is here to guide you through the process and answer any questions you may have. Join us today at Fairwinds where your financial journey is supported every step of the way!

Business Banking & Commercial Services

Business 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.

Merchant Services

When it comes to transactions, smooth operations are crucial. Our merchant services offer easy payment processing solutions that allow you to focus on what really matters running your business. Whether you're a small shop or a larger enterprise, our services help streamline payments and improve customer satisfaction. Located at 1425 E Mitchell Hammock Rd, Oviedo, FL 32765, Fairwinds is dedicated to helping local businesses thrive. Let us partner with you on your journey toward success! For more information, call us at 407-277-6030 or visit Fairwinds.

Comprehensive List Of Services

Business Banking Solutions

If you own a business, we've got your back too! Our Business Banking services include essential features like Merchant Services & Business Loans, which are designed to help your business thrive in today's market.

Credit Cards with Benefits

With our Credit Cards with Rewards, you can earn points on everyday purchases while enjoying low-interest rates. It's a great way to get more from your spending!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer comprehensive Online & Mobile Banking services. Manage your accounts from anywhere using our user-friendly mobile app or website. Need cash? Our ATM & Cash Withdrawal Services make it easy to access your money anytime.

Drive-Thru and ATM Access

For those who prefer face-to-face service without leaving their car, our Basic Drive-Thru Banking allows for deposits, withdrawals, and simple transactions at your convenience. We also provide Basic ATM Access for quick cash withdrawals and balance checks. At Fairwinds, we are committed to ensuring that all members have access to exceptional financial services tailored just for them. With our dedicated team ready to assist you every step of the way, managing your finances has never been easier. Ready to learn more about how we can help you achieve your financial goals? Contact us at (407) 277-6030 or visit us at https://www.fairwinds.org/ today!

Loans Made Easy

Are you dreaming of a new car or planning to buy a home? At Fairwinds, we understand that life's big moments often require financing. Our Auto Loans & Vehicle Financing help you get behind the wheel without breaking the bank. If you're considering purchasing a home, our Mortgage Loans & Refinancing options offer flexibility and competitive rates tailored to your needs. Plus, for those unexpected expenses or consolidating debt, our Personal Loans & Debt Consolidation products provide quick access to funds when you need them most.

Personal Banking

Imagine having a checking or savings account that not only fits your lifestyle but also helps you reach your financial goals. With our Personal Banking options, including Checking & Savings Accounts, you can enjoy features like easy online access and competitive interest rates. Our accounts are designed to make daily banking simple and rewarding.

Digital & Online Banking

Convenient Features for You

Stay organized with e-statements, which provide a quick and easy way to keep track of your financial activity without cluttering your mailbox. Plus, if you're always on the move, our mobile application lets you access your accounts directly from your smartphone. Whether you're checking balances or making payments, everything is right at your fingertips. If you want to send money to friends or family quickly, our person-to-person transfer service is a great option. It's simple and fast, allowing you to share funds securely whenever needed. And for those times when you're out shopping or dining, enjoy the convenience of mobile payments making transactions as easy as a tap on your phone.

Security You Can Trust

We prioritize your security with robust measures in place for all digital transactions. Your information is safeguarded so that you can bank with confidence. Our user-friendly features not only make banking easier but also ensure that you have control over your finances in real time. With all these tools available at Fairwinds, managing your finances has never been more accessible or secure. Experience the future of banking today!

Financial Strength

Growing Together

Total Share Accounts: 606,068, show a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $17,697,509, highlighting our capability to support your future endeavors. 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 1425 E Mitchell Hammock Rd Oviedo Fl 32765 or call (407) 277-6030 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

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 supports members' financial goals with $21,447 in used auto loans and $3,069,180,467 in total loans and leases.

Member-Centric Savings

Members' savings are secured through $1,017,123,120 in share certificates, offering stable and rewarding financial growth opportunities. 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 impressive $47,523,760 reflects our operational efficiency, enabling 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Foundation

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 also provide refinancing options to make your payments even more manageable.

Credit Lines and Commercial Loans

For those looking for added flexibility or running a business, our total credit lines amount to $1,008,298,137, providing ample resources for personal or commercial ventures. Furthermore, for business owners seeking growth opportunities, our outstanding commercial loans totaling $876,661,123 provide the necessary capital to expand and thrive. At Fairwinds in Oviedo (1425 E Mitchell Hammock Rd), our dedicated team is ready to assist you through every step of the loan process. You can reach us at 407-277-6030 during our operating hours: Lobby M-Th 9 am - 4 pm; Fri 9 am - 6 pm; Saturday 9 am - 1 pm. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whatever your financial needs may be, Fairwinds is here to support you on your journey toward success!

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 strive to provide competitive rates and flexible terms so that you can secure the home you've always wanted.

Unsecured Credit Card Loans

Managing finances can be challenging at times. That's why we also offer flexible terms on unsecured credit card loans, with a total of $93,761,364 in loans helping members effectively navigate their expenses. These cards are designed with your convenience in mind.

Loan Aggregator

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Fairwinds