Fairwinds Credit Union Oviedo FL | Top Auto Loans & Mobile Banking

Introduction

Welcome to Fairwinds, your trusted credit union located at 8305 Red Bug Lake Rd, Oviedo, FL 32765. Since our establishment in 1949, we have dedicated ourselves to serving the financial needs of our community with transparency and care. With a total membership exceeding 232,000, we are proud to be a pillar of support for individuals and families in Oviedo and beyond. At Fairwinds, we understand that banking is more than just transactions; it's about building relationships. Our commitment to our members is evident in our impressive financial standing, boasting total assets of $4,832,971,664 and total deposits of $186,382,647. We take pride in offering a range of services tailored to meet diverse financial needs from personal banking options like checking and savings accounts to auto loans and business financing. Under the leadership of our CEO, Larry Tobin, and Board President, Elizabeth Krahmer, we strive to create a welcoming environment where every member feels valued. Our team of 581 employees is here to assist you in achieving your financial goals while ensuring you receive personalized service every step of the way. While members can visit us at our branch location for any inquiries or assistance, official correspondence should be directed to the same address: 8305 Red Bug Lake Rd, Oviedo, FL 32765. We invite you to explore all that Fairwinds has to offer by visiting our website at www.fairwinds.org or calling us at 407-366-4868. Whether you're looking for advice on loans or need help managing your finances, we're here for you!

Branch History & Mission

Commitment to Innovation

As times change, so do we. Our commitment to innovation ensures that members can access banking services conveniently through online platforms and mobile applications. Whether it's applying for a loan or managing accounts from your phone, we're here to provide seamless experiences while remaining compliant with ADA standards. While members can visit us at 8305 Red Bug Lake Rd, official correspondence should be sent to 8305 Red Bug Lake Rd, Oviedo, FL 32765 if different needs arise.

Join Us Today!

With convenient operating hours Monday through Thursday from 9 AM to 4 PM and Friday from 9 AM to 6 PM alongside drive-thru banking available until 6 PM on weekdays, we aim to make banking easy for you. Plus, with ATM availability right on-site, accessing your funds has never been simpler. We invite you to join Fairwinds today! Experience the benefits of being part of a credit union that values you as a member and actively works towards your financial success. For more information or assistance, feel free to reach out at 407-366-4868 or visit us online at Fairwinds.org. Together, let's build a brighter future!

Our Mission

At Fairwinds, our mission is simple yet powerful: to enrich the lives of our members by offering exceptional financial services while fostering community support. We believe that banking should be accessible and beneficial for everyone. That's why we offer a range of services tailored to meet diverse needs from checking and savings accounts to auto loans, mortgages, and credit cards with rewards. We recognize that our success is intertwined with the well-being of our members and the broader Oviedo community. We actively engage in outreach efforts and partnerships that uplift local organizations and support various initiatives aimed at improving lives.

Branch Location & Accessibility

Welcome to Fairwinds, your friendly neighborhood credit union located at 8305 Red Bug Lake Rd in Oviedo, Florida! Nestled in the heart of Seminole County, our branch is conveniently situated near popular landmarks and local attractions, making it easy for you to stop by whenever you need banking services. Whether you're running errands or enjoying a day out in the area, we're here to serve you. Our branch is designed with accessibility in mind. You will find ample parking available, including spaces for those with disabilities. The entrance features ADA-compliant ramps, ensuring everyone can access our services comfortably. Inside, our team is ready to assist you with a range of personal banking options, from checking and savings accounts to auto loans and mortgage refinancing. If you're looking for convenience, we offer both ATM availability and drive-thru banking. Our drive-thru service operates from 8 AM to 6 PM on weekdays, allowing you to complete simple transactions without leaving your vehicle. Plus, our ATM provides quick access for cash withdrawals and balance checks any time you need it. We understand that life can get busy, which is why our lobby hours are designed to fit your schedule. Visit us Monday through Thursday from 9 AM to 4 PM and on Fridays from 9 AM to 6 PM. While members can visit us at 8305 Red Bug Lake Rd, official correspondence should be sent to the same address for ease of communication. Have questions? Don't hesitate to reach out! You can call us at 407-366-4868. We look forward to welcoming you to Fairwinds!

Member Eligibility

Joining the Fairwinds family means becoming part of a welcoming community that genuinely cares about your financial well-being. At our branch located at 8305 Red Bug Lake Rd, Oviedo, FL 32765, we believe in making banking accessible for everyone. To become a member, you simply need to meet our eligibility criteria, which often includes living or working in the area, or being affiliated with specific organizations. Don't worry if you're unsure about your eligibility; feel free to reach out to us at 407-366-4868 for assistance or check out more detailed information at our website. Opening an account is just as easy! We strive to make the process smooth and straightforward, ensuring that you can start enjoying the benefits of membership right away. As a member of Fairwinds, you'll gain access to a variety of financial services tailored to your needs whether it's personal banking, auto loans, or online banking options. We're here to support you every step of the way!

Business Banking & Commercial Services

Commercial 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

But it doesn't stop there. Our merchant services streamline your payment processes, making it easier for your customers to do business with you. Imagine the ease of accepting payments anywhere whether at your storefront or online giving your customers flexibility while boosting your sales. Located at 8305 Red Bug Lake Rd Oviedo Fl 32765 in Oviedo, FL, we're here to partner with you every step of the way. For more information, give us a call at (407) 366-4868 or visit our website at https://www.fairwinds.org/. Let's work together to take your business to the next level!

Comprehensive List Of Services

ATM Services

With our ATM & cash withdrawal services, accessing your funds is quick and easy. You can perform basic transactions like deposits and balance checks at our ATMs or enjoy the ease of using our drive-thru for simple banking needs. At Fairwinds, we strive to create an inviting atmosphere where members feel valued. Our friendly staff is always ready to assist with any questions or concerns you may have about our services. Come visit us today at 8305 Red Bug Lake Rd Oviedo Fl 32765 in Oviedo, FL, or check out our website at Oviedo - Red Bug for more information about how we can help meet your financial needs. Let us partner with you on your financial journey!

Business Banking

If you're running a business, our business banking services, including merchant services and business loans, will help you manage your finances more effectively. We understand the unique challenges small businesses face, and we're here to support your growth.

Credit Cards

For those who want rewards on their purchases, our credit cards with rewards offer benefits that can enhance your spending power while allowing you to earn points or cash back on everyday expenses.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. Whether it's checking balances, making transfers, or paying bills, we put the power in your hands.

Home Financing

Looking to buy a home? Our team is here to guide you through the process with our comprehensive mortgage loans and refinancing options. We understand that purchasing a home is one of the biggest decisions you'll make, and we're committed to providing support every step of the way.

Personal Banking

Our personal banking services are tailored to fit your lifestyle. We offer checking and savings accounts that allow you to easily manage your money, along with competitive interest rates to help your savings grow. If you're thinking about buying a car, our auto loans and vehicle financing options make it simple to get behind the wheel without breaking the bank.

Personal Loans

Need extra cash for an unexpected expense or planning a big purchase? Our personal loans and debt consolidation services can provide you with the financial flexibility you need. We work with you to find solutions that fit your budget and goals.

Digital & Online Banking

Key Services

With just a few clicks, you can manage your accounts from anywhere using our online banking system available at https://www.fairwinds.org/. You'll find it easy to check balances, transfer funds, and pay bills all in one place. If you prefer managing your finances on your smartphone, don't forget to download our mobile application, which brings all these features right to your fingertips.

Real-Time Management

With our online banking services, you can monitor your account activity in real-time. This means you can stay updated on every transaction and manage your budget effectively. With everything streamlined into one platform, accessing your financial information has never been easier. In today's fast-paced world, having reliable digital banking options is crucial. At Fairwinds, we're committed to providing accessible and secure online banking solutions that make managing your money straightforward and stress-free. Visit us online today!

Security and Convenience

We prioritize your security with features like electronic signature authorization, allowing you to sign documents digitally without the hassle of printing and scanning. Plus, you can opt for e-statements instead of paper ones for an eco-friendly and convenient way to keep track of your financial statements. Want to send money to a friend? Our person-to-person transfer feature makes it simple and quick. And if you're looking for a way to make payments easier, we support mobile payments so you can pay with just a tap from your phone.

Financial Strength

Dedicated Team to Serve You

We also take pride in having 570 full-time employees and 11 part-time employees ready to assist you with any inquiries or needs you may have. Our dedicated team ensures that when you visit us at 8305 Red Bug Lake Rd Oviedo Fl 32765, you receive knowledgeable support tailored to your unique situation.

Growing Community Trust

With a total of 606,068 share accounts held by our community of members, it's clear that many trust us with their finances. This growing base is a testament to the reliability and strength of Fairwinds, which continues to thrive as a member-focused institution. 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 8305 Red Bug Lake Rd Oviedo Fl 32765 or call (407) 366-4868 to learn more about how we can help you achieve your financial goals.

Member-Centric Focus

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.

Reinvestment in Member Services

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. This commitment allows us to keep improving our offerings while maintaining the trust you've placed in us.

Secure Savings Options

Members' savings are secured through $1,017,123,120 in share certificates, offering stable and rewarding financial growth opportunities. Although we currently have no money market shares, our focus remains on providing the best possible returns for your investments.

Solid 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.

Supporting Your Financial Goals

We understand that achieving your financial goals often requires borrowing. That's why with $21,447 in used auto loans and $3,069,180,467 in total loans and leases, our lending capacity supports members' needs across various sectors. Additionally, our $47,523,760 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already provided $358,387,055 in used vehicle loans and $174,181,280 in new vehicle loans to help our members get on the road. Our flexible terms make it easier for you to drive away with the vehicle you want without stretching your budget.

Credit Lines and Refinancing

For those looking for additional flexibility with their finances, our total credit lines amount to $1,008,298,137. If you're considering refinancing an existing loan or exploring eligibility options for any of our products, we encourage you to reach out. Our team is dedicated to helping you find solutions that fit your unique needs. At Fairwinds Credit Union, we are committed to providing not just loans but also financial peace of mind. For more information on how we can assist you or if you're ready to apply for a loan today, please call us at 407-366-4868 or visit us online at Fairwinds.org. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $196,605,200, making buying or refinancing simple. We understand that this is a significant step in your life, and we are here to provide support every step of the way.

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. These cards can be an excellent way to handle unexpected expenses while enjoying the benefits of rewards programs tailored to your lifestyle.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures 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 commitment to transparency ensures that all offers presented are fair and reflective of current market conditions.

Fairwinds