Fairwinds Credit Union Sanford FL | Best Auto Loans & Checking

Introduction

Welcome to Fairwinds, your trusted partner in financial services located at 420 W 1St St, Sanford, FL 32771. Since our establishment in 1949, we have proudly served our community with a commitment to helping you achieve your financial goals. With over 232,000 members and total assets exceeding $4.8 billion, we are dedicated to providing personalized banking solutions that make a difference in your life. At Fairwinds, we understand the importance of trust and reliability when it comes to managing your finances. That's why we offer a range of services designed for both personal and business needs, including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and more. Our total deposits stand at $186,382,647, showcasing our solid foundation built on member confidence and satisfaction. Our leadership team is here to support you every step of the way. Led by CEO Larry Tobin and Board President Elizabeth Krahmer, our experienced staff is committed to delivering exceptional service tailored just for you. With a dedicated workforce of 581 employees, we're ready to assist you during our lobby hours from Monday to Thursday between 9 AM and 4 PM, and until 6 PM on Fridays. While members can visit us at our Sanford location for all their banking needs, official correspondence should be sent to the same address: 420 W 1st St, Sanford, FL 32771. For any inquiries or assistance, feel free to reach out at 407-548-6223. Join us at Fairwinds today and discover how we can help you navigate your financial journey with ease and confidence! Explore more about our services online at Fairwinds.org.

Branch History & Mission

Community Engagement

At Fairwinds, we actively participate in various community outreach programs. We strive to build meaningful partnerships that contribute positively to Sanford and its surrounding areas. From financial literacy workshops to local charity events, we are dedicated to making a difference. Our commitment extends beyond traditional banking; we embrace modern technology by offering online and mobile banking options for added convenience. Plus, with features like ADA compliance and drive-thru banking services available, everyone can access what they need without hassle.

Join Us

We invite you to become part of the Fairwinds family. Experience firsthand how we can support your financial journey while also giving back to our vibrant community. Whether you are new to banking or looking for a better experience, we're excited to welcome you! Feel free to contact us at (407) 548-6223 or visit our website at Fairwinds for more information on how we can serve you better. Let's grow together!

Our Mission

Fairwinds is more than just a credit union; we are a community-focused organization committed to enhancing the lives of our members. Our mission is simple: to offer personalized financial solutions while fostering a strong sense of community support. We believe in empowering our members through education and resources that encourage responsible banking practices. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, we are here to help. We also provide business banking services tailored to meet the needs of local entrepreneurs. While members can visit us at 420 W 1St St Sanford Fl 32771, official correspondence should be sent to 420 W 1st St, Sanford, FL 32771. With convenient operating hours Monday through Thursday from 9 AM to 4 PM and Friday until 6 PM you can easily find time to connect with us.

Branch Location & Accessibility

Connect With Us

Have questions? Don't hesitate to reach out! You can call us at 407-548-6223 for any inquiries or assistance. We look forward to welcoming you at Fairwinds your trusted partner in financial success! Come by today and experience the difference!

Convenient Access

Our branch is conveniently located near popular landmarks that make us easy to find. Just a short drive from downtown Sanford, you can enjoy hassle-free parking right outside our doors. We are committed to accessibility, featuring ADA-compliant entrances and ramps to ensure everyone can access our services with ease.

Operating Hours

At Fairwinds, we understand that your time is valuable. That's why we offer flexible operating hours. Visit us Monday through Thursday from 9 AM to 4 PM and on Fridays from 9 AM to 6 PM. Our team is ready to assist you during these hours, ensuring you have ample opportunity to handle your banking needs.

Services Offered

We provide a range of services tailored to fit your lifestyle. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. If you prefer quick transactions, take advantage of our drive-thru service for deposits and withdrawals without leaving your car. Plus, with ATM availability on-site, accessing cash has never been more convenient. While members can visit us at 420 W 1st St for all their banking needs, any official correspondence should be sent to the same mailing address for consistency.

Member Eligibility

At Fairwinds, we believe that becoming a member means joining a supportive community where your financial needs come first. If you're interested in joining us, you'll find that the eligibility criteria are quite welcoming. Generally, anyone who lives, works, worships, or attends school in our local area can become a member. This means if you're part of our vibrant Sanford community or nearby, you're likely eligible! We encourage you to check out the detailed eligibility requirements at for the most accurate and updated information. Joining Fairwinds is straightforward and offers numerous benefits, from competitive loan rates to personalized service that puts you first. Plus, once you're a member, you'll have access to a range of financial products tailored just for you. To open an account or learn more about the process, feel free to visit us at our branch located at 420 W 1St St Sanford Fl 32771, or give us a call at (407) 548-6223. We're here to help you every step of the way on your journey to financial wellness!

Business Banking & Commercial Services

Merchant Services That Make Sense

In addition to loans, we offer merchant services designed to streamline your operations. Imagine being able to accept payments from your customers quickly and efficiently whether they're shopping online or visiting your store. Our services help you manage transactions smoothly, so you can focus on what truly matters: growing your business. Located at 420 W 1St St, Sanford, FL 32771, we are here to provide the support you need. Reach out to us at 407-548-6223 and discover how Fairwinds can help your business thrive!

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

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? We offer competitive auto loans and vehicle financing options tailored to fit your budget. Our team is here to help guide you through the process, ensuring you get the best rates available. Picture driving off in your dream car with a payment plan that feels just right for your wallet.

Business Banking Solutions

For our members running businesses, we offer tailored business banking solutions including merchant services and business loans. We understand how crucial it is for small businesses to have reliable support, and we're here to ensure that you have access to the resources necessary for growth.

Convenient Access Options

We know that convenience matters when it comes to banking. At Fairwinds, we provide ATM services and cash withdrawal options so you can access your money anytime. Plus, our basic drive-thru banking allows for quick transactions without leaving your car. In this fast-paced world, having reliable financial services at your fingertips is essential. That's why we emphasize digital banking features like mobile payments and person-to-person transfers making it easier than ever to manage your finances on the go. If you're ready to explore what Fairwinds can do for you, don't hesitate to reach out! Call us at (407) 548-6223 or visit us at our branch in Sanford today!

Credit Cards with Rewards

Looking for a credit card that gives back? Our credit cards come with rewards programs designed to benefit you every time you use them. Enjoy cash back on purchases or points towards travel whatever suits your lifestyle best.

Mortgage Loans & Refinancing

Owning a home is a significant milestone, and our mortgage loans can help make that dream a reality. If you're already a homeowner, consider refinancing for better terms or lower payments. Our knowledgeable staff will assist you in navigating the various options, ensuring you find the right fit for your situation.

Personal Banking

Whether you are looking to open a checking or savings account, Fairwinds has got you covered. Our personal banking options make it easy for you to manage your day-to-day finances. Imagine easily accessing your funds through online banking or our mobile app while enjoying the security that comes with being part of a credit union. With features like e-statements and electronic signature authentication, managing your accounts has never been simpler.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but with our personal loans, you can tackle those challenges head-on. Whether it's consolidating debt or funding an important life event, we provide flexible loan options that allow you to breathe easier financially.

Digital & Online Banking

At Fairwinds, we understand that managing your finances should be as convenient and secure as possible. That's why we offer a range of digital and online banking services designed to fit your lifestyle. Whether you're at home, on the go, or anywhere in between, our tools are here to help you stay in control of your money. With 24/7 online banking available at https://www.fairwinds.org/, you can access your accounts anytime you need. Check your balances, view transactions, and transfer money with just a few taps. Our user-friendly mobile application makes it easy to manage your finances right from your smartphone. Plus, you can enjoy the flexibility of mobile payments, allowing you to make purchases quickly and securely without needing cash or cards. One of the standout features of our online banking is the ability to set up electronic statements. Say goodbye to paper clutter! You can receive e-statements directly in your inbox, making it easier to keep track of your spending and account activity. And if you need to sign documents, our electronic signature authorization simplifies this process no more printing or scanning required! Need to send money to friends or family? With our person-to-person transfer feature, it's simple and quick to send funds right from your account. This is perfect for splitting bills or sending gifts without hassle. Security is a top priority for us at Fairwinds. We use advanced encryption technology to ensure that your personal information stays safe while you bank online. Our commitment is not just about convenience; it's about providing peace of mind while you manage your finances. Experience the ease of digital banking with us today! Visit https://www.fairwinds.org/ for more information about how our online services can make managing your money simpler than ever.

Financial Strength

Growing Membership Base

Total Share Accounts stand at 606,068, showing a strong and growing member base that trusts us with their finances. Net Shares (funds available for lending and investments) amount to $17,697,509, reinforcing our ability to serve your needs effectively. 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 420 W 1St St Sanford Fl 32771 or call (407) 548-6223 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $1,017,123,120 in share certificates. This allows you to enjoy 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 financial success is evident with a net income of $47,523,760, reflecting our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products tailored for our members. Additionally, we take pride in having 570 full-time employees and 11 part-time employees who are always ready to assist you with a knowledgeable and committed team.

Reinvesting for Your Benefit

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

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 flexible terms and competitive interest rates that can fit into your budget. Plus, if you're considering refinancing an existing auto loan, we have options available to potentially lower your monthly payments.

Business Financing

For business owners in our community, our outstanding commercial loans totaling $876,661,123 provide the capital needed to grow and expand your business. Whether you need funding for equipment or working capital to improve operations, we're here to support your entrepreneurial journey. At Fairwinds, we're committed to providing personalized service and expert guidance tailored to your financial needs. For more information about our loan offerings or to discuss eligibility options tailored just for you, feel free to call us at 407-548-6223. 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, including Junior Lien 1-4 Family Residential Properties loans totaling $196,605,200, make buying or refinancing simple. We guide you through the process and offer competitive rates to help you secure the financing you need for your dream home.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. 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 come with benefits like rewards programs and no annual fees that can help you save while making purchases.

Loan Aggregator

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Ensuring Accurate Comparisons

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Fairwinds