Fairwinds Credit Union Winter Garden FL | Low Mortgage Rates & Business Banking

Introduction

Welcome to Fairwinds, your trusted partner in financial well-being located at 13580 W Colonial Dr, Winter Garden, FL 34787. Established in 1949, we have proudly served our community for over seven decades, growing into a reliable credit union with a membership of 232,476 individuals. Our commitment to providing exceptional service and support is reflected in our impressive total assets of $4,832,971,664 and total deposits amounting to $186,382,647. At Fairwinds, we believe in empowering our members through a wide range of financial services tailored to meet your needs. Whether you are looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, we are here to help. Our dedicated team of 581 employees, led by CEO Larry Tobin and Board President Elizabeth Krahmer, strives to create a welcoming environment where you can achieve your financial goals. While members can visit us at our branch location for friendly assistance, official correspondence should be directed to our mailing address: 13580 W Colonial Dr, Winter Garden, FL 34787-3918. We invite you to experience the difference at Fairwinds. With total loans and leases reaching 116,451, we are ready to support your journey be it through home financing or business loans. Don't hesitate to reach out! Call us at 407-277-6030 or visit our website at Fairwinds.org for more information about how we can assist you today.

Branch History & Mission

Join Us Today!

We invite you to become a part of Fairwinds' legacy of service and support. Experience firsthand how we can help you achieve your financial goals while being an active participant in building a stronger community together. Visit us at our branch or call us at 407-277-6030 today! Together, let's make every financial dream a reality!

Our Evolution

From humble beginnings, Fairwinds has blossomed into a thriving credit union with over 232,476 members and total assets exceeding $4.8 billion. Our commitment to serving our members with integrity and respect has fueled our growth and success. We have expanded our offerings to include personal banking services, auto loans, mortgages, credit cards with rewards, and business banking solutions. Each step forward in our history reflects our dedication to meeting the evolving needs of our community. Our operating hours are designed for your convenience: the lobby is open Monday through Thursday from 9 AM to 4 PM, Friday from 9 AM to 6 PM, and Saturday for drive-thru services from 9 AM to 1 PM. We also offer ATM access for quick transactions when you need them most.

Our Mission

At Fairwinds, our mission goes beyond just providing financial products; we strive to uplift the communities we serve. We believe that everyone deserves the opportunity for financial success and empowerment. This belief drives us to engage in community outreach initiatives and partnerships that create positive change right here in Winter Garden and beyond. While members can visit us at our branch location, official correspondence should be sent to the same address: 13580 W Colonial Dr, Winter Garden, FL 34787-3918. As we look towards the future, we are focused on integrating digital advancements that enhance your banking experience while ensuring compliance with ADA standards so that all members can easily access our services. Whether it's through online banking or mobile payments, we aim to keep you connected and in control of your finances.

Branch Location & Accessibility

Location Highlights

Located near popular landmarks and just a short drive from downtown Winter Garden, our branch is perfectly situated to serve you. When you visit us, you'll find ample parking available, making it easy to stop by. Plus, we are committed to ensuring that everyone can access our services comfortably, featuring ADA-compliant facilities and ramps.

Operating Hours

At Fairwinds, we value your time. Our lobby hours are designed with your schedule in mind: Monday through Thursday from 9 AM to 4 PM and Fridays until 6 PM. If you're on the go, take advantage of our drive-thru service available Monday through Friday from 8 AM to 6 PM and Saturdays from 9 AM to 1 PM.

Services Offered

We're proud to offer a range of personal banking services tailored just for you. From checking and savings accounts to auto loans, mortgage financing, and credit cards with rewards we have options that fit your financial goals. Need cash? Our ATM is available for quick withdrawals and balance checks whenever you need it. While members can visit us at our main branch address, any official correspondence should be sent to our mailing address: 13580 W Colonial Dr, Winter Garden, FL 34787-3918. Feel free to reach out to us at 407-277-6030 if you have any questions or need assistance. Our friendly staff is eager to help! We invite you to stop by Fairwinds today and experience personalized service that makes banking easy and enjoyable.

Member Eligibility

At Fairwinds, we believe that joining our community should feel like stepping into a welcoming family. Becoming a member is straightforward and open to anyone who lives, works, worships, or attends school in the area. We're here to support you with a range of financial services tailored to your needs, from checking and savings accounts to auto loans and mortgages. Plus, being part of our credit union means you can enjoy competitive rates and personalized service that puts you first. If you're ready to take the next step, opening an account is easy! You can find more details about eligibility requirements by visiting this link. If you have any questions or need assistance, don't hesitate to give us a call at (407) 277-6030. We're excited to welcome you into the Fairwinds family at our convenient location: 13580 W Colonial Dr Winter Garden Fl 34787!

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

In today's fast-paced world, efficient payment processing can set your business apart. Our merchant services are designed to simplify transactions, allowing you to focus on what matters most growing your business. Imagine offering your customers multiple payment options seamlessly while keeping track of sales effortlessly. That's the power of partnering with Fairwinds. Visit us at 13580 W Colonial Dr Winter Garden Fl 34787 or call us at (407) 277-6030 to learn how we can help elevate your business with our banking solutions!

Comprehensive List Of Services

Business Banking Support

For our business members, we offer tailored Business Banking solutions including Merchant Services and Business Loans. Your entrepreneurial dreams are important to us, and we work hard to support local businesses in achieving their goals.

Convenient Digital Banking

We recognize that today's world demands convenience, which is why our Online & Mobile Banking features allow you to manage your accounts anytime and anywhere. You can check balances, transfer funds, and pay bills all from the comfort of your home or on-the-go using our mobile app. Additionally, our ATM & Cash Withdrawal Services provide easy access to cash when you need it most. With an ATM located right here at our branch and various locations available for withdrawals across the network, getting cash is quick and hassle-free.

Credit Options Tailored for You

When unexpected expenses arise or you're looking to consolidate debt, our Personal Loans & Debt Consolidation services can provide a helping hand. And if you're interested in earning rewards while making purchases, our Credit Cards with Rewards program allows you to earn points on everyday spending, turning your shopping into savings.

Drive-Thru and In-Person Services

If you prefer face-to-face interactions or need quick services like deposits or withdrawals, our basic Drive-Thru Banking ensures that even simple transactions are swift and efficient. Our lobby hours further accommodate your schedule so that accessing banking services fits seamlessly into your day. --- Ready to explore what we have to offer? Visit us at 13580 W Colonial Dr Winter Garden Fl 34787, call us at (407) 277-6030, or check out our website at Winter Garden for more information! We look forward to helping you achieve your financial goals!

Personal Banking Solutions

Our Personal Banking services include Checking and Savings Accounts tailored to help you manage your money effectively. Imagine having access to flexible options that fit your lifestyle whether it's saving for a vacation or building an emergency fund. We also offer Auto Loans & Vehicle Financing to help you drive away in your dream car without breaking the bank. With competitive rates and easy application processes, financing your next vehicle has never been easier. For those considering homeownership or refinancing, our Mortgage Loans & Refinancing options can guide you through securing the perfect mortgage for your situation. We strive to make the process as straightforward as possible, so you can focus on finding the right home.

Digital & Online Banking

Accessibility and Ease of Use

Our online banking services are available 24/7, meaning you can take care of banking tasks on your schedule. From mobile payments to tracking transactions in real-time, everything is designed to give you full control over your finances. No more waiting in line your bank is always open! With features like mobile payments, you can leave your wallet at home and make purchases directly from your phone. It's just another way we help you stay connected to your money without any added stress. At Fairwinds, we're committed to making your banking experience smooth and efficient. Join us in embracing modern banking solutions that prioritize both convenience and security!

Key Features

Explore our user-friendly online banking platform at https://www.fairwinds.org/. You can check your account balances, transfer funds, and pay bills all from the comfort of your home. Need to send money to a friend? Our person-to-person transfers make it simple and quick. Plus, with our mobile application, managing your finances is just a tap away. Security is a top priority for us. We offer electronic signature authorization, allowing you to sign documents securely without the hassle of printing and mailing. You'll also enjoy the convenience of e-statements, reducing paper clutter while keeping your financial information safe.

Financial Strength

Growing Membership Base

Total Share Accounts stand at 606,068, showcasing a strong and growing member base that trusts us with their finances. This is further evidenced by our Net Shares (Funds available for lending and investments): $17,697,509. In conclusion, 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 13580 W Colonial Dr Winter Garden Fl 34787 or call (407) 277-6030 to learn more about how we can help you achieve your financial goals.

Member Savings Focused

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 $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.

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

Solid Financial Health

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.

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 that make it easy to get into the vehicle you want without breaking the bank.

Credit Lines

If you're looking for more flexibility in your spending or need extra funds for unexpected expenses, consider our credit lines totaling $1,008,298,137. These lines can help you cover costs while allowing you to pay back what you borrow at your own pace.

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're here to support you through every step of the home-buying process.

Refinancing Options

We believe in providing opportunities for our members to save. If you're interested in refinancing your current loans or mortgages for better rates or terms, we're happy to discuss eligibility options with you. Our team is dedicated to finding solutions that fit 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. At Fairwinds, we're not just about lending; we're about building lasting relationships and helping our members thrive financially. Visit us today or give us a call to learn more about how our loan offerings can work for you!

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. Our credit cards come with rewards and benefits tailored to meet your lifestyle needs.

Loan Aggregator

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Fairwinds