Fixed-Rate Home Equity Loans

A Home Equity Loan is an option available for unexpected, large-scale costs or for making affordable home renovations — while paying off your balance as quickly as possible.

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Terms to Fit Your Budget

Choose the term that works best for you with options from 5 to 20 years.

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Save with Bi-Weekly Payment Options1

Pay down your mortgage faster and save on interest over time with bi-weekly payments.

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Always Know What You’re Paying

With a fixed-rate home equity loan, you’ll always make the same payment amount.

Home Equity Loan Rates

Fixed-Rate Home Equity Loan

APR2

Last updated ...

As low as ... APR

Payment Options

Principal and interest

Available Terms

Up to 20 years

Draw Period

Not Applicable

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Contact Us

Call (888) 626-2505 or schedule an appointment to speak to one of our specialized home equity lenders.

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Footnotes

    FAIRWINDS NMLS #715408

    Loans are subject to credit union membership eligibility, credit approval, and verification of information provided on the application. Other terms and conditions may apply. Terms and conditions subject to change at any time without prior notice.

    1 For all Home Equity products closed with FAIRWINDS, FAIRWINDS will pay up to a maximum of $1,000 in total fees, which include the application fee, origination charge, appraisal, title insurance, settlement and search fees, recording fees, and mortgage document stamps. Any amount of the fees above $1,000 is the responsibility of the member. If the home equity loan/line is paid in full or the line closed within the first 36 months of the date of the loan, the borrower will be required to repay the amount of the closing cost paid by FAIRWINDS.

    2 APR = Annual Percentage Rate. Rates are updated frequently and are subject to change without notice. Your actual rate is based on your credit quality, down payment, loan term, and amount financed. Rate lock cutoff time is 4:00 PM EST. Any lock requests received after 4:00 PM EST will be subject to tomorrow’s posted rates. Interest rates above are based on a 2nd lien position, primary residence, credit score of 750, and a loan-to-value of 70% or less. Terms and conditions subject to change at any time without prior notice. All loans are subject to credit approval. Membership eligibility requirements apply. Taxes and insurance not included; therefore the actual payment obligation may be greater.

    3 Flood insurance, if necessary, must be placed in escrow.

    Routing Number ⑆ 263181368
    © 2025 FAIRWINDS Credit Union