Current Personal Account Rates

View rates on all of our personal banking solutions, from Savings and Checking Accounts to Auto and Home Loans.

Savings Accounts

Savings Interest Rates	APY*
Emergency Savings	5.00%
Freedom Savings	0.10%
Preferred Savings	1.00%
Signature Savings	2.15%
Investor Savings	3.00%
IRA Savings Account	0.10%

Checking Accounts

Preferred Checking

Account Balance	APY*
$9,999.99 or below	0.01%
$10,000.00 — $24,999.99	0.02%
$25,000.00 — $49,999.99	0.03%
$50,000.00+	0.04%

Signature Checking

Account Balance	APY*
$9,999.99 or below	0.05%
$10,000.00 — $24,999.99	0.10%
$25,000.00 — $49,999.99	0.15%
$50,000.00+	0.20%

Certificates of Deposit (CD)**

CD Rates

Type	APY*
3-Month CD	1.21%
6-Month CD	3.75%
12-Month CD	1.84%
24-Month CD	1.79%
36-Month CD	2.87%
48-Month CD	2.92%
60-Month CD	2.97%

Add-Ons

Type	APY*
6-Month Add-On CD	3.75%
12-Month Add-On CD	1.84%

Specials

Type	APY*
7-Month CD Special	3.75%
7-Month CD Special with Signature Credit Card	4.00%

Credit Cards

Credit Cards	APR***
Secured Credit Card	starting at 18.00%
Visa Signature® Credit Card	starting at 18.00%
Cash Back Visa® Credit Card	starting at 13.99%

Loans and Lines of Credit

Vehicle Loans

New Car	APR***
36 Months	4.490%
72 Months	5.400%
48 Months	4.990%
60 Months	5.200%

Used Car	APR***
72 Months	5.700%
48 Months	5.390%
36 Months	5.290%
60 Months	5.550%

Other Vehicles	APR***
Motorcycle, Boat, and RV (Used)	7.800%
Motorcycle, Boat, and RV (New)	7.350%

Mortgages

Fixed Rate	Rate	APR***	Points
15 Year Fixed 180 months at 4.875% (5.136% APR) for a $250,000 loan would result in a monthly payment of $1,960.74.	4.875%	5.136%	0.990
20 Year Fixed 240 months at 5.625% (5.802% APR) for a $250,000 loan would result in a monthly payment of $1,737.42.	5.625%	5.802%	0.721
30 Year Fixed 360 months at 6.000% (6.135% APR) for a $250,000 loan would result in a monthly payment of $1,498.88.	6.000%	6.135%	0.725

Jumbo Rate	Rate	APR***	Points
15 Year Jumbo Mortgage 180 months at 4.500% (4.640% APR) for a $726,200 loan would result in a monthly payment of $5,555.38.	4.500%	4.640%	0.718
20 Year Jumbo Mortgage 240 months at 5.375% (5.464% APR) for a $726,200 loan would result in a monthly payment of $4,944.31.	5.375%	5.464%	0.517
30 Year Jumbo Mortgage 360 months at 5.625% (5.729% APR) for a $726,200 loan would result in a monthly payment of $4,180.42.	5.625%	5.729%	0.916

ARM Rate	Rate	APR***	Points
10/6 ARM For a 30-year loan of $500,000.00, you would make 60 payments of $2,917.86 at 5.750% (6.204% APR), followed by 300 payments based on the then-current variable rate.	5.750%	6.204%	0.725
5/5 ARM For a 30-year loan of $500,000.00, you would make 60 payments of $2,838.95 at 5.500% (6.754% APR), followed by 300 payments based on the then-current variable rate.	5.500%	6.754%	0.725

Early Arm Disclosure Statement

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 loan amount of $250,00, single-family home as a primary residence, 45-day rate lock, credit score of 740, and a loan-to-value of 80%. Discount points may apply. Terms and conditions subject to change at any time without prior notice.

Auto Loan rates and fees may vary depending on the loan source and application type. The rates shown apply to applications submitted directly through a FAIRWINDS branch or at FAIRWINDS.org. Applications submitted through third-party partners may be subject to different rates and fees. These terms do not apply to commercial or cash-out refinance loans.