The FAIRWINDS Credit Union is a auto loan from FAIRWINDS Credit Union. The ongoing APR is Passenger: new 4.59%-5.40% APR, used 4.99%-5.85% (36-72 months); Commercial: new 6.59%-7.40%, used 6.99%-7.85% (36-72 months); 1% rate increase for vehicles 5 years or older (last updated 08/01-10/01/2026). Loan terms: 36, 48, 60 or 72 months.