The FAIRWINDS Credit Union is a home equity line of credit from FAIRWINDS Credit Union. The ongoing APR is As low as Prime minus .20% (6.800%) APR, variable (last updated 09/14/26); maximum APR 18.000%; minimum APR 3.250%. Loan terms: Available term up to 30 years, including a draw period of up to 15 years followed by a repayment period; minimum monthly payment 1% of the outstanding balance.