The FAIRWINDS Credit Union is a home equity loan from FAIRWINDS Credit Union. The ongoing APR is As low as 6.02% APR (5-year), 6.07% (10-year), 6.57% (15-year), 7.06% (20-year) (last updated 09/14/2026; 2nd lien, primary residence, credit score 750, LTV 70% or less). Loan terms: 5 to 20 years; principal and interest payments.