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fairwinds.org | Get the freedom to go further.

Diversify your business' portfolio and watch your excess capital grow with our Certificate of Deposit options.

With flexible terms, amazing rates and minimal risk, a Business Certificate of Deposit from FAIRWINDS can help you plan and prepare for big purchases or acquisitions and boost your business’ equity.

Saving for your business is simple with flexible investment terms and competitive rates.

The Features

  • Save on your own terms. Choose terms ranging from three months to five years and grow your savings on a timeline that fits your business’ schedule.
  • Keep your savings safe. All deposits are federally insured by the NCUA.
  • Start saving early. Low minimum opening deposits.
  • Have peace of mind. Guaranteed interest rates that increase with your account opening balance.

The Details

Minimum to Open—$1,000

Monthly Service Fee—None

Withdrawal limitations—Closing your CD or withdrawing funds early will result in a loss of earnings and/or penalties. See our fee schedule for additional details.

Earn more for your savings with our Promotional CD!

Looking for a risk-free way to save your money while being rewarded with more interest? Try this limited time add-on CD and enjoy the flexibility of adding money to it whenever you want.

11-month Business Promo CD
2.02% APY*
Minimum to Open: $1,000

*APY = Annual Percentage Yield. Early withdrawal of Certificate of Deposit is subject to penalty. Fees can reduce earnings on the account. Offer subject to change at any time without notice.

Business Member Bonus Rate

Members who have been with the credit union for at least one year are eligible for the Business Member Bonus CD. Plus, add unlimited funds to your CD throughout the term.

11-month Business Member Bonus CD
2.28% APY*
Minimum to Open: $10,000**

*APY = Annual Percentage Yield. Early withdrawal of Certificate of Deposit is subject to penalty. Fees can reduce earnings on the account. Offer subject to change at any time without notice. **A minimum of $10,000 from another financial institution is required to open the account. Any deposit after the $10,000 opening can be funded from an existing FAIRWINDS account or an account elsewhere.

Business Certificate of Deposit as of 07/22/19

Savings Interest RatesInterest RateAnnual Percentage Yield (APY)
3-month Business CD 0.35% 0.35%
6-month Business CD 0.35% 0.35%
12-month Business CD 0.45% 0.45%
24-month Business CD 0.65% 0.65%
36-month Business CD 0.90% 0.90%
48-month Business CD 1.20% 1.21%
60-month Business CD 1.40% 1.41%
Open at a branch near you.   Apply online.

*APY: Annual Percentage Yield

Early withdrawal is subject to penalty.