Overview

Help meet the financial goals of your small business with our Business Savings accounts. Choose from basics savings, money market accounts, and Certificates of Deposit, all with low fees, competitive interest rates, and federal deposit insurance from the NCUA.

Business Money Market accounts are ideal for businesses looking for a solid investment without risking principal.

Build a safe reserve for the unexpected with a Business Savings account.

Business CDs are a great way to earn high yields on long-term capital, while minimizing risk.

Non-Profit Business Money Market accounts offer additional interest for qualified Non-Profit organizations.

Business Savings

Build a safe reserve for the unexpected with a Business Savings account. Our Business Savings account offers a secure way to build capital for operating expenses, long-term growth, and more.

Business Money Market

A great alternative to sweep accounts, our Business Money Market Account is perfect for businesses looking for a solid investment without risking their principal.

As a member you can have the peace of mind knowing that your money is federally insured by the National Credit Union Share Insurance Fund which is governed by the National Credit Union Administration (NCUA), a U.S. Government Agency.

Deposits are federally insured up to $250,000 and IRAs are insured for up to $250,000.

Premium Business Money Market Account

Make your money work for you. Our Premium Business Money Market offers competitive rates combined with convenient flexibility. When you’re looking for great rates combined with easy access to deposits, a FAIRWINDS Premium Business Money Market account is right for you.

Premium Business Money Market accounts are available to established businesses and are excellent income building accounts.

As a member you can have the peace of mind knowing that your money is federally insured by the National Credit Union Share Insurance Fund which is governed by the National Credit Union Administration (NCUA), a U.S. Government Agency.

Deposits are federally insured up to $250,000 and IRAs are insured for up to $250,000.

Non-Profit Business Money Market Account

Our Non-Profit Money Market Account has all the same features of a Regular Business Money Market account, while paying higher interest rates to qualified non-profit groups and organizations. 

As a member you can have the peace of mind knowing that your money is federally insured by the National Credit Union Share Insurance Fund which is governed by the National Credit Union Administration (NCUA), a U.S. Government Agency.

Deposits are federally insured up to $250,000 and IRAs are insured for up to $250,000.

Business CDs

Watch your excess capital grow with our Certificate of Deposit options. These federally insured deposits will maximize your earnings and minimize your risk.  Business CDs are a great way to earn high yields on long-term funds, save for planned purchases and acquisitions, and improve equity positions.

Which account fits you?

With low opening and monthly balance requirements, FAIRWINDS Business Savings accounts are a great way to get started building reserves.

Looking for a safe alternative to sweep accounts? Money Market accounts combine tiered interest rates, easy access with unlimited deposits, and the security of NCUA deposit insurance.

Want a secure way to invest your long-term funds? CDs offer the highest interest rate of any deposit account for businesses that don’t need immediate access to their funds.  Choose terms from three months to five years, all federally insured up to $250,000 by the NCUA.

Planning for retirement? Choose from a wide variety of options for your Roth or Traditional IRA including savings and certificates of deposit. Our Financial Advisors* can help you choose annuities, mutual funds and other long-term investments to meet your retirement needs.

Compare Accounts
Business Savings Business Money Market Non-Profit Business Money Market Premium Business Money Market Certificates of Deposit

Competitive Interest Rates

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Insured Up to $250,000 By the NCUA

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Unlimited Deposits

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Unlimited In-Person Withdrawals

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Online and ATM Access

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Use for Overdraft Protection

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Tiered Interest Rates

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Penalties for Early Withdrawal

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Minimum to Open

$100 $5,000 $5,000 $50,000 $1,000

How to Avoid Monthly Fee

$100 average monthly balance $5,000 average monthly balance $5,000 average monthly balance $50,000 average monthly balance No fee

Minimum Balance Fee

$5 $10 $10 $15 No fee

Minimum to Earn Interest

$1 $5,000 $5,000 $50,000 $1,000

Other Fees

See Service Charge Schedule

Rates as of: 4/14/2014 - 4/20/2014

Account Type Interest Rate APY
Checking 0.00% 0.00%
Savings 0.05% 0.05%
Secondary Savings 0.05% 0.05%
Business
Money Market
Interest Rate APY
$.01 - $4,999 0.00% 0.00%
$5,000 - $9,999 0.00% 0.00%
$10,000 - $24,999 0.05% 0.05%
$25,000 - $49,999 0.10% 0.10%
$50,000 - $99,999 0.10% 0.10%
$100,000 + 0.10% 0.10%
Non-Profit Business
Money Market
Interest Rate APY
$.01 - $4,999 0.00% 0.00%
$5,000 - $9,999 0.05% 0.05%
$10,000 - $24,999 0.10% 0.10%
$25,000 - $49,999 0.15% 0.15%
$50,000 - $99,999 0.15% 0.15%
$100,000 + 0.15% 0.15%
Premium Business
Money Market
Interest Rate APY
$.01 - $49,999 0.00% 0.00%
$50,000 - $249,999 0.10% 0.10%
$250,000 - $999,999 0.10% 0.10%
$1,000,000 - $2,499,999 0.15% 0.15%
$2,500,000 + 0.15% 0.15%
Business
Certificate of Deposit:
Interest Rate APY
3 month 0.10% 0.10%
6 month 0.10% 0.10%
12 month 0.20% 0.20%
24 month 0.40% 0.40%
36 month 0.60% 0.60%
48 month 0.80% 0.80%
60 month 1.00% 1.01%

APY: Annual Percentage Yield
Early withdrawal is subject to penalty.