Certificate of Deposit

None of the risk and all of the reward, our Certificate of Deposit (CD) accounts let you keep your money safe and secure while they grow.

Family enjoying the sunset.

Flexible Terms

Terms from 3 months to 60 months, including Add-On CD options

No fee/$0


No monthly service charge


Fixed Rates

Guaranteed interest rate for the duration of the initial CD term

Account Details

  • $1,000 minimum to open

  • No monthly service charge

  • Early withdrawal penalties may apply*

  • FAIRWINDS Visa Signature® Credit Card members can enjoy a 0.25% rate bump on a CD.

Looking for an Add-On CD?

  • Make unlimited deposits to your CD for 6 or 12-month terms

  • $100 minimum to open

See our Service Charge Schedule for additional fees that apply to all FAIRWINDS accounts.

Certificate of Deposit (CD) Rates

CD Special Rates

Annual Percentage Yield (APY)

7-month CD Special


18-month CD Special


CD Rates

Annual Percentage Yield (APY)

3-month CD


6-month CD


12-month CD


24-month CD


36-month CD


48-month CD


60-month CD


Add-On CD Rates

Annual Percentage Yield (APY)

6-month Add-On CD


12-month Add-On CD


How much can you earn?

Use this calculator to help see the potential interest growth on your Certificate of Deposit.

How to Create a Budget in 5 Steps

Unlock financial success with a simple, effective budget. Take control, know where your money goes, and build stability. Your guide to budgeting made easy.

Women shopping at night
Five Steps to Take Before Making a Large Purchase

Follow these five steps to know how long you should wait before making a big purchase and how to save the most money while fitting the purchase in your budget.

Couple budgeting.
4 Tips to Stay Financially Focused and Achieve Your Goals

Want to get closer to reaching your milestones? Follow these four tips to adjust your mindset and stay in control of your finances on your journey.