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.

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Flexible Terms

Find CD options from 3 to 60 months. Earn higher interest rates while securely growing your money for a set term.

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Fixed Rates

Find CD options from 3 to 60 months. Earn higher interest rates while securely growing your money for a set term.

Account Details

  • $1,000 minimum to open

  • No monthly service charge

  • Early withdrawal penalties may apply1

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

  • Your deposits are insured by the NCUA.

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

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    Certificate of Deposit (CD) Rates

    CD Rates

    Annual Percentage Yield (APY)2

    3-month CD

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    6-month CD

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    12-month CD

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    24-month CD

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    36-month CD

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    48-month CD

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    60-month CD

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    How much can you earn?

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

    The results provided are estimates and do not include fees; they assume a consistent interest rate. This information is intended for informational purposes only. Outcomes may vary based on account balance, compounding frequency, and changes in rates. We do not take responsibility for the content, results, or accuracy of any information used to inform decisions based on these calculations.

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