Certificate of Deposit
Starting to save isn’t always the hard part. Sticking with it is.
A Certificate of Deposit (CD) helps you lock in your progress so your savings keep growing.
Flexible Terms
With flexible term options, you can find a CD solution that fits your savings goals. Choose from 3 to 60 months and let time do some of the work for you.
Fixed Rates
Once you pick your term, your CD rate stays locked in the entire time. No changes. No surprises. Just steady, consistent growth you can plan around.
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.
Your deposits are insured by the NCUA.
See our Service Charge Schedule for additional fees that apply to all FAIRWINDS accounts.
Certificate of Deposit (CD) Rates
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 | ... |
CD Maturity & Renewals
At maturity, your CD automatically renews for the same term at the current rate unless you choose a different option.
CD Grace Period
You have ten (10) calendar days after maturity to make changes without an early withdrawal penalty. During this time, you may:
Withdraw funds
Renew for a different term
Add funds (if eligible)
Close the CD
After the grace period, the CD continues under its renewed terms and penalties may apply. For full details, review the Truth in Savings Disclosure.
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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