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

Whether you’re starting your nest egg or saving for Junior’s tuition, a Certificate of Deposit from FAIRWINDS lets you relax and watch your savings pile up. To give you an extra boost, we’ll also make it easy to use your Relationship Rewards points to get an additional .25% or .50% on our already great rates.

The Features

Terms that Fit Your Investment Schedule — Choose an investment term from three months to five years and make your savings work on your schedule.

Safe and secure deposits — All deposits are insured up to $250,000 by the NCUA.

Relationship Rewards Points — Earn one point for each dollar you earn in interest on your CD. Redeem these points for lower rates on loans, reduced service charges, or higher rates on your next CD.

We also offer Add-On CDs

Want your CD savings to grow with you? Choose a six or 12-month Add-On CD. They can be opened with as little as $100, and allow you to make unlimited deposits to the CD throughout the term length — providing you with greater flexibility in reaching your savings goals while earning a higher interest rate.

The Details

Minimum to Open

  • $100 for Add-On CDs
  • $500 for 10 month CD
  • $1,000 for all other terms

Monthly Service Fee — $0

Withdrawal Limitations — Closing your CD or withdrawing funds prior to the maturity date will result in a loss of earnings and/or penalties

  • Terms of 3 months or less - 1 month's interest
  • Terms of 4 months to 11 months - 3 months' interest
  • Terms of 12 months to 24 months - 6 months' interest
  • Terms of 25 months or longer - 9 months' interest

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

Today's Rates

Enter your CD balance to determine REWARDS points needed for a bonus rate**.
CD RatesInterest Rate/APY*.25% bonus**.50% bonus**
3 Month Certificate3 Month Certificate 0.35% / 0.35% 0.60%
using  pts
using  pts
6 Month Certificate6 Month Certificate 0.45% / 0.45% 0.70%
using  pts
using  pts
10 Month Certificate10 Month Certificate 0.50% / 0.50% 0.75%
using  pts
using  pts
12 Month Certificate12 Month Certificate 0.55% / 0.55% 0.80%
using  pts
using  pts
24 Month Certificate24 Month Certificate 0.75% / 0.75% 1.00%
using  pts
using  pts
36 Month Certificate36 Month Certificate 1.00% / 1.01% 1.25%
using  pts
using  pts
48 Month Certificate48 Month Certificate 1.20% / 1.21% 1.45%
using  pts
using  pts
60 Month Certificate60 Month Certificate 1.40% / 1.41% 1.65%
using  pts
using  pts
Add-On CD RatesInterest Rate/APY*
Use of REWARD points to receive a bonus rate is not permitted on Add-On CDs
6 Month Add-On Certificate6 Month Certificate 0.40% / 0.40% N/A N/A
12 Month Add-On Certificate12 Month Certificate 0.50% / 0.50% N/A N/A
*Early withdrawal of Certificate of Deposit is subject to penalty. Fees can reduce earnings on the account.
**REWARD points must be applied at the time of account opening. Bonus is provided at the time of account opening. Bonus is not applicable to any renewal item.

FAIRWINDS Member Reviews

CD or Certificate of Deposit Account is rated 4.5 out of 5 by 114.
Rated 5 out of 5 by from Good attention Nice attention received when requesting services for use of my bank cards in the foreigner
Date published: 2017-10-15
Date published: 2017-09-23
Rated 5 out of 5 by from Excellent My membership with Fairwinds spans four decades. If there is a better financial institution in Florida than Fairwinds, their owners are keeping it hidden...not likely. So, Fairwinds is simply THE BEST!
Date published: 2017-09-23
Rated 5 out of 5 by from Friendly, knowledgeable staff I recently opened a certificate account. It took only a few minutes. The representative was very knowledgeable and made the process a breeze.
Date published: 2017-09-23
Rated 4 out of 5 by from Reveiw Great value both financially and for the community
Date published: 2017-09-23
Rated 5 out of 5 by from Greatest way to save! It's pretty hard for me to save since I'm always tempted to just transfer if I need some money from my savings to my checking. Using this add on CD I can save each week little by little and I know I can't withdraw even if I wanted to. It forces me to save and the best part is I can lock it for either 6 months or 12 months. I'm saving as much as I can. I love this!!!
Date published: 2017-08-19
Rated 5 out of 5 by from great customer service I have always believed in supporting credit unions and was very pleased to find Fairwinds when we moved to Florida last year. I have been very impressed with the attention to detail, the personable tellers and the consistent high quality service regardless of which branch I visit.
Date published: 2017-08-09
Rated 5 out of 5 by from Great Micheal the teller at the Longwood location made setting things up stress free and easy. I appreciate that.
Date published: 2017-06-04
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