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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.

The Details

Minimum to Open — $500 for 10 month CD; all other terms $1,000

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 RatesAPY*.25% bonus**.50% bonus**
3 Month Certificate 3 Month Certificate 0.25% 0.50%
using  pts
0.75%
using  pts
6 Month Certificate 6 Month Certificate 0.35% 0.60%
using  pts
0.85%
using  pts
10 Month Certificate 10 Month Certificate 0.40% 0.65%
using  pts
0.90%
using  pts
12 Month Certificate 12 Month Certificate 0.45% 0.70%
using  pts
0.95%
using  pts
24 Month Certificate 24 Month Certificate 0.65% 0.90%
using  pts
1.15%
using  pts
36 Month Certificate 36 Month Certificate 0.90% 1.15%
using  pts
1.40%
using  pts
48 Month Certificate 48 Month Certificate 1.11% 1.36%
using  pts
1.61%
using  pts
60 Month Certificate 60 Month Certificate 1.31% 1.56%
using  pts
1.81%
using  pts
APY = Annual Percentage Yield
Early withdrawal of Certificate of Deposit is subject to penalty.
Fees can reduce earnings on the account.

FAIRWINDS Member Reviews

Certificate of Deposit is rated 4.478260869565218 out of 5 by 69.
Rated 5 out of 5 by from Exceptional Experience! I've been a satisfied Fairwinds customer for several years now, and recently contacted Fairwinds for help setting up a CD account. The help I received online and on the phone was amazing. The account was created in less than 24 hours, and the whole process took only a few minutes - all from the comfort of home. Every interaction I've had with Fairwinds staff be it on the phone, online chat, or in the branch has been outstanding. If you're looking for a personal, hands on, caring approach to your banking or savings needs - I wouldn't look anywhere else. The CDs have been running for just over a month now, and I'm delighted to see them growing already - wish I'd moved my money from a stagnant savings account years ago.
Date published: 2016-09-21
Rated 5 out of 5 by from Great I'm been a member for over ten years and i always appreciate the friendly service and a big bright smile from the associates.
Date published: 2015-07-08
Rated 5 out of 5 by from Excellent Service Recently we needed to move monies from one of our Certificates of Deposit into liquid funds for purchasing our first home. The bank representative was always friendly and very efficient, and kept it simple for us. She explained the steps we needed to take and the costs that would be incurred and helped us transition the monies. There was never a delay and we were able to go to the closing knowing the monies had been transferred to the closing agent.
Date published: 2016-01-13
Rated 1 out of 5 by from Fairwinds = Nightmare I can't wait to have my accounts closed and leave this bank. Customer service non existent. 5 + minutes waiting time standard. If you think they do what you want them to do you have to double check only to learn that they have done the opposite. This bank is stuck in the 1980's. My new CU rocks.
Date published: 2016-05-28
Rated 5 out of 5 by from Ashley is most professional We needed a new CD plus change the beneficiaries in case of our demise to our trust fund. Ashley did all the necessary research, went back and corrected all 10 of our CDs, and never lost her cheerful attitude. She is a pleasure to do business with because of her competency and personality.
Date published: 2015-10-31
Rated 5 out of 5 by from Excellent service I have been a member of Fairwinds Credit Union for nearly 20 years. I have always been treated with respect even when I didn't have any investment money. Every employee I have dealt with through the years has been professional and curtious. I am proud to be a member of Fairwinds
Date published: 2016-07-16
Rated 5 out of 5 by from A+ The customer service was on-point at my local Fairwinds CU when I went in to open a certificate of deposit for my son a few weeks ago. They even waived a withdrawal fee that would have otherwise been charged because I was taking the funds from a 5k savings account.
Date published: 2016-05-02
Rated 2 out of 5 by from Training CSR. Did not know what to do she had to request help. I had to wait longer and then about 2 weeks later got a call asking me to come back in to finish paperwork. I had to wait again when I came back because the same CSR did not know what to do.
Date published: 2016-05-01
  • 2016-09-27T07:53CST
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