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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 RatesAPR/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
*APR = Annual Percentage Rate
*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 4.5 out of 5 by 87.
Rated 5 out of 5 by from Excellent value Ive been a member for many years only bank i trust so far.
Date published: 2017-03-23
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 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 great savings The bank rep. knew all her info and was able to get me a great return .
Date published: 2017-03-19
Rated 5 out of 5 by from Excelente bank Excellent bank !! The CDs are good to save money I recommend 100%
Date published: 2017-03-20
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