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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.

Earn more for your savings!

Looking for a risk-free way to save your money while being rewarded with more interest?

11 Month CD
1.61% APY*
Minimum to Open: $50,000
44 Month CD
2.63% APY*
Minimum to Open: $50,000
Open at a branch near you.   Open online.

Use of REWARD points to receive a bonus rate is not permitted with these promotional CDs. *APY = Annual Percentage Yield. Early withdrawal of Certificate of Deposit is subject to penalty. Fees can reduce earnings on the account. Offer subject to change at any time without notice.

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 0.45% / 0.45% 0.70%
using  pts
using  pts
6 Month Certificate6 Month Certificate 0.55% / 0.55% 0.80%
using  pts
using  pts
10 Month Certificate10 Month Certificate 0.60% / 0.60% 0.85%
using  pts
using  pts
12 Month Certificate12 Month Certificate 0.70% / 0.70% 0.95%
using  pts
using  pts
24 Month Certificate24 Month Certificate 0.90% / 0.90% 1.15%
using  pts
using  pts
36 Month Certificate36 Month Certificate 1.15% / 1.16% 1.40%
using  pts
using  pts
48 Month Certificate48 Month Certificate 1.40% / 1.41% 1.65%
using  pts
using  pts
60 Month Certificate60 Month Certificate 1.60% / 1.61% 1.85%
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 0.50% / 0.50% N/A N/A
12 Month Add-On Certificate12 Month Certificate 0.65% / 0.65% 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 146.
Rated 5 out of 5 by from Best customer service! Fairwinds always looks out for the best interest of their members. The representatives are always friendly, patient and caring. They make you feel like a person and not a number.
Date published: 2018-06-21
Rated 4 out of 5 by from CD deposits Long-time customer, very easy to deposit fund to CD’s online.
Date published: 2018-06-20
Rated 5 out of 5 by from Temporarily Flush Didn't know how easy it was to get an on-line CD but saw your 'flag' when accessing my checking account. A CD was easily available on-line. I and got one for a short term when some checking account cash was available so I put the small surplus to work in a six-month CD...
Date published: 2018-06-15
Rated 5 out of 5 by from Good and fast We are very happy with the service Keep a good job ...
Date published: 2018-06-04
Rated 5 out of 5 by from CD Add-on Great I love that I can keep adding to my CD and earning interest on savings previously I would've had to set aside the money and open a new CD with the add-on feature of the new 6 month and 12 month CD It's easier for me to set aside the money and be discouraged to take it out unless needed. The auto-renewal is a nice feature as well so I don't have to go to the branch if I'm not withdrawing money.
Date published: 2018-06-04
Rated 4 out of 5 by from courteous service Wanted to open an IRA CD but had to open a Roth. It was explained to me that was necessary because I will be 70 1/2 years of age this year.
Date published: 2018-05-29
Rated 5 out of 5 by from Another great experience This transaction was cordial and professional as always by all members of the staff.
Date published: 2018-05-25
Rated 5 out of 5 by from Great Value Having a CD at Fairwinds Federal Credit Union has been a real blessing when I needed capital and had nowhere else to turn to get it. The plus side is it is my own money that I am borrowing from, and that is an awesome feeling.
Date published: 2018-05-23
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