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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
0.85%
using  pts
6 Month Certificate6 Month Certificate 0.45% / 0.45% 0.70%
using  pts
0.95%
using  pts
10 Month Certificate10 Month Certificate 0.50% / 0.50% 0.75%
using  pts
1.00%
using  pts
12 Month Certificate12 Month Certificate 0.55% / 0.55% 0.80%
using  pts
1.05%
using  pts
24 Month Certificate24 Month Certificate 0.75% / 0.75% 1.00%
using  pts
1.25%
using  pts
36 Month Certificate36 Month Certificate 1.00% / 1.01% 1.25%
using  pts
1.50%
using  pts
48 Month Certificate48 Month Certificate 1.20% / 1.21% 1.45%
using  pts
1.70%
using  pts
60 Month Certificate60 Month Certificate 1.40% / 1.41% 1.65%
using  pts
1.90%
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 95.
Rated 5 out of 5 by from Quick & Easy First time that I will be submitting prop taxes, so I wanted an account that will help earn added interest. Fairwinds CD options are perfect for this.
Date published: 2017-04-18
Rated 4 out of 5 by from good value and it is safe am a member for over 5 years now and i am satisfied with it
Date published: 2017-04-14
Rated 1 out of 5 by from not great value i am okay whit fairwinds bank
Date published: 2017-04-11
Rated 5 out of 5 by from Great! Fairwinds provides best service
Date published: 2017-04-10
Rated 2 out of 5 by from Good Product, Poor Service I have been a member for almost 20 years. Referred my mom for savings, CD accounts and received very bad, conflicting and rude treatment by the Altamonte Springs, FL Saturday manager in charge.
Date published: 2017-04-09
Rated 5 out of 5 by from Great Value Me and my wife are very happy, we became a member of the Fairwinds family and we're so excited for the benefits...
Date published: 2017-04-08
Rated 5 out of 5 by from Certificate of Deposit The phone system makes it easy to manage my accounts without having to physically visit a branch.
Date published: 2017-04-08
Rated 5 out of 5 by from Certificate of deposit Excellent service. Was able to complete over the phone. Used reward points to get a better rate.
Date published: 2017-03-25
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