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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.

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
using  pts
6 Month Certificate 6 Month Certificate 0.35% 0.60%
using  pts
using  pts
10 Month Certificate 10 Month Certificate 0.40% 0.65%
using  pts
using  pts
12 Month Certificate 12 Month Certificate 0.45% 0.70%
using  pts
using  pts
24 Month Certificate 24 Month Certificate 0.65% 0.90%
using  pts
using  pts
36 Month Certificate 36 Month Certificate 0.90% 1.15%
using  pts
using  pts
48 Month Certificate 48 Month Certificate 1.11% 1.36%
using  pts
using  pts
60 Month Certificate 60 Month Certificate 1.31% 1.56%
using  pts
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 4.461538461538462 out of 5 by 65.
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
  • 2016-08-24T08:14CST
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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

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