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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
1.11% APY*
Minimum to Open: $50,000
44 Month CD
2.22% 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
0.95%
using  pts
6 Month Certificate6 Month Certificate 0.55% / 0.55% 0.80%
using  pts
1.05%
using  pts
10 Month Certificate10 Month Certificate 0.60% / 0.60% 0.85%
using  pts
1.10%
using  pts
12 Month Certificate12 Month Certificate 0.70% / 0.70% 0.95%
using  pts
1.20%
using  pts
24 Month Certificate24 Month Certificate 0.90% / 0.90% 1.15%
using  pts
1.40%
using  pts
36 Month Certificate36 Month Certificate 1.15% / 1.16% 1.40%
using  pts
1.65%
using  pts
48 Month Certificate48 Month Certificate 1.40% / 1.41% 1.65%
using  pts
1.90%
using  pts
60 Month Certificate60 Month Certificate 1.60% / 1.61% 1.85%
using  pts
2.10%
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 134.
Rated 5 out of 5 by from excellent The workers from Semoran's branch are great , awesome and excellent.
Date published: 2018-04-13
Rated 5 out of 5 by from Member I became a member of fairwinds 4 years ago and I’m very satisfied of the service
Date published: 2018-04-09
Rated 5 out of 5 by from Wonderful experience The banking agents both on the phone and in the branch were very helpful. I would
Date published: 2018-04-09
Rated 3 out of 5 by from CD Review I opened a CD account about two months ago, and I’m happy that I did. Wish my interest rate was higher though
Date published: 2018-04-04
Rated 5 out of 5 by from Easy to do I needed a way to save some funds for my grandson for a specific purpose. The credit union representative suggested this savings vehicle and I already see interest posting!
Date published: 2018-03-09
Rated 4 out of 5 by from Easy to open I wanted to open CD for grandkids. Easy process and was opened within 15 minutes.
Date published: 2018-03-01
Rated 5 out of 5 by from was certainly a good value. Even though it is only for a period of eleven months, it is a good value.
Date published: 2018-02-21
Rated 5 out of 5 by from great product! It's a great product. Time deposit plus deposits are allowed.
Date published: 2018-02-08
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