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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

CD or Certificate of Deposit Account is rated 4.5 out of 5 by 103.
Rated 5 out of 5 by from Great Micheal the teller at the Longwood location made setting things up stress free and easy. I appreciate that.
Date published: 2017-06-04
Rated 5 out of 5 by from CD Great Bank and better experience
Date published: 2017-06-02
Rated 5 out of 5 by from Excellent value. I became a member in 2015.I am satisfied with services and products.
Date published: 2017-05-24
Rated 5 out of 5 by from Good investment I am member for last 17 years and my experience is very good
Date published: 2017-05-23
Rated 5 out of 5 by from Good Job i am counting down the years until retirement and Fairwinds is helping me to prepare for it!
Date published: 2017-05-06
Rated 5 out of 5 by from Reliable Excellent and convenient
Date published: 2017-05-04
Rated 5 out of 5 by from Great interestrate... great interest rate....Thanks
Date published: 2017-05-01
Rated 4 out of 5 by from CD Fast service at teller for CD, but interest rate a bit low
Date published: 2017-04-28
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