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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 4.3333 out of 5 by 6.
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 2 out of 5 by from points frustration Disappointed that I was not permitted to use points as advertised to increase rate on CD at renewal. There should have been better communication of renewal and/or a longer grace period.
Date published: 2015-08-11
Rated 5 out of 5 by from Good feeling It's a good feeling to know my money is in good care and there when I need it. Staff are so helpful and positive.
Date published: 2015-08-18
Rated 5 out of 5 by from MORE FOR yOUR mONEY I wanted more interest than a savings account, but something safer than stocks.
Date published: 2015-07-17
Rated 4 out of 5 by from Short-Term CD Interest rate was the highest locally when you apply your points.
Date published: 2015-08-10
  • 2015-10-04T04:07CST
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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.