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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.

Earn more for your savings with our Promotional CDs!

Looking for a risk-free way to save your money while being rewarded with more interest? Try one of these limited time add-on CDs and enjoy the flexibility of adding money to it whenever you want.

11 Month Add-On CD
1.77% APY*
Minimum to Open: $25,000

18 Month Add-On CD

2.38% APY*
Minimum to Open: $25,000

44 Month Add-On CD

2.79% APY*
Minimum to Open: $25,000

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 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 6 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.

The Details

Minimum to Open

  • $100 for Add-On CDs
  • $25,000 for Promotional Add-On CDs
  • $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 Rates Interest Rate/APY* .25% bonus** .50% bonus**
3 Month Certificate3 Month Certificate 0.45% / 0.45% 0.70%
using  pts
using  pts
6 Month Certificate6 Month Certificate 0.55% / 0.55% 0.80%
using  pts
using  pts
12 Month Certificate12 Month Certificate
  Open a 12 Month Certificate Online!
0.70% / 0.70% 0.95%
using  pts
using  pts
24 Month Certificate24 Month Certificate 0.90% / 0.90% 1.15%
using  pts
using  pts
36 Month Certificate36 Month Certificate 1.15% / 1.16% 1.40%
using  pts
using  pts
48 Month Certificate48 Month Certificate 1.40% / 1.41% 1.65%
using  pts
using  pts
60 Month Certificate60 Month Certificate 1.60% / 1.61% 1.85%
using  pts
using  pts
Add-On CD Rates Interest 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
  Open a 6 Month Certificate Online!
0.55% / 0.55% N/A N/A
12 Month Add-On Certificate12 Month Certificate
  Open a 12 Month Certificate Online!
0.70% / 0.70% 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

Certificate of Deposit Account is rated 4.6 out of 5 by 176.
Rated 4 out of 5 by from a nice intrest rate for a cd. i opened an account 2017 and I am very happy I have Fairwinds as my bank..
Date published: 2018-12-12
Rated 5 out of 5 by from Great interest The special rate for the 15 mo. CD has been great compared to the money not. we were using.
Date published: 2018-12-06
Rated 5 out of 5 by from Found what I want I was shown all what I could choose from and then pick what was good for me.
Date published: 2018-11-29
Rated 5 out of 5 by from Great value and great service I've been watching the market and Fairwinds came thru...excellent offers in CD, excellent service and easy process
Date published: 2018-11-24
Rated 4 out of 5 by from Easier than I thought it would b A no brainer compliment to the rest of my portfolio. They did all the work, to help me make more money. I did experience one little hiccup, that they resolved quickly.
Date published: 2018-11-23
Rated 5 out of 5 by from Courteous, competent & friendly Upon the advise of my financial advisor and after considerable research, I invested in a high-yield CD at FAIRWINDS.
Date published: 2018-11-18
Rated 5 out of 5 by from My Review Your employees are friendly and trie to help me. Product CD
Date published: 2018-11-17
Rated 5 out of 5 by from Frustration to Satisfaction! My initial attempt to purchase the CD was a complete disaster due to incorrect information being published (i.e., minimum deposit of $25K vs $50K). I was told if I wanted a $25K CD, I had to come into a branch office because there was a minimum of $50K required to purchase online. I pointed out the fact that their "advertised" minimum amount stated $25K and coming into Orlando was an inconvenience because I don't live in Orlando. FCU ultimately changed the online option to $25K which allowed me to purchase the CD entirely online via the secure email.
Date published: 2018-11-15
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