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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
0.75%
using  pts
6 Month Certificate 6 Month Certificate 0.35% 0.60%
using  pts
0.85%
using  pts
10 Month Certificate 10 Month Certificate 0.40% 0.65%
using  pts
0.90%
using  pts
12 Month Certificate 12 Month Certificate 0.45% 0.70%
using  pts
0.95%
using  pts
24 Month Certificate 24 Month Certificate 0.65% 0.90%
using  pts
1.15%
using  pts
36 Month Certificate 36 Month Certificate 0.90% 1.15%
using  pts
1.40%
using  pts
48 Month Certificate 48 Month Certificate 1.11% 1.36%
using  pts
1.61%
using  pts
60 Month Certificate 60 Month Certificate 1.31% 1.56%
using  pts
1.81%
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

1
Certificate of Deposit is rated 4.3939 out of 5 by 33.
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 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 2 out of 5 by from Do not like changes made 3 years I do not like changes to CD rewards points.With new rules has made me take Jumbo CD out of your bank and give them to other banks.With 5,000 point rule your rates where good and kept money there, now with out it some banks are better rates,
Date published: 2016-01-13
Rated 5 out of 5 by from Great Value for CD! I opened a 12-month CD account about a month ago. It was easy to open online and I was able to get a significant interest rate increase by using some of my relationship reward points. Thanks Fairwinds for being in my corner!
Date published: 2016-02-13
  • 2016-04-30T08:45CST
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  • clientName_fairwinds

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.