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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!

Looking for a risk-free way to save your money while being rewarded with more interest?

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

18 Month CD

2.38% APY*
Minimum to Open: $25,000
(Not available to open online.)

44 Month 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 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
0.95%
using  pts
6 Month Certificate6 Month Certificate 0.55% / 0.55% 0.80%
using  pts
1.05%
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 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 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

Certificate of Deposit Account is rated 4.6 out of 5 by 158.
Rated 5 out of 5 by from Excellent service I’m a satisfied member and will continue to be a member for many more years.
Date published: 2018-09-14
Rated 5 out of 5 by from An easy process This is not the first time that I have opened a CD with this credit union, so the process was easy, as expected.
Date published: 2018-09-14
Rated 5 out of 5 by from Fast and easy Decided to open a CD and found doing it online was crazy fast and easy.
Date published: 2018-08-29
Rated 5 out of 5 by from good interest rate I have car and house loans have cds because of great service and good rates
Date published: 2018-08-19
Rated 5 out of 5 by from Great bank and Custer service I am a fairwind customer for about 6 years or more and love it
Date published: 2018-08-04
Rated 5 out of 5 by from CD using reward points I have been a member for many years. I continue to be pleased with the service I receive. Our teller recommended using our reward points to receive a better rate on our CD. We took her advice and it was approved in the same day.
Date published: 2018-07-28
Rated 5 out of 5 by from perfect for me I opened a add on CD after speaking with a Rep months earlier. This product fit my needs perfectly.
Date published: 2018-07-27
Rated 5 out of 5 by from Worked great for me I have been a member for several years. I decided to open a CD and was delighted to find I could do it on line.
Date published: 2018-07-15
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