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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.

We also offer Add-On CDs

Want your CD savings to grow with you? Choose a six 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.

DeLand Grand Opening Specials!

Enjoy two great ways to celebrate the new DeLand branch.

11 Month CD
1.11% APY*
Minimum to Open: $50,000
44 Month CD
2.22% APY*
Minimum to Open: $50,000
Open at a branch near you.

Use of REWARD points to receive a bonus rate is not permitted on DeLand Grand Opening 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 Details

Minimum to Open

  • $100 for Add-On CDs
  • $500 for 10 month CD
  • $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 RatesInterest 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
10 Month Certificate10 Month Certificate 0.60% / 0.60% 0.85%
using  pts
1.10%
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 RatesInterest 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

CD or Certificate of Deposit Account is rated 4.5 out of 5 by 120.
Rated 5 out of 5 by from Awesome experience One any only lender that I have been baking with since I was 17 years old.Providing exception financial assistance,and programs that's keep an abundant amount of options to their bankers.Highly recommend to any one trying to obtain or improve their credit,and excellent choice for financial assistance.
Date published: 2018-01-14
Rated 5 out of 5 by from Helping me SAVE The 12-Month Add-On CD is super helpful for someone really trying to save!
Date published: 2017-12-28
Rated 5 out of 5 by from Super Easy I opened a CD for my son's college education at my desk.
Date published: 2017-12-27
Rated 5 out of 5 by from Great CU I am a member over 20 years and I am very satisfied with FCU. Thank you.
Date published: 2017-12-22
Rated 5 out of 5 by from Good attention Nice attention received when requesting services for use of my bank cards in the foreigner
Date published: 2017-10-15
Rated 5 out of 5 by from GREAT BANKING HAVE BEEN A MEMBER OF FAIRWINDS CREDIT UNION FOR OVER (40) FORTY YEARS.
Date published: 2017-09-23
Rated 5 out of 5 by from Excellent My membership with Fairwinds spans four decades. If there is a better financial institution in Florida than Fairwinds, their owners are keeping it hidden...not likely. So, Fairwinds is simply THE BEST!
Date published: 2017-09-23
Rated 5 out of 5 by from Friendly, knowledgeable staff I recently opened a certificate account. It took only a few minutes. The representative was very knowledgeable and made the process a breeze.
Date published: 2017-09-23
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