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fairwinds.org | Get the freedom to go further.

None of the risk and all of the reward, our Certificate of Deposit (CD) accounts let you keep your money safe and secure while they grow.

Looking for a guaranteed rate with short- and long-term options? A FAIRWINDS Certificate of Deposit (CD) can help you grow your savings risk-free, in a term that works best for your goals.

We even offer an add-on option on some of our CDs, giving you the freedom to add unlimited funds to your account.

Member Bonus CD

Rates as high as 2.28% APY* with deposits starting at $10,000.

Available to members who have been with the credit union for at least one year that deposit a minimum of $10,000 from another financial institution.


Promotional CD

Rates as high as 2.02% APY* with deposits starting at $1,000.

Recharge your savings journey with a Promotional CD, then make it grow with our limited-time rates and flexible add-on feature.


Standard CD

Rates as high as 1.61% APY* with deposits starting at $100 on Add-On CDs.

Get the best rates available and boost your savings with a Certificate of Deposit from FAIRWINDS and terms that fit your schedule and lifestyle.


Early withdrawal of Certificate of Deposit is subject to penalty. Fees can reduce earnings on the account.

*APY= Annual Percentage Yield.

FAIRWINDS Member Reviews

Certificate of Deposit Account is rated 4.7 out of 5 by 285.
Rated 5 out of 5 by from Great customer service Glad I stopped at my local branch, spoke about great CD rates.
Date published: 2019-09-30
Rated 5 out of 5 by from Best bank ever I became a member of Fairwinds years ago, and It has been the best banking experience ever.
Date published: 2019-09-29
Rated 5 out of 5 by from Excellent service All I wanted was a CD and this young woman (sorry I don't have a name) went way out of her way to help me get the CD I wanted. Absolute best service I have ever had at the credit union and that's a long time. Thank You
Date published: 2019-09-22
Rated 5 out of 5 by from Great Value! I became a new member of Fairwinds several months ago. Their customer service was beyond what I expected. They took excellent care and met my needs with professionalism. I look forward to a long relationship.
Date published: 2019-09-19
Rated 5 out of 5 by from great value I have been a member for years with no problems at.
Date published: 2019-08-29
Rated 5 out of 5 by from good experience discovered a sister bank 4 miles from us in the mountains of NC. Worked out very well for us
Date published: 2019-08-26
Rated 5 out of 5 by from Excellent Service Promotional CD request was handled by a teller immediately after I walked in. Interest rate was one of the highest I could find locally. I am very satisfied.
Date published: 2019-08-15
Rated 5 out of 5 by from better than money market I have been a member of Fairwinds Credit Union for many years and it has been a great experience.
Date published: 2019-07-21
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