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.
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.
The Features
Deposits are insured up to $250,000 by the NCUA making them safe and secure.
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.
New Accounts
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Today's Rates
CD Rates
APY*
3-month CD
0.10%
6-month CD
0.20%
12-month CD
0.30%
24-month CD
0.40%
36-month CD
0.50%
48-month CD
0.60%
60-month CD
0.70%
Add-On CD Rates
APY*
6-month Add-On CD
0.20%
12-month Add-On CD
0.30%
Looking to boost your savings even more?
Enjoy a .25% APY* bump on your next Standard CD when you have the FAIRWINDS Visa Signature® card. Learn more about our Visa Signature.
*APY = Annual Percentage Yield.
The Details
Minimum to Open
$100 for 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
Fees can reduce earnings on the account. Federally insured by NCUA.
FAIRWINDS Member Reviews
Certificate of Deposit Account is rated
4.7 out of
5 by
347.
Rated 4 out of
5 by
Capn from
Good for what it isWhile the CD I opened is fine, it could have a better rate. Other than that, the online banking user interface could use some work and more functionality.
Date published: 2022-01-05
Rated 5 out of
5 by
Local mom from
CD renewalAppreciated being called and reminded about our CD renewal. Knowledgeable and friendly staff.
Date published: 2022-01-01
Rated 5 out of
5 by
Maggie May from
Easy!The young man was very helpful when I changed my accounts around.
Date published: 2021-12-29
Rated 5 out of
5 by
SarahT21 from
First ExperienceI have been a member of Fairwinds Credit Union for many years. I decided to open a CD account this year to help with Christmas purchases for my grandkids.
Date published: 2021-08-22
Rated 5 out of
5 by
Bking232 from
CdThe teller was able to do everything but she was very knowledgeable and helpful. She suggested an add on cd where I could more in it.
Date published: 2021-05-29
Rated 5 out of
5 by
Dottiej from
Best rate I could findI have been a member for many years and always have a good experience for my banking needs.
Date published: 2021-05-26
Rated 5 out of
5 by
LindaMember21 from
My experience at fairwindsMy experience was good that day and everything went well. I enjoyed my visit.
Date published: 2021-04-17
Rated 5 out of
5 by
Caz from
LuckyI am glad that I opened a CD with Fairwinds. I want to discipline myself saving extra funds. Interest rate is good. Staff is very helpful.
