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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 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.

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.

Today's Rates

CD Rates Interest Rate/APY*
3-month CD 0.45% / 0.45%
6-month CD 0.55% / 0.55%
12-month CD
  Open a 12-month CD Online!
0.70% / 0.70%
24-month CD 0.90% / 0.90%
36-month CD 1.15% / 1.16%
48-month CD 1.40% / 1.41%
60-month CD 1.60% / 1.61%
Add-On CD Rates Interest Rate/APY*
6-month CD
  Open a 6-month CD Online!
0.55% / 0.55%
12-month CD
  Open a 12-month CD Online!
0.70% / 0.70%
*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
  • Terms of 25 months or longer - 9 months' interest

See Service Charge Schedule for additional fees that apply to all FAIRWINDS accounts.

Fees can reduce earnings on the account. Federally insured by NCUA.