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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.

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.

FAIRWINDS Member Reviews

Certificate of Deposit Account is rated 4.7 out of 5 by 264.
Rated 5 out of 5 by from Easy to set up and good value! I debated setting this up, but happy I did. It’s s good value and easy way to save.
Date published: 2019-06-23
Rated 5 out of 5 by from Great deal and easy to implement Joining Fairwinds has been an eye opening experience. Sorry I didn't look into Credit Unions a loooooong time ago.
Date published: 2019-06-23
Rated 5 out of 5 by from Easy to open Quick and easy to open the new CD account. Did everything through the app with all my other accounts.
Date published: 2019-06-23
Rated 5 out of 5 by from Easy Peazy The teller told me about the special 11 mo CD when I was depositing a large check from a real estate sale. The process to open the account took less than 5 minutes. I'm already getting interest!
Date published: 2019-06-20
Rated 5 out of 5 by from Easy-to-use In our busy hectic lives Fairwinds makes opening a new CD account on line sooo easy. It was hassle free and showed up on my accounts page with in a couple of days. And I have always been a person who would rather deal with these kind of things in person. But this was a great experince.
Date published: 2019-06-15
Rated 5 out of 5 by from Good Value I been with Fairwinds for 10 years and enjoy being a member
Date published: 2019-06-13
Rated 5 out of 5 by from Awesome I wanted to start a cd and was pleased with the interest rate Fairwinds offered and I was especially happy the process was able to be completed entirely online.
Date published: 2019-06-13
Rated 5 out of 5 by from Super Easy Transaction I was able to create my new certificate online at my leisure. This was a simple and painless transaction.
Date published: 2019-06-13
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