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FAIRWINDS branches will be closed on Monday, February 18 in observance of Washington's Birthday.

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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.

Terms fit your savings schedule with options ranging from 11 to 44 months.

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 Certificate 0.45% / 0.45%
6 Month Certificate 0.55% / 0.55%
12 Month Certificate
  Open a 12 Month Certificate Online!
0.70% / 0.70%
24 Month Certificate 0.90% / 0.90%
36 Month Certificate 1.15% / 1.16%
48 Month Certificate 1.40% / 1.41%
60 Month Certificate 1.60% / 1.61%
Add-On CD Rates Interest 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
  Open a 6 Month Certificate Online!
0.55% / 0.55%
12 Month Add-On Certificate12 Month Certificate
  Open a 12 Month Certificate 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 4.6 out of 5 by 188.
Rated 5 out of 5 by from Opened CD Great offer and saw it after I logged in to account
Date published: 2019-01-27
Rated 5 out of 5 by from Great Job The Casselberry branch is the best. The Winter springs branch is the worst and that manager should be terminated.
Date published: 2019-01-17
Rated 2 out of 5 by from Rates Should Be HIGHER ! The personal at the branch provide great customer service . But I feel rates are to low comparable .
Date published: 2018-12-29
Rated 5 out of 5 by from satisfied they have jumbo rates that other institutions do not offer - nuff said
Date published: 2018-12-29
Rated 3 out of 5 by from Sensible investment I received a mailer advertising the attractive offer with a reasonable interest rate.
Date published: 2018-12-26
Rated 5 out of 5 by from Great value My husband and I have been a member for almost 55 years when it was railroad
Date published: 2018-12-26
Rated 2 out of 5 by from it Should’ve been easy Teller was pleasant but obviously didn’t know what she was doing. She definitely needs more training. I was given incorrect information and I had to wait for her to constantly ask the other tellers questions which dragged out the process.
Date published: 2018-12-22
Rated 5 out of 5 by from Last experience Have been a member for several years. This is a wonderful branch. Everyone is so helpful.
Date published: 2018-12-19
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