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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 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*
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 238.
Rated 5 out of 5 by from Savings for our future we recently sold a house and wanted to invest wisely in ourselves.
Date published: 2019-04-16
Rated 5 out of 5 by from Able to Earn Higher Interest This is a wonderful opportunity to earn higher interest on your funds than a regular savings or money market account.
Date published: 2019-04-14
Rated 5 out of 5 by from Mrs My husband has been member of Fairwinds since 2007.I am his joint owner of the account.I hve become a member myself since March 2019
Date published: 2019-04-14
Rated 5 out of 5 by from Constant Excellent Service Received concise information on the Investor Account and the 18 month Add-On Promo CD which made my decision to open both products with peace of mind.
Date published: 2019-04-14
Rated 5 out of 5 by from CD Review I wanted to set up a CD when I was notified that the rate was so good, setting it up was easy and and the customer service exceeded my expatations.
Date published: 2019-04-14
Rated 5 out of 5 by from Customer Service Unbelievable exceptional customer service from the entire friendly staff.
Date published: 2019-04-14
Rated 5 out of 5 by from Fair days I am a fairwinds member for years ,and i am always happy THE CD rates was great
Date published: 2019-04-14
Rated 5 out of 5 by from I LOVE MY FAIRWINDS CREDIT UNION HAVE BEEN A MEMBER SINCE 1989 WHEN IT WAS THE NAVY CREDIT UNION ALL THE FAMILY IS A MEMBER.
Date published: 2019-04-11
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