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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 4.6 out of 5 by 259.
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
Rated 5 out of 5 by from Nice short-term savings Our family certainly enjoyed the opportunity to earn a bit more taxable income. Nice product.
Date published: 2019-06-13
Rated 5 out of 5 by from FAIRWINDS is not just bank I became a member in 1972. FAIRWINDS help me with my finances when I need them. That’s I been a loyal customer.
Date published: 2019-05-07
Rated 5 out of 5 by from Excellent value and reward The product (CD) has an attractive return rate in our current financial market trends.
Date published: 2019-05-02
Rated 5 out of 5 by from Good option for better rates CD rates were good and the process was quick and easy. Associate was well informed and friendly as well as also very professional.
Date published: 2019-05-01
Rated 5 out of 5 by from Thanks for the opportunity Really like that I could add to the initial deposit amount. I moved funds from elsewhere when I found out I could continue to increase the CD amount.
Date published: 2019-04-29
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