Get the flexibility and convenience you need to make sure you’re always in control of your finances, as well as great rates to keep your savings growing.
Our Money Market accounts will even reward you for your good saving habits with tiered interest rates and Relationship Rewards points you can redeem for extra perks.
Premium Money Market
Available exclusively to members with a Preferred Checking account, our Premium Money Market gives you all the great features below, as well as paying a premium rate on balances of $10,000 and more.
The Features
Tiered Interest Rates: Earn higher interest the more you save. With our tiered interest rates, you'll be rewarded for higher balances.
Unlimited Deposits: Make as many deposits as you like: weekly, monthly or once in a while, whatever fits your budget.
Easy Access to Your Funds: Check your balances, transfer funds, and make withdrawals at any ATM or online.
Relationship Rewards Points: Earn one point for each dollar you earn in interest on your deposits or pay in interest on your loans. Redeem these points for higher rates on deposits, lower rates on loans, and reduced fees.
Money Market Rates as of 09/26/16
| Money Market Rates |
Interest Rate |
APY |
| $0.01 - $999.99 |
0.00% |
0.00% |
| $1,000.00 - $2,499.99 |
0.00% |
0.00% |
| $2,500.00 - $9,999.99 |
0.10% |
0.10% |
| $10,000.00 - $24,999.99 |
0.10% |
0.10% |
| $25,000.00 - $49,999.99 |
0.15% |
0.15% |
| $50,000.00 - $99,999.99 |
0.15% |
0.15% |
| $100,000.00 - $999,999,999.99 |
0.20% |
0.20% |
| Premium Money Market |
Interest Rate |
APY |
| $0.00 - $9,999.99 |
0.00% |
0.00% |
| $10,000.00 - $49,999.99 |
0.20% |
0.20% |
| $50,000.00 - $99,999.99 |
0.25% |
0.25% |
| $100,000.00 - $249,999.99 |
0.30% |
0.30% |
| $250,000.00 - $999,999.99 |
0.30% |
0.30% |
| $1,000,000.00 - $999,999,999.99 |
0.30% |
0.30% |
The Details
Money Market
Minimum to Open — $2,500
Minimum to Earn Interest — $2,500
Premium Money Market
Minimum to Open — $10,000
Minimum to Earn Interest — $10,000
APY = Annual Percentage Yield
Fees can reduce earnings on the account.
FAIRWINDS Member Reviews
Money Market is rated
4.631578947368421 out of
5 by
57.
Rated 4 out of
5 by
Heidimember from
Easy to open, mobile deposit not
Long time member. Was not using Fairwinds as my primary bank. Decided to change that. Opening up the Money Market account was easy. Using mobile deposit to deposit more than $5000 into a Fairwinds account, impossible. Depositing it into my local bank and transferring in, worse as I can only do $3000 at a time, and as long as $3000 is scheduled to be done (it takes upwards of a week) I can't schedule the next $3000. My current bank does not limit mobile deposits to $5000. So making the change is not easy. I live out of the area now, but close. No local branches. So I need mobile deposits of more than $5000.
Date published: 2016-02-23
Rated 4 out of
5 by
Brendon from
Fairwinds
I've been a member with fairwinds for over ten years, I opened my account as a teenager. Although at first, because I wasn't quite as responsible with my finances as I am today, I had issues with fairwinds. As I became older and understood my finances and limitations more, I came to be very grateful for all that fairwinds has offered. Their professionalism and courtesy for their members has become something I truly and genuinely appreciate.
Date published: 2016-09-20
Rated 3 out of
5 by
jorge from
Extra account
I opened up a money market so i could save money in a separate account to act as a true emergency fund. I looked online and the rates didn't really seem all that great and it is just like I thought. My initial interest credit wasn't much more than I would have gotten by leaving the money in regular savings. But it did give me the ability to keep these funds away from my other funds so they don't get spent so that's good.
Date published: 2015-10-21
Rated 5 out of
5 by
Mikemember15 from
Great experience!
I just financed a car with Fairwinds Credit Union. The process and the personalized assistance I received was top notch. Within ten minutes I had my approval and during my search for just the right car, I had several follow up calls from Fairwinds to see if I needed any assistance. When I found the car, Fairwinds made the transaction a breeze.
Date published: 2015-07-30
Rated 5 out of
5 by
GMT333 from
Relational and Knowledgeable
The experience was exceptionally great. I had visited four banks in the area: two Chase, BB&T, Suntrust. Fair winds came in first and Suntrust second. Chase was at the bottom. WHY? Because Fairwind's person was relational, listened, went along with my needs, patient and kind. Her name: Crystal Parker.
Date published: 2015-07-30
Rated 5 out of
5 by
Locitlady from
Very helpful
She was very help in the decision to place the money in the right place. Thanks
Date published: 2016-09-24
Rated 5 out of
5 by
Smiles from
Higher Interest Earned
The teller noticed I had money in a regular savings account, and told me that a Money Market account has twice the interest rate. Immediately opened a MM account and transferred funds. Appreciate her taking time to notice and to offer this service.
Date published: 2016-09-20
Rated 5 out of
5 by
ThirtyPlus from
Great Customer Service!
I have been a member of Fairwinds since it's inception. Recently, i went into my local branch to make a few changes with my accounts. After 30 plus years, the customer service is STILL stellar. Thank you so much for your commitment to your customers.
Date published: 2015-10-25
