Choose a Credit Card!

FAIRWINDS Cash Rewards Visa®

Earn unlimited cash rewards on your everyday purchases.

Card Features
    • 1.00% cash rewards on the first $10,000 in purchases annually*
    • 1.25% cash rewards on all additional purchases annually*
    • 2.00% cash rewards on gas and groceries*
    • 0.00% introductory APR for the first 12 months on purchases and balance transfers
    • Thereafter, enjoy low rates ranging from 10.24% - 18.00% APR based on creditworthiness
    • No annual fee
    • Rates and Terms

    *See Card Agreement and Disclosures for full details.

    FAIRWINDS Platinum Rewards Visa®

    Earn rewards for your everyday purchases.

    Card Features
    • Card Rewards program for travel, merchandise, gift cards and entertainment rewards
    • 0.00% introductory APR on purchases and balance transfers for the first 12 months after account opening
    • Thereafter, enjoy low rates ranging from 10.24% - 18.00% APR based on creditworthiness
    • No annual fee
    • Rates and Terms
    Credit Card Rewards
    Visit Now - Browse Card Rewards Merchandise

    Log In to Card Rewards

    To access your Card Rewards, log into FAIRWINDS Online through the Account Login on the top of the page. Once in, select Additional Services and choose Rewards.

    Additional Services

    Never used FAIRWINDS Online before? Click here for information for first-time users.

    FAIRWINDS Children's Miracle Network Hospitals Visa®

    Make a miracle happen!

    Card Features
    • 0.00% introductory APR on purchases and balance transfers for the first 12 months after account opening
    • Thereafter, enjoy low rates ranging from 9.24% - 18.00% APR based on creditworthiness
    • No annual fee
    • Rates and Terms

    Plus, for each retail purchase you make, we will make a donation to benefit the UF Health Shands Children's Hospital and Arnold Palmer Hospital for Children

    FAIRWINDS Platinum Visa®

    Enjoy low rates and no hidden fees.

    Card Features
    • 0.00% introductory APR on purchases and balance transfers for the first 12 months after account opening
    • Thereafter, enjoy low rates ranging from 9.24% - 18.00% APR based on creditworthiness
    • No annual fee
    • Rates and Terms

    FAIRWINDS Secured Visa®

    Get started building or rebuilding your credit.

    Card Features
    • Important account information is shared with the 3 major credit bureaus - helping you build credit history
    • We can approve you at any credit score, no minimum required
    • After 12 months, you may qualify to have your security deposit returned based on credit worthiness and ability to repay
    • Rates and Terms

    APR = Annual Percentage Rate

    Rates are current as of 2/01/2015.

    Loans are subject to credit union membership eligibility, credit approval, and verification of information provided on the application. Other terms and conditions may apply. Terms and conditions subject to change at any time without prior notice.

    FAIRWINDS Cash Rewards Visa®Apply FAIRWINDS Platinum Rewards Visa®Apply FAIRWINDS Children's Miracle Network Hospitals Visa®Apply FAIRWINDS Platinum Visa®Apply FAIRWINDS Secured Visa®Apply

    Which card is right for you?

    Earn unlimited cash rewards on every purchase.

    View more
    Earn 1 point for every $1 spent, with no limit. Redeem rewards for travel, merchandise, gift cards, entertainment, and more! Children's Miracle Network Hospitals receives 0.30% of all net retail purchases made with this card. Save money by taking advantage of this card's lower interest rates. Get started building or rebuilding your credit. No minimum credit score required.

    0.00% Introductory Rate*

    * * * *  

    No annual fee

    * * * *  

    Cash Rewards

    *        

    Rewards Points

      *      

    Travel and Emergency Assistance

    * *      

    Purchase Security Program

    * *      

    Warranty Manager Service

    * *      

    Fraud Protection with Visa's Zero Liability Policy™**

    * * * * *

    Auto Rental Collision Damage Waiver Program

    * * * * *

    Roadside Dispatch

    * * * * *

    APR = Annual Percentage Rate

    *0.00% introductory rate on purchases and balance transfers is valid for the first 12 months from date of account opening. After that, enjoy a low variable APR ranging from 9.24% to 18.00% based on your creditworthiness and type of card selected. This APR will vary with the market based on the Prime Rate.

    **Visa's Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit http://www.visa.com/security.

    FAIRWINDS Cash Rewards Visa® Credit Card

    1.00% cash rewards on the first $10,000 in purchases annually*
    1.25% cash rewards on all additional purchases annually*
    2.00% cash rewards on gas and groceries*

    Cash Rewards will automatically be credited quarterly to your credit card statement. A minimum $25 Cash Rewards credit must be accumulated before credit will be applied.

    *See Card Agreement and Disclosures for full details.

    FAIRWINDS Platinum Rewards Visa® Credit Card

    Card Rewards program for travel, merchandise, gift cards and entertainment rewards.

    Come see what we have in store for you.

    Auto Rental Collision Damage Waiver (ARCDW) Program This program offers free additional protection for vehicle rentals made with your Visa® card. ARCDW reimburses you for damage due to collision or theft up to the actual cash value of most rental vehicles. Learn more

    Travel and Emergency Assistance Visa® Travel and Emergency Assistance Services will put you in touch with the appropriate emergency services should the need arise. Benefits include: emergency messages to your family and business associates, referral services for medical, legal and transportation needs, and ticket, transportation, and luggage location assistance. Learn more

    Purchase Security Program Within the first ninety (90) days of the date of purchase, Purchase Security will replace, repair, or reimburse you for eligible items of personal property purchased entirely with your eligible Visa® card up to a maximum of $500 per claim and $50,000 per cardholder. It covers purchases and gifts in the event of theft, damage due to fire, vandalism, accidentally discharged water, or certain weather conditions. Learn more

    Warranty Manager Service Warranty Manager Service offers you a number of valuable features, including warranty registration and Extended Warranty Protection, all available with a simple toll-free telephone call. And with our Visa® Performance Guarantee you have the option of purchasing affordable Extended Service Agreements. Learn more

    Roadside Dispatch Roadside Dispatch® is a pay-per-use roadside assistance program provided expressly for Visa® cardholders. The program provides you with security and convenience wherever your travels take you. No membership required or pre-enrollment is required. No annual dues. No limit on usage. Learn more

    Zero Liability Your peace of mind and protection are paramount to us. Visa’s Zero Liability policy is our guarantee that you won’t be held responsible for fraudulent charges made with your card or account information. Learn more

    FAIRWINDS Cash Rewards Visa®Apply FAIRWINDS Platinum Rewards Visa®Apply FAIRWINDS Children's Miracle Network Hospitals Visa®Apply FAIRWINDS Platinum Visa®Apply FAIRWINDS Secured Visa®Apply

    Interest Rates and Interest Charges

    ANNUAL PERCENTAGE RATE (APR) for Purchases

    0.00% introductory APR for the first 12 months from date of account opening.


    After that, your APR will be 10.24% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

    0.00% introductory APR for the first 12 months from date of account opening.


    After that, your APR will be 10.24% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

    0.00% introductory APR for the first 12 months from date of account opening.


    After that, your APR will be 9.24% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

    0.00% introductory APR for the first 12 months from date of account opening.


    After that, your APR will be 9.24% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

    18.00% fixed

    APR for Balance Transfers

    0.00% introductory APR for the first 12 months from date of account opening.


    After that, your APR will be 10.24% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

    0.00% introductory APR for the first 12 months from date of account opening.


    After that, your APR will be 10.24% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

    0.00% introductory APR for the first 12 months from date of account opening.


    After that, your APR will be 9.24% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

    0.00% introductory APR for the first 12 months from date of account opening.


    After that, your APR will be 9.24% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

    18.00% fixed

    APR for Cash Advances

    18.00% This APR will vary with the market based on the Prime Rate.

    18.00% fixed

    Penalty APR

    None

    How to Avoid Paying Interest on Purchases

    Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

    Minimum Interest Charge

    None

    For Credit Card Tips from the Consumer Financial Protection Bureau

    To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

    FAIRWINDS Cash Rewards Visa®Apply FAIRWINDS Platinum Rewards Visa®Apply FAIRWINDS Children's Miracle Network Hospitals Visa®Apply FAIRWINDS Platinum Visa®Apply FAIRWINDS Secured Visa®Apply

    Fees

    Application Fees

    None

    None

    None

    None

    $25

    Annual Fees

    None

    None

    None

    None

    $25

    Transaction Fees

    - Cash Advance

    4.00% of the amount each cash advance, $10 minimum.

    - Balance Transfer

    3.00% of the amount of each balance transfer, $5 minimum.

    - Foreign Transaction

    2.00% of each transaction U.S. dollars.

    Penalty Fees

    - Late Payment

    up to $25 for first violation, up to $35 for each additional violation during any six consecutive billing cycles

    - Returned Payment

    up to $25 for first violation, up to $30 for each additional violation during any six consecutive billing cycles

    How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases)."

    Loss of Introductory APR: We may end your introductory APR if you make a late payment.

    Contribution Information: For every Children's Miracle Network Hospitals - branded credit card account, Children's Miracle Network Hospitals receives 0.30% of all net retail purchases made with the card.

    Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

    APR = Annual Percentage Rate

    Rates shown in ANNUAL PERCENTAGE RATE above accurate as of 2/01/2015. The information may have changed after that date. To find out what may have changed, call us at 407.277.5045 or write us at 3075 N. Alafaya Trail, Orlando, FL 32826. All rates are subject to a maximum of the greater of 18.00% APR or the highest APR then permitted by applicable law.

    FAIRWINDS Platinum Visa®and FAIRWINDS Platinum Rewards Visa® Variable Rate Credit Card Agreement and Disclosure [Show/Hide]

    FAIRWINDS Cash Rewards Visa® Variable Rate Credit Card Agreement and Disclosure [Show/Hide]

    FAIRWINDS Secured Visa® Credit Card Agreement and Disclosure [Show/Hide]

    FAIRWINDS Children's Miracle Network Hospitals Visa® Card Agreement and Disclosure [Show/Hide]