Whether you're just learning how to save or are looking for a safe place to keep your retirement dollars, we have options to fit your needs. We offer a wide variety of savings products including basic savings accounts, money market savings, retirement (IRA) accounts, and certificates of deposit.

All of our accounts are insured by the NCUA up to $250,000.

Not sure which account is right for you? Review our accounts options on the left to find the one that's right for you.

We're ready to help you #SAVE4SOMETHING

Youth Accounts

It's never too early for kids to start saving. Whether they're learning how to take their first steps or getting ready to start their first summer job, FAIRWINDS provides your children fun and easy ways to save for the future.

Take a look and see how we can help your kids look forward to a financially secure future. They'll be glad that you did!

Savings Accounts

Start off on the right financial track with our suite of savings solutions. FAIRWINDS’ savings accounts provide you with accessibility and are convenient for times when unplanned expenses occur or if you’re saving up for something special.

Getting started saving is easy with FAIRWINDS. Our regular savings account has no minimum opening balance and no monthly service charge as long as you keep $50 in the account. You can make as many deposits as you like and even use the account for overdraft protection savings fund or save up for a special occasion.

Money Markets

Make your money work for you. Our money market offer great rates combined with convenient flexibility. When you're looking for great rates combined with easy access to your deposits, a FAIRWINDS Money Market Account is right for you.

For the savvy investor, we offer the Premium Interest Money Market Account. Available exclusively to members with an Interest Checking account, this account pays premium rates on balances of $10,000 or more.


Watch your money safely grow with our Certificate of Deposit options. These federally insured deposits will maximize your earnings and minimize your risk. And, because we save our best rates for our most loyal members, you can choose to use your Relationship Rewards points to add an additional .25% or .50% to our already great rates. Visit our Relationship Rewards page to learn more about this exciting program.


Plan for a financially safe and secure retirement with our IRA options.

Whether you are just starting to plan for retirement, changing careers, or searching for ways to maximize your lifestyle during retirement, we have options to fit your needs.

Health Savings Account

Enjoy peace of mind with a Health Savings Account (HSA). HSAs offer tax advantages and flexibility related to health expenses. Combined with your HSA Debit Card FAIRWINDS’ HSA provides added savings and convenient access to your money when you need it.

In order to open a Health Savings Account you must currently participate in a High Deductible Health Plan.

Which account fits you?

Are you just getting started saving? With low opening and monthly balance requirements, FAIRWINDS savings accounts are a great way to get started building a rainy day fund or saving for a special occasion. We even have special savings accounts for children and teens that teach good savings habits and reward them for reaching savings milestones.

How can you make your money work for you? Money market accounts combine tiered interest rates with easy access online, via ATM, in-person, or by check.

Looking for a secure way to maximize your investment? CDs offer the highest interest rate of any deposit account for members that don't need immediate access to their funds. Choose terms from three months to five years, all federally insured up to $250,000 by the NCUA.

Planning for retirement? Choose from a wide variety of options for your Roth or Traditional IRA including savings and certificates of deposit. Our investment advisors can also help you choose annuities, mutual funds and other long-term investments to meet your retirement needs.

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Regular Savings Apply Today Money Market Apply Today Premium Interest Money Market Apply Today Certificates of Deposit Apply Today

Minimum to Open

$10 $2,500 $10,000 $500

How to Avoid the Monthly Fee

Total savings balance (all savings accounts) of at least $50 Maintain an average monthly balance of $2,500 each month Maintain an average monthly balance of $10,000 each month No fee

Minimum Balance Fee

$5 $12 $15 No fee

Minimum to earn Interest

$1 $2,500 $10,000 $500

Competitive Interest Rates

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Earns Relationship Rewards Points

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Insured up to $250,000 by the NCUA

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Unlimited Deposits

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Unlimited in-person withdrawals

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Easy online and ATM access

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Use for overdraft protection

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Tiered Interest Rates

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Higher rates with Relationship Rewards Points


Penalties for Early Withdrawal


Other fees

Service Charge Schedule
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Regular Savings
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Money Market
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Premium Money Market
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Certificate of Deposit