Refer & Earn
Refer & Earn

The Refer & Earn campaign is over,

but you can still join and we'll help you on your journey to achieve financial freedom.
Join Today
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Financial Freedom happens here.®

We are dedicated to helping our members save more, eliminate debt, build wealth, and live generously.

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Be part of a community that cares.

When you join FAIRWINDS, you join a community of thousands of passionate financial freedom seekers worldwide.

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Your accounts are federally insured.

Deposit accounts with FAIRWINDS are federally insured for up to $250,000 by the NCUA and the NCUSIF.

Checking Account Benefits and Features

When you open a checking account with FAIRWINDS, you’ll enjoy convenient features to help you save more and make banking easier.

  • Receive out-of-network ATM refunds.

  • Unlock access to savings accounts with premium interest rates with no service charge.

  • Free ATM Transactions at 35,000 FAIRWINDS, Presto!, and CO-OP Locations.

  • Automated Debit Card Round-Up Program to add to your savings or pay down your loan.

  • Free overdraft transfers, incoming wires, and stop payments.

  • Receive your eligible direct deposits up to two days early, including paychecks, tax refunds, pensions, and more.

  • Easily send money to friends, family, and others you trust with Zelle®.

Compare Checking Accounts

Find an account that best fits your lifestyle.

Spend Smart Checking

Ideal For

Members ready to take control of their money and start building toward long-term goals with confidence.

Monthly Service Charge

$0

Minimum to Open

$25

Out-of-Network ATM Refunds

Up to $10 in monthly refunds

Rebated Incoming Domestic and International Wires

Free Money Orders, Cashier's Checks, Incoming Wires, and Stop Payments

Free Checks

Insufficient Funds

Up to 2 refunded per year

Account Requirements

Automatically bundled with our high-yield Save Smart Savings Account

Learn More

Signature Checking

Ideal For

Members who want concierge-level service, premium rates, and perks that make managing money effortless.

Monthly Service Charge

$25

Minimum to Open

$25

Out-of-Network ATM Refunds

Unlimited refunds

Rebated Incoming Domestic and International Wires

Free Money Orders, Cashier's Checks, Incoming Wires, and Stop Payments

Free Checks

Insufficient Funds

Up to 2 refunded per year

Account Requirements

Learn More

Financial Freedom happens here.®

* Combined balances include consumer checking, savings, and CDs.

** Investment Advisory Services offered through LPL Financial, a Registered Investment Advisor

Check the background of investment professionals associated with this site on FINRA's BrokerCheck.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC).Insurance products are offered through LPL or its licensed affiliates.FAIRWINDSCredit Union andFAIRWINDSWealth Managementare notregistered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services usingFAIRWINDSWealth Management, and may also be employees ofFAIRWINDSCredit Union These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of,FAIRWINDSCredit Union orFAIRWINDSWealth Management. Securities and insurance offered through LPL or its affiliates are:

  • Not Insured by NCUA or Any Other Government Agency

  • Not Credit Union Guaranteed

  • Not Credit Union Deposits or Obligations

  • May Lose Value

Your Bank (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services. Please visithttps://www.lpl.com/disclosures/is-lpl-relationship-disclosure.htmlfor more detailed information.

The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

LPL Financial Form CRS 1.FAIRWINDSoffers Early Direct Deposit to members who set up direct deposit with their employer or payor, allowing access to funds up to two business days before your scheduled pay date. Early access for all direct deposits is not guaranteed and may not be consistently available. The timing of when these transactions are credited depends on when the employer or payor submits the information to us. Not all direct deposits qualify; direct deposits are limited to electronic deposits such as payroll, pensions, and government benefits through the ACH network. We reserve the right to determine whether certain deposit amounts, deposit types, or member accounts are excluded from the service. If funds are made available early but not collected, you are liable to repay them, and overdraft fees apply.FAIRWINDSmay modify or terminate Early Direct Deposit at any time without notice to you.

2. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC, and are used herein under license. U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes.

Routing Number ⑆ 263181368
© 2026 FAIRWINDS Credit Union