Your financial journey continues here.
High-APY Savings
5.00% APY1 on your first $1,000 and 3.00% APY on everything else up to $100,000.
Free Nationwide Access
Tap into over 33,000 fee-free ATMs and 5,000 partner branches nationwide.
Get Paid Early
Get paid up to two days early with direct deposit2.
Time To Get Smart About Your Money
Our high-APY savings account comes with a checking account with no monthly service charge, no minimum balance requirement, and no hidden fees. It's all about helping you see your money clearly, keeping you on budget, and telling your money where to go instead of wondering where it went.
Save Smart Savings
High-APY savings that pays 5.00% APY on the first $1,000 and 3.00% APY on everything else up to $100,000.
No monthly service charge and no minimum balance requirement.
Your deposits are insured by NCUA.
Spend Smart Checking
Get paid up to two days early with direct deposit.
Easily send money to friends, family, and others you trust with Zelle®3
Access to over 33,000 ATMs and 5,000 branches nationwide for free.
Incoming domestic wire fee is rebated.
Go Bold Debit Card
Have the freedom and control to access your cash whenever and wherever you need it, all while staying on track with your financial goals. With our Go Bold debit card, you'll receive access to over 33,000 ATMs for free and receive up to $10 in monthly refunds whenever accessing out-of-network ATMs. And — for when you need to go cashless — you can make purchases securely by adding your card to your mobile wallet or by using tap-to-pay.
Everywhere You Are
We’ve got your back no matter where life takes you. Along with our top-notch digital banking, you can access your money in person across all 50 states. Tap into over 33,000 fee-free ATMs, receive up to $10 in monthly refunds whenever accessing out-of-network ATMs, or connect with our nationwide credit union partners at over 5,000 branch locations. We make banking simple, so you can manage your money anytime, anywhere!
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Accounts Designed Exclusively for You
For decades, Dave Ramsey has helped his listeners take control of their finances with his life changing advice on The Ramsey Show. We’ve combined his smart money approach with our over 75 years of experience in financial freedom to bring new members a package of exclusive checking and savings accounts designed to help you manage your money — so your money doesn’t manage you.
The technology and convenience you expect.
Stay connected to your finances anytime, anywhere with a suite of technology services and features. From sending and receiving money with Zelle®3 to mobile check deposit, debit card management and account alerts — we simplify how you use your money online.
Send Money in Minutes
Zelle® allows you to quickly send money to those you know and trust without sharing account numbers.4
Deposit Checks in a Snap
Deposit your check without waiting in line with our easy to use mobile app. Simply take a picture of the front and back of your check and it will be added to your account.
Stay Aware of Account Activity
Enjoy the peace of mind that comes with knowing exactly what's happening with your account by setting up customizable alerts sent directly to your phone.
Get Paid Early
Access your eligible direct deposits up to two days early — including paychecks, tax refunds, pensions, and more.
Anywhere Access
Manage your accounts, pay bills, deposit checks through the FAIRWINDS mobile app.
Card Management
Lock or unlock your card, replace a lost or damaged card, and more from our mobile app.
"It took me less than five minutes [to open an account], it was so user friendly."
- Rachel Cruze
Personal Finance Expert & Co-Host of the Ramsey Show
Member Stories
See what our members are saying.“In May of 2018, I graduated college and embarked on a journey to pay off my car (~$8,000) and student loan debt (~$19,000). I am very grateful that as of this past 2021 I have officially paid off both. My husband and I are now ready to buy our first home and we are super happy to have this financial freedom to do so as we prepare to grow our family!”
“We started an emergency savings account back in April and we have saved over $1,000!”
“In June 2020, I embarked on a journey to tackle my $21K in student loan debt, due to the pandemic forbearance. I was able to pay off and save the entire $21K in 11 months to conquer my student loan debt! It took a lot of sacrifice and hard work, and now I have increased investing and savings!”