Already on the journey — now let’s make the most of it.
You’ve unlocked the power of Save Smart Savings and Spend Smart Checking accounts, inspired by Dave Ramsey’s principles. Dive back in to see how your accounts can work even harder for you.
High-Yield Savings
Earn ... APY on your Save Smart Savings balances up to $100,000.
Free Nationwide Access
Tap into 35,000 fee-free ATMs and 5,550+ partner branches nationwide.
Get Paid Early
Get paid up to two days early with direct deposit.
Time to Get Smart About Your Money
Our high-yield 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-Yield savings that pays ... APY on the first $100,000 and 0.10% APY on everything else over $100,000.
Incoming domestic and international wire fees are rebated.
Federally Insured by NCUA
Automatically bundled with Spend Smart Checking Account
$10 minimum opening deposit.
No monthly service charge and no minimum balance requirement.
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®.
Access to over 35,000 ATMs and 5,000 branches nationwide for free and receive up to $10 in monthly refunds whenever accessing out-of-network ATMs.
No international debit card transaction fees.
Incoming domestic and international wire fees are rebated.
Automatically bundled with our high-yield Save Smart Savings Account.
$25 minimum opening deposit.
No monthly service charge and no minimum balance requirement.
Two NSF (Non-Sufficient Funds) charges refunded each year.
“Be Weird” Visa® Debit Card
Carry the daily reminder that you’ve chosen financial freedom over debt. With our Be Weird Visa debit card, you'll receive access to over 35,000 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.
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® 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.
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.“SERIOUSLY, why is FAIRWINDS so amazing?! You're going to put us all into shock not making us wait five hours to get a specific piece of documentation that our lives are hindering on in that very moment. STOP IT.”
“I am so glad that I finally took the step to become a member of FAIRWINDS and look forward to all of the financial wins that I can have with you!”
“I’ve been so impressed so far with the level of attentiveness I’ve received in opening these new accounts with y’all. It’s very rare to see this type of excellent customer service, & it’s making me extra thankful I chose to make the switch to FAIRWINDS.”
“I’ve never experienced such a warm welcome.”
“Oh my goodness, I have never had someone send a nice message like that when banking with them.”
“I’m very pleased with the credit union and amazing service and layout options. You have my business forever.”