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135 W Central Blvd Suite 1220
Orlando, FL 32801

Fairwinds Credit Union is headquartered in Orlando and is the 6th largest credit union in the state of Florida. It is also the 103rd largest credit union in the nation. It was established in 1949 and as of March of 2014, it had grown to 478 employees and 166,611 members. Fairwinds Credit Union's savings rates are 25% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must live or work in Orange, Seminole, Volusia, Osceola, Polk, Brevard or Lake County. - See Details

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Reviews (6)


My husband and I were with Fairwinds for over 15 years when we decided that it was safe to finally open saving accts for our 2 boys. A couple years went by and my boys account had close to an about $200 each, until one day I asked for a receipt so I could combine my boys' saving accts together. But then in one acct there was $60 & $70 in the other acct left in my boys' savings. I asked for an explanation and the so call manager @ Fairwinds in Osceola told me they charged my boys accts $5.00 a month because the mailing address under my boys' accts was never changed. This is the same manager & bank who knew me and my family everytime we go in there but yet they couldn't tell us that we needed to change the mailing for my boys. What made it so wrong was the the fact that the mailing address had been changed for me & my husband though my boys' acct were directly under my acct. The manager said she couldn't refund my boys money because everytime they sent the statements to our mailing address for the boys' the statements were RETURN to sender. What in the world? I was very upset and closed all of our accts on the spot since the manager rather steal from children's accts then to correct mistakes that they made.

HORRIBLE! Bull**** Fees Galore.

Made me pay more money than I care to remember on bull**** fees because of "policy changes" I was never informed of. POS company. I am so happy my car is finally paid off so I can NEVER have to deal with them again!

Fairwinds Credit Union - Orlando

They are not the same banking professionals as years past or forgot what they stood for. New policys & proceedures has forced many loyal customers to find More Customer Friendly Banks.

Free Debit Card

$5 debit card fee worries people to credit unions!?!?! Ha! Be aware of how credit unions will take YOUR money! Especially Fairwinds Credit Union!

The story...

I made a mistake at 5:15am at the gas pump, I used the wrong card. I have the blue Orlando Magic debit card, looked like my Wachovia (Wells Fargo) card. I caught it when it was too late. I overdrew my account by $4.00. I went at 8:06am the same day to their Lake Mary branch, deposited the cash to cover it and brought the account to a positive balance!! They STILL charged me a overdraft fee of $35 at 12:08pm according to the customer service agent! When the account was positive!!!!

How is it fair to penalize a customer like that when they went to go deposit the cash BEFORE you assessed the fee!!!

And the credit union has the audacity to send a news letter called the "Fairwinds advocate!"


Even if you go to deposit cash at their ATM it takes them 2 business days to process it! When in comparison with my Wells Fargo account I can deposit cash at the ATM and get credit right away!!!


Worst Company I Ever Did Business With.

I was lured to this joke of a financial institution. The management team is horrible and implements policy and procedure with out thinking them through on how it impacts its members. They hire branch managers with no banking or leadership ability. Most people there just repeat orders from the top and are too scared of the CEO which they all joke about behind his back.The branches are under staffed and tellers take to long to run 1 transaction because they are to busy asking you to refinance your car, bring more money over, meet an investment person, refinance your house, who is your insurance company, take a survey on, on and on. They have to nerve to tell me they will get in trouble if they don't ask. While they are bombarding me with questions they then deposit my money to the wrong account. Stay away from FCU . They do not practice what they preach behind closed doors. For a non profit company they sure make a lot of money that none of its members benefit from. .01 RATE ???

Years Of Patronage Then Screwed

I am a businessman who counted on them to be professionals. They messed up my accounts so often I finally withdrew all my business before my risk become any more extreme. I was attempting to start an LLC to separate my business from my personal assets as a legal matter, and they messed me up so bad I had to leave the credit union completely. Then when asking them to correct their mistakes they would not do so and acted like bankers covering their backside, and making up excuses for lying to me. They hire stupid people who are slow learners for the most part, and who constantly mess up. When they messed up big time the AVP came in and told them to CYA rather than fix the problems. To make matter worse they charged me to get my own funds out of their institution in the only way that was safe from them causing me anymore damage. Credit Union? I think not... this is a bank acting like they are a credit union. Credit Unions treat their customers better and don't disrespect them when they the credit union makes errors.

What is very sad is that after putting me and my business' funds in jeopardy they personally disrespected me. Yes they are a bank. Yes they say they are a credit union, but it's hard to tell the difference when it comes to your privacy and the way banks screw you to where you want to join a credit union. Once nice people, now just a sorry excuse for a financial institution. You would do well to take your money to a small community bank, if there is such a thing anymore, at least they have rules and survive on the good will they create between their customers unlike large banks and credit unions like mine. Please don't get me wrong, they have some good people working for them, but these good people are in danger of becoming bad as they have forgotten what integrity is, or are forced to act like bankers. Bye, bye Fairwinds. Now maybe I'll have some free time not constantly correcting their mistakes, and or, being ignored when they don't want to deal with their errors. It's been fun..... but not really.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Fairwinds Credit Union had $32.94 million in non-current loans and owned real-estate with $165.01 million in equity and loan loss allowances on hand to cover it. This gives Fairwinds Credit Union a Texas Ratio of 19.96% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Fairwinds Credit Union decreased slightly from 28.17% as of March 31, 2013 to 19.96% as of March 31, 2014, resulting in a positive change of 29.13%.This indicates that the balance sheet and financial strength for Fairwinds Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Fairwinds Credit Union has increased its total deposits by $44.73 million, resulting in 3.02% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Fairwinds Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Fairwinds Credit Union has $1.76 billion in assets with $165.01 million in equity, resulting in a capitalization level of 9.37%, which is average.

Institution Statistics

NCUA #68417
Year Chartered1949
Primary Regulator
Assets and Liabilities
Assets$1.76 billion
Loans$873.74 million
Deposits$1.53 billion
Equity Capital$147.19 million
Loan Loss Allowance$17.82 million
Unbacked Noncurrent Loans$15.86 million
Real Estate Owned$17.08 million
Historic Data - March 2013
Assets$1.73 billion
Equity Capital$151.90 million
Loan Loss Allowance$21.73 million
Unbacked Noncurrent Loans$15.86 million
Real Estate Owned$23.44 million
Profit Margin - Quarterly
Net Interest Margin1.15%
Return on Assets1.09%
Return on Equity13%
Interest Income$13.46 million

Always verify rates and promotions with the bank or credit union. We are not Fairwinds Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Fairwinds Credit Union Savings Account Rates

0.65%--$5K Savings
0.25%$10k-Health Savings Account
0.10%--Premium Holiday Savings
0.05%--Secondary Savings
0.05%--Business Savings
0.05%--Business Secondary Savings

Fairwinds Credit Union Money Market Rates

0.30%$100k-Premium Money Market
0.20%$100k-Money Market
0.15%$1m-Premium Business Money Market
0.15%$25k-Non-Profit Business Money Market
0.10%$25k-Business Money Market

Fairwinds Credit Union Checking Account Rates

0.03%$50k-Interest Checking
0.00%--Business Checking

Fairwinds Credit Union CD Rates

1.71%--60 Month CD w/ 5000 Rewards Points
1.51%--48 Month CD w/ 5000 Rewards Points
1.46%--60 Month CD w/ 2500 Rewards Points
1.31%--36 Month CD w/ 5000 Rewards Points
1.26%--48 Month CD w/ 2500 Rewards Points
1.21%--60 Month CD
1.11%--24 Month CD w/ 5000 Rewards Points
1.06%--36 Month CD w/ 2500 Rewards Points
1.01%--48 Month CD
1.01%--60 Month Business CD
0.90%--12 Month CD w/ 5000 Rewards Points
0.85%--24 Month CD w/ 2500 Rewards Points
0.85%$500-$500 10 Month CD w/ 5000 Rewards Points
0.80%--36 Month CD
0.80%--48 Month Business CD
0.80%--6 Month CD w/ 5000 Rewards Points
0.70%--3 Month CD w/ 5000 Rewards Points
0.65%--12 Month CD w/ 2500 Rewards Points
0.60%--24 Month CD
0.60%--36 Month Business CD
0.60%$500-$500 10 Month CD w/ 2500 Rewards Points
0.55%--6 Month CD w/ 2500 Rewards Points
0.45%--3 Month CD w/ 2500 Rewards Points
0.40%--12 Month CD
0.40%--24 Month Business CD
0.35%$500-$500 10 Month CD
0.30%--6 Month CD
0.20%--3 Month CD
0.20%--12 Month Business CD
0.10%--3 Month Business CD
0.10%--6 Month Business CD

Fairwinds Credit Union IRA Rates

1.71%--60 Month IRA w/ 5000 Rewards Points
1.51%--48 Month IRA w/ 5000 Rewards Points
1.46%--60 Month IRA w/ 2500 Rewards Points
1.31%--36 Month IRA w/ 5000 Rewards Points
1.26%--48 Month IRA w/ 2500 Rewards Points
1.21%--60 Month IRA
1.11%--24 Month IRA w/ 5000 Rewards Points
1.06%--36 Month IRA w/ 2500 Rewards Points
1.01%--48 Month IRA
0.90%--12 Month IRA w/ 5000 Rewards Points
0.85%--24 Month IRA w/ 2500 Rewards Points
0.85%$500-$500 10 Month IRA w/ 5000 Rewards Points
0.80%--6 Month IRA w/ 5000 Rewards Points
0.80%--36 Month IRA
0.70%--3 Month IRA w/ 5000 Rewards Points
0.65%--12 Month IRA w/ 2500 Rewards Points
0.60%--24 Month IRA
0.60%$500-$500 10 Month IRA w/ 2500 Rewards Points
0.55%--6 Month IRA w/ 2500 Rewards Points
0.45%--3 Month IRA w/ 2500 Rewards Points
0.40%--12 Month IRA
0.35%$500-$500 10 Month IRA
0.30%--6 Month IRA
0.20%--3 Month IRA

Fairwinds Credit Union has 38 locations. Click to view all Fairwinds Credit Union locations.