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Overview / Commentary
407-277-5045
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 108th largest credit union in the nation. It was established in 1949 and as of September of 2017, it had grown to 517 employees and 179,805 members at 33 locations. Fairwinds Credit Union's CD rates are 17% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Fairwinds Credit Union is open to those who live or work in Orange, Seminole, Volusia, Osceola, Polk, Brevard or Lake Counties in Florida and to faculty, staff, students, and alumni of the University of Central Florida.
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Highly Recommended!

I have been a member of Fairwinds Credit Union for several years. I joined based on the recommendation of a family member, who was very happy with them. I had previously used two other banks but I was very dissatisfied with them, so I joined Fairwinds hoping for a better experience. I have a checking and savings account with Fairwinds and I have not had any problems whatsoever. I do not pay a monthly fee for my checking account. Their online banking website and mobile app are both convenient and easy to use. When I visit my local branch in person, I am always greeted with a smile and treated to excellent customer service. They are always very helpful and understanding. Before I switched to a new job with direct deposit, I appreciated the convenience being able to deposit my checks after-hours at the ATM, since my hours at my previous job made it difficult to make it to the bank during normal business hours. One time my account had an overdraft fee because the ATM was not working properly when I went to deposit my check. However, I returned to the branch during business hours and when I explained the situation, they waived the overdraft fee on my account. I have no complaints about Fairwinds and I would certainly recommend them to anyone.

Great Credit Union!

Posted by: IncaPlus | Dec 1, 2017

I have been banking with Fairwinds for more than four years now. Previously I had accounts at several of the large banks, but I was unhappy with their customer service and increasing fees, so I decided to try one of the local credit unions instead. Fairwinds has exceeded all of my expectations. Now I bank with them exclusively. I have checking and savings accounts there. Checking accounts are free with certain stipulations, so I don't have to worry about monthly charges to my account. Conveniently located local branches as well as free use of Presto! ATM locations allows me to access my account easily. I enjoy using their mobile app to deposit checks, view my accounts, or transfer funds between accounts. I have been very pleased with my experience at Fairwinds, and since they offer everything I need, I have no intention of switching to another bank.

The Fair Credit Union

Posted by: evebooth79 | Apr 3, 2017

I decided to join Fairwinds because I wanted an accessible banking option that still felt intimate, and this was exactly what I got. Fairwinds serves mainly my demographic: college students. Because of this, they have been very understanding and helpful with money issues I've had while I'm in school. For example, I have had overdraft fees waived and returned cheques approved after simply going into the credit union to speak with someone about my problems. As long as I take the initiative to communicate, Fairwinds has seemed willing to help and understand.

One thing I also appreciated is the ease of access for mobile and online banking. Their mobile app is superior to the big-name banks I've had before, which surprised me because of their smaller scale. I can check my balance, make bill payments, find locations, and perform mathematical operations right in my app with no bugs or issues. I think there's only been a single time the app was down. One complaint I do have is that the ATMs at branches seem to be down rather often, though. This is frustrating when I need to deposit or withdraw after-hours.

DRAINED MY CHILDREN's ACCOUNT

Posted by: mikasz30 | Feb 21, 2013

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.

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Health

Health Grade Components

Overall
NCUA #68417
Year Chartered1949
Employees517
Primary Regulator
Profit Margin
Return on Assets - YTD1.08%
Return on Equity - YTD10.61%
Annual Interest Income$50.9MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$2.18B$2.07B
LoansQ3 2017vs Q3 2016$1.45B$1.30B
DepositsQ3 2017vs Q3 2016$1.88B$1.77B
Equity CapitalQ3 2017vs Q3 2016$221.5MM$205.5MM
Loan Loss AllowanceQ3 2017vs Q3 2016$11.4MM$10.9MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$7.7MM$7.6MM
Real Estate OwnedQ3 2017vs Q3 2016$7.0MM$10.4MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not Fairwinds Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Fairwinds Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$10k*-Health Savings Account (HSA)
OTHER TIERS: 0.10% Up to $3k | 0.15% $3k - $5k | 0.20% $5k - $10k
0.25%--IRA Savings Account
0.05%--Savings Account
0.05%--Business Savings Account

Fairwinds Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$1m*-Premium Business Money Market Account
OTHER TIERS: 0.15% $50k - $250k | 0.25% $250k - $1mm
0.30%*$100k*-Premium Money Market Account
OTHER TIERS: 0.20% $10k - $50k | 0.25% $50k - $100k
0.20%*$100k*-Money Market Account
OTHER TIERS: 0.10% $2,500 - $25k | 0.15% $25k - $100k
0.15%*$25k*-Non-Profit Business Money Market Account
OTHER TIERS: 0.05% $5k - $10k | 0.10% $10k - $25k
0.10%*$25k*-Business Money Market Account
OTHER TIERS: 0.05% $10k - $25k

Fairwinds Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.03%*$50k*-Preferred Checking
OTHER TIERS: 0.01% Up to $10k | 0.02% $10k - $50k

Fairwinds Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.90%$1k-60 Month CD w/ .50% Bonus
1.70%$1k-48 Month CD w/ .50% Bonus
1.65%$1k-60 Month CD w/ .25% Bonus
1.50%$1k-36 Month CD w/ .50% Bonus
1.45%$1k-48 Month CD w/ .25% Bonus
1.41%$1k-60 Month CD
1.25%$1k-24 Month CD w/ .50% Bonus
1.25%$1k-36 Month CD w/ .25% Bonus
1.21%$1k-48 Month CD
1.21%$1k-Business 60 Month CD
1.05%$1k-12 Month CD w/ .50% Bonus
1.01%$1k-36 Month CD
1.01%$1k-Business 48 Month CD
1.00%$1k-24 Month CD w/ .25% Bonus
1.00%$500-10 Month CD w/ .50% Bonus
0.95%$1k-6 Month CD w/ .50% Bonus
0.85%$1k-3 Month CD w/ .50% Bonus
0.80%$1k-Business 36 Month CD
0.80%$1k-12 Month CD w/ .25% Bonus
0.75%$1k-24 Month CD
0.75%$500-10 Month CD w/ .25% Bonus
0.70%$1k-6 Month CD w/ .25% Bonus
0.60%$1k-3 Month CD w/ .25% Bonus
0.55%$1k-12 Month CD
0.55%$1k-Business 24 Month CD
0.50%$100-12 Month Add-On CD
0.50%$500-10 Month CD
0.45%$1k-6 Month CD
0.40%$100-6 Month Add-On CD
0.35%$1k-3 Month CD
0.35%$1k-Business 12 Month CD
0.25%$1k-Business 3 Month CD
0.25%$1k-Business 6 Month CD
Locations

Availability