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Overview / Commentary
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 109th largest credit union in the nation. It was established in 1949 and as of December of 2017, it had grown to 506 employees and 180,986 members at 32 locations. Fairwinds Credit Union's CD rates are 33% 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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I Love Fairwinds Credit Union!

I have been a customer of Fairwinds Credit Union for about 7 or 8 years and I have been VERY pleased with their service. On at least three occasions, Fairwinds has called me to ask whether or not I was responsible for some unusual activity they noticed. I live in Florida, and one of these times they called to ask if I was attempting to purchase $75 worth of gas at a gas station in upstate New York. I advised them that this was definitely not me and they blocked the transaction on the spot, canceled my debit card which had apparently been compromised, and sent me a new debit card within a few days. I feel that Fairwinds puts forth a lot more effort in protecting my account than any bank I have used before. It is a wonderful feeling knowing that my bank is watching for suspicious activity on my account and that they can block unauthorized transactions before they manage to take any money from my account and this makes me feel very secure.

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.


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.



Health Grade Components

NCUA #68417
Year Chartered1949
Primary Regulator
Profit Margin
Return on Assets - YTD1.04%
Return on Equity - YTD10.11%
Annual Interest Income$68.3MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$2.17B$2.08B
LoansQ4 2017vs Q4 2016$1.51B$1.35B
DepositsQ4 2017vs Q4 2016$1.89B$1.78B
Equity CapitalQ4 2017vs Q4 2016$224.4MM$201.2MM
Loan Loss AllowanceQ4 2017vs Q4 2016$11.5MM$11.1MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$6.7MM$7.6MM
Real Estate OwnedQ4 2017vs Q4 2016$7.1MM$9.8MM
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* 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

0.30%*$10k*-Health Savings Account (HSA)
OTHER TIERS: 0.15% Up to $3k | 0.20% $3k - $5k | 0.25% $5k - $10k
0.30%--IRA Savings Account
0.10%--Savings Account
0.10%--Business Savings Account

Fairwinds Credit Union Money Market Rates

0.40%*$100k*-Premium Money Market Account
OTHER TIERS: 0.25% $10k - $50k | 0.30% $50k - $100k
0.40%*$1m*-Premium Business Money Market Account
OTHER TIERS: 0.20% $50k - $250k | 0.30% $250k - $1mm
0.25%*$100k*-Money Market Account
OTHER TIERS: 0.15% $2,500 - $25k | 0.20% $25k - $100k
0.20%*$25k*-Non-Profit Business Money Market Account
OTHER TIERS: 0.10% $5k - $10k | 0.15% $10k - $25k
0.15%*$25k*-Business Money Market Account
OTHER TIERS: 0.10% $10k - $25k

Fairwinds Credit Union Checking Account Rates

0.04%*$50k*-Preferred Checking
OTHER TIERS: 0.01% Up to $10k | 0.02% $10k - $25k | 0.03% $25k - $50k

Fairwinds Credit Union CD Rates

2.10%$1k-60 Month CD w/ .50% Bonus
1.90%$1k-48 Month CD w/ .50% Bonus
1.85%$1k-60 Month CD w/ .25% Bonus
1.65%$1k-36 Month CD w/ .50% Bonus
1.65%$1k-48 Month CD w/ .25% Bonus
1.61%$1k-60 Month CD
1.41%$1k-48 Month CD
1.41%$1k-Business 60 Month CD
1.40%$1k-24 Month CD w/ .50% Bonus
1.40%$1k-36 Month CD w/ .25% Bonus
1.21%$1k-Business 48 Month CD
1.20%$1k-12 Month CD w/ .50% Bonus
1.16%$1k-36 Month CD
1.15%$1k-24 Month CD w/ .25% Bonus
1.10%$500-10 Month CD w/ .50% Bonus
1.05%$1k-6 Month CD w/ .50% Bonus
0.95%$1k-3 Month CD w/ .50% Bonus
0.95%$1k-12 Month CD w/ .25% Bonus
0.90%$1k-24 Month CD
0.90%$1k-Business 36 Month CD
0.85%$500-10 Month CD w/ .25% Bonus
0.80%$1k-6 Month CD w/ .25% Bonus
0.70%$1k-12 Month CD
0.70%$1k-3 Month CD w/ .25% Bonus
0.65%$1k-Business 24 Month CD
0.65%$100-12 Month Add-On CD
0.60%$500-10 Month CD
0.55%$1k-6 Month CD
0.50%$100-6 Month Add-On CD
0.45%$1k-3 Month CD
0.45%$1k-Business 12 Month CD
0.35%$1k-Business 3 Month CD
0.35%$1k-Business 6 Month CD