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 111th largest credit union in the nation. It was established in 1949 and as of September of 2018, it had grown to 516 employees and 188,802 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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Fairwinds: Large but In Charge

When I opened my account at Fairwinds CU, I'd only previously had experience with big banks. My number one issues with big banks were insane fees and inpersonal customer serviceand the two things that motivated my switch and that I expected Fairwinds to deliver. On all counts, they did! For a credit union, Fairwinds is pretty big, servicing most of the people in my university and around the area. This didn't stop them from treating me like an individual. Every time I went to a branch, they knew me by name and referenced things we'd spoken about in the past. The customer service phone line wasn't nearly this personal, of course, but they still always made me feel like a person rather than an account number. Fairwinds was helpful to me on both ends through fraudulent account activity, switching around personal information when I moved, and even just normal deposits or cheques. All this came with little fees too, unlike the 40+ dollar overdraft fees I'd incurred haphazardly in big banks. Every time there was some kind of fee, they were very clear about what it was. Overall, Fairwinds gets an A from me for both clarity and connection.

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.

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Health

Health Grade Components

Overall
NCUA #68417
Year Chartered1949
Employees516
Primary Regulator
Profit Margin
Return on Assets - YTD1.37%
Return on Equity - YTD13.21%
Annual Interest Income$56.9MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$2.32B$2.18B
LoansQ3 2018vs Q3 2017$1.68B$1.45B
DepositsQ3 2018vs Q3 2017$1.97B$1.88B
Equity CapitalQ3 2018vs Q3 2017$240.1MM$221.5MM
Loan Loss AllowanceQ3 2018vs Q3 2017$11.7MM$11.4MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$8.5MM$7.7MM
Real Estate OwnedQ3 2018vs Q3 2017$3.5MM$7.0MM
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
0.30%*$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.87%--Investor Savings
1.26%*$1m*-Premium Money Market Account
OTHER TIERS: 0.25% $10k - $50k | 0.50% $50k - $100k | 0.75% $100k - $250k | 1.01% $250k - $1m
1.26%*$250k*-Premium Business Money Market Account
OTHER TIERS: 0.50% $50k - $250k
0.25%*$100k*-Money Market Account
OTHER TIERS: 0.15% $2.5k - $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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.79%$50k-44 Month CD Special
2.38%$25k-18 Month CD Special
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
1.77%$50k-11 Month CD Special
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
0.70%$100-12 Month Add-On CD
0.65%$1k-Business 24 Month CD
0.60%$500-10 Month CD
0.55%$1k-6 Month CD
0.55%$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
Locations

Availability



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