Fairwinds Credit Union


Overview / Commentary
407-277-5045
135 W Central Blvd Suite 1220
Orlando, FL 32801

Fairwinds Credit Union is headquartered in Orlando and is the 5th largest credit union in the state of Florida. It is also the 106th largest credit union in the nation. It was established in 1949 and as of March of 2020, it had grown to 564 employees and 198,155 members at 34 locations. Fairwinds Credit Union's savings rates are 4X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in Fairwinds Credit Union is open to those who live, work, or own a business in Brevard, Hillsborough, Lake, Manatee, Orange, Osceola, Pasco, Pinellas, Polk, Sarasota, Seminole, or Volusia Counties in Florida. Faculty, staff, students, and alumni of the University of Central Florida are membership eligible, as are current members’ families who live outside the eligible counties.
See current membership details

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!

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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.

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.

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Health
A+

Health Grade Components

Overall
NCUA #68417
Year Chartered1949
Employees564
Primary Regulator
Profit Margin
Return on Assets - YTD0.6%
Return on Equity - YTD5.28%
Annual Interest Income$22.7MM
Assets and Liabilities
AssetsQ1 2020vs Q1 2019$2.84B$2.39B
LoansQ1 2020vs Q1 2019$2.01B$1.76B
DepositsQ1 2020vs Q1 2019$2.50B$2.10B
Equity CapitalQ1 2020vs Q1 2019$312.3MM$261.4MM
Loan Loss AllowanceQ1 2020vs Q1 2019$11.4MM$11.9MM
Unbacked Noncurrent LoansQ1 2020vs Q1 2019$5.1MM$7.5MM
Real Estate OwnedQ1 2020vs Q1 2019$699.00K$4.0MM
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
2.02%*-$1kFAIRWINDS Emergency Savings
OTHER TIERS: 0.05% $1k+
1.05%--FAIRWINDS Investor Savings
0.90%--Freedom Signature Savings
0.05%--IRA Savings Account
0.05%--Business Savings Account
0.05%--Freedom Access Saving
0.05%--Simple Savings

Fairwinds Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--Premium Business Money Market
0.50%--Preferred Money Market
0.20%--Money Market
0.10%--Business Money Market

Fairwinds Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$50k*-Freedom Signature Checking
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k | 0.15% $25k - $50k
0.04%*$50k*-Freedom 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
1.01%$1k-60 Month CD
0.90%$1k-48 Month CD
0.80%$1k-36 Month CD
0.80%$1k-Business 60 Month CD
0.70%$1k-24 Month CD
0.70%$1k-Business 48 Month CD
0.55%$1k-Business 36 Month CD
0.50%$1k-12 Month CD
0.50%$100-12 Month Add-On CD
0.45%$1k-Business 24 Month CD
0.40%$1k-6 Month CD
0.40%$100-6 Month Add-On CD
0.35%$1k-3 Month CD
0.25%$1k-Business 3 Month CD
0.25%$1k-Business 12 Month CD
0.20%$1k-Business 6 Month CD
Locations

Availability

Orlando Area

Interactive local rates map


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