Top 5-Year CD Rates at Fairwinds Credit Union in Central Florida


1.61%$1k-Fairwinds Credit Union60 Month CD
Rates as of November 17, 2018.

In the last couple of years I've seen more credit unions offering relationship certificate rates. These are higher CD rates if the member has certain relationships with the credit union or has accumulated a certain number of points for those relationships. Often the relationship is an active checking account, credit card or loan. For those who just want to open a CD and forget about it, these relationship requirements can be a deal killer. However, for those willing to put in some work, there can be a nice payoff with substantially higher CD rates. That's the case with Fairwinds Credit Union. Without relationship reward points, its 5-year CD and IRA CD rate is competitive at 1.82% APY. With relationship reward points, the rates become much more competitive: 2.07% APY for 2,500 points and 2.33% APY for 5,000 points. These rates are listed in Fairwinds deposit rates page as of 5/15/2012.

Earning relationship points at Fairwinds is typically a slow process. For example, you earn 100 points for every year of membership and 1 point for every $1 in interest paid on loans or earned on deposit accounts. However, there is currently a promotion which allows members a quick way to earn a lot of points. It's by referring a friend or family member. When the friend or family member opens a Fairwinds checking account, you earn 2,500 points. So if you have 2 friends or family members who join and open a checking account, you can quickly earn 5,000 points. You should then be able to use those to qualify for the top 5-year CD rate. Over 5 years, this extra 50 basis points can result in more than $2,500 for a $100,000 deposit. For details of earning and redeeming points, please refer to Fairwinds Relationship Rewards page.

Membership is open to those living or working in any one of the following Central Florida counties: Brevard, Polk, Lake, Orange, Osceola, Seminole and Volusia. Please refer to Fairwinds Who-We-Are page for more details. Membership application can be done online. Accounts can be funded using an electronic transfer from another financial institution.

Fairwinds does have more potential monthly fees on savings and checking accounts than most other credit unions. I reviewed some of these in this post.

Fairwinds is a large credit union with 37 branches located in Orlando and throughout Central Florida.

The credit union has an overall health score at of 3 stars (out of 5) with a Texas ratio of 50.49% (below average) based on December 2011 data. Please refer to our financial overview of Fairwinds Credit Union for more details. The credit union is federally insured by the NCUA (Charter # 68417).

How This CD Rate Compares

The best 5-year CD rate that's nationally available is 2.25% APY at Astera Credit Union. This requires a $50K minimum deposit. Astera Credit Union makes it easy for anyone to join via an association membership and an online application. The best 5-year CD rate that's nationally available at a bank is 1.91% APY at State Bank of India (New York).

Searching for Top CD Rates

To search for nationwide CD rates and CD rates in your state, please refer to the best CD rates section of

Related Pages: Fairwinds Credit Union, Orlando, CD rates, IRA rates

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