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Fairwinds Credit Union

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Fairwinds Credit Union Rates & Review November 2026

Q: What are the current interest rates at Fairwinds Credit Union?

Current rates for Fairwinds Credit Union include: 12-Month CD: 3.39%, 24-Month CD: 3.58%, 60-Month CD: 3.70%, Savings: 5.00%

Q: What CD terms does Fairwinds Credit Union offer?

Fairwinds Credit Union CD rates are 3.65% APY for a 6 month CD, 3.39% APY for a 12 month CD, 3.58% APY for a 2 year CD, 3.64% APY for a 3 year CD, 3.67% APY for a 4 year CD and 3.70% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Fairwinds Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Fairwinds Credit Union's 60-Month CD rates are at 3.70%, 48-Month CD rates are at 3.67%, 6-Month CD rates are at 3.65%, 36-Month CD rates are at 3.64%, 24-Month CD rates are at 3.58%. Fairwinds Credit Union's savings rates are at 5.00%. Fairwinds Credit Union's checking rates are as high as 0.20%. Fairwinds Credit Union's 15 Year Jumbo Mortgage rates are at 5.50%, 15 Year Fixed Mortgage rates are at 5.50%, 20 Year Jumbo Mortgage rates are at 6.00%, 20 Year Fixed Mortgage rates are at 6.00%, 30 Year Fixed Mortgage rates are at 6.50%. Fairwinds Credit Union's Personal Loan Rates are as low as 18.00%. Fairwinds Credit Union's Credit Card Rates are at 13.74%. Fairwinds Credit Union's CD rates are 15% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Fairwinds Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.64%. Rates last updated and verified on 10/30/2026.

Fairwinds Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Fairwinds Credit Union? Share your experience about Fairwinds Credit Union by leaving a review below, or read customer reviews before you decide to use Fairwinds Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.64%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Fairwinds Credit Union
Downtown Orlando

135 W Central Blvd
Orlando, FL 32801

https://www.fairwinds.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Fairwinds Credit Union CD Rates

Product	Rate	APY	Term
60-Month CD	-	3.70%	60 months
Min Deposit $1,000 Details Standard; Minimum to open: $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.51% → 3.70% ▲ 0.19 pts · high 3.70% / low 3.51% Oct 10, 20263.70%▲ from 3.51% Sep 14, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
IRA 60-month CD	-	3.70%	60 months
Details IRA CD Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
48-Month CD	-	3.67%	48 months
Min Deposit $1,000 Details Standard; Minimum to open: $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.47% → 3.67% ▲ 0.20 pts · high 3.67% / low 3.47% Oct 10, 20263.67%▲ from 3.47% Sep 14, 20263.47%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
IRA 48-month CD	-	3.67%	48 months
Details IRA CD Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.67% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
6-Month CD	-	3.65%	6 months
Min Deposit $1,000 Details Standard; Minimum to open: $1,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
IRA 6-month CD	-	3.65%	6 months
Details IRA CD Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
36-Month CD	-	3.64%	36 months
Min Deposit $1,000 Details Standard; Minimum to open: $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.43% → 3.64% ▲ 0.21 pts · high 3.64% / low 3.43% Oct 10, 20263.64%▲ from 3.43% Sep 14, 20263.43%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
IRA 36-month CD	-	3.64%	36 months
Details IRA CD Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.64% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
24-Month CD	-	3.58%	24 months
Min Deposit $1,000 Details Standard; Minimum to open: $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.39% → 3.58% ▲ 0.19 pts · high 3.58% / low 3.39% Oct 10, 20263.58%▲ from 3.39% Sep 14, 20263.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
IRA 24-month CD	-	3.58%	24 months
Details IRA CD Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.58% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
12-Month CD	-	3.39%	12 months
Min Deposit $1,000 Details Standard; Minimum to open: $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.24% → 3.39% ▲ 0.15 pts · high 3.39% / low 3.24% Oct 10, 20263.39%▲ from 3.24% Sep 14, 20263.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
IRA 12-month CD	-	3.39%	12 months
Details IRA CD Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.39% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
3-Month CD	-	1.16%	3 months
Min Deposit $1,000 Details Standard; Minimum to open: $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 1.14% → 1.16% ▲ 0.02 pts · high 1.16% / low 1.14% Oct 10, 20261.16%▲ from 1.14% Sep 14, 20261.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
IRA 3-month CD	-	1.16%	3 months
Details IRA CD Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.16% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Fairwinds Credit Union Savings Rates

Product	Rate	APY
Emergency Savings	-	5.00%
Details Balance: Balances up to $1,000.00; Premium rate of APY is applied to the first $1,000 in the Emergency Savings account Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
My First Home Savings Account	-	3.39%
Min Deposit $10 Details Last updated 10/29/2026; Minimum to open: $10 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.24% → 3.39% ▲ 0.15 pts · high 3.39% / low 3.24% Oct 10, 20263.39%▲ from 3.24% Sep 14, 20263.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Investor Savings	-	3.10%
Min Balance $0 Details Balance: $24,999.99 or below Last Updated 10/30/2026 Rate History 1 change since Oct 1, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 10, 20263.10%▲ from 3.00% Oct 1, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Investor Savings	-	3.10%
Min Balance $25,000 Details Balance: $25,000.00 to $49,999.99 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 10, 20263.10%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Investor Savings	-	3.10%
Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 10, 20263.10%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Investor Savings	-	3.10%
Min Balance $100,000 Details Balance: $100,000.00 to $249,999.99 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 10, 20263.10%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Investor Savings	-	3.10%
Min Balance $250,000 Details Balance: $250,000.00 to $499,999.99 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 10, 20263.10%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Investor Savings	-	3.10%
Min Balance $500,000 Details Balance: $500,000.00 or greater Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 10, 20263.10%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Save Smart Savings	-	3.10%
Details Balance: Balances up to $100,000.00; Premium rate applied to the first $100,000; Automatically bundled with a Spend Smart Checking Account Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 14, 20263.10%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Signature Savings	-	3.10%
Min Balance $250,000 Details Balance: $250,000.00 to $499,999.99; A Signature Checking Account is required Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 2.50% → 3.10% ▲ 0.60 pts · high 3.10% / low 2.50% Oct 10, 20263.10%▲ from 3.00% Sep 18, 20263.00%▲ from 2.50% Sep 14, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Signature Savings	-	3.10%
Min Balance $500,000 Details Balance: $500,000.00 or greater; A Signature Checking Account is required Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 10, 20263.10%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Signature Savings	-	2.50%
Min Balance $100,000 Details Balance: $100,000.00 to $249,999.99; A Signature Checking Account is required Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Signature Savings	-	2.15%
Min Balance $0 Details Balance: $24,999.99 or below; A Signature Checking Account is required Last Updated 10/30/2026 Rate History No change since Oct 1, 2026 · 2.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Signature Savings	-	2.15%
Min Balance $25,000 Details Balance: $25,000.00 to $49,999.99; A Signature Checking Account is required Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Signature Savings	-	2.15%
Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99; A Signature Checking Account is required Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Freedom Savings	-	0.10%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
IRA Savings Account	-	0.10%
Min Deposit $10 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Fairwinds Credit Union Checking Rates

Product	Rate	APY
Signature Checking	-	0.20%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000.00+; Minimum to open: $25 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Signature Checking	-	0.15%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Minimum to open: $25 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Signature Checking	-	0.10%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Minimum to open: $25 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Signature Checking	-	0.05%
Min Deposit $25 Min Balance $0 Details Balance: $9,999.99 or below; Minimum to open: $25 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Fairwinds Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Jumbo Mortgage	5.50%	0.745	5.641%	180 months
Details Jumbo Rate; $832,750 loan example; 80% LTV; 780 credit score; 45-day rate lock; 0.50 percentage point promotional discount requires FAIRWINDS checking with $500+ recurring direct deposit or automatic mortgage payments Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 5.64% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
15 Year Fixed Mortgage	5.50%	0.745	5.718%	180 months
Details Fixed Rate; $250,000 loan example; 80% LTV; 780 credit score; 45-day rate lock; 0.50 percentage point promotional discount requires FAIRWINDS checking with $500+ recurring direct deposit or automatic mortgage payments Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 5.72% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
20 Year Jumbo Mortgage	6.00%	0.533	6.087%	240 months
Details Jumbo Rate; $832,750 loan example; 80% LTV; 780 credit score; 45-day rate lock; 0.50 percentage point promotional discount requires FAIRWINDS checking with $500+ recurring direct deposit or automatic mortgage payments Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
20 Year Fixed Mortgage	6.00%	0.533	6.149%	240 months
Details Fixed Rate; $250,000 loan example; 80% LTV; 780 credit score; 45-day rate lock; 0.50 percentage point promotional discount requires FAIRWINDS checking with $500+ recurring direct deposit or automatic mortgage payments Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.15% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
30 Year Fixed Mortgage	6.50%	0.618	6.56%	360 months
Details Fixed Rate; $250,000 loan example; 80% LTV; 780 credit score; 45-day rate lock; 0.50 percentage point promotional discount requires FAIRWINDS checking with $500+ recurring direct deposit or automatic mortgage payments Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.56% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
30 Year Jumbo Mortgage	6.50%	0.618	6.576%	360 months
Details Jumbo Rate; $832,750 loan example; 80% LTV; 780 credit score; 45-day rate lock; 0.50 percentage point promotional discount requires FAIRWINDS checking with $500+ recurring direct deposit or automatic mortgage payments Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.58% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
5/5 Arm	6.625%	0.971	6.752%	30 years
Details Arm Rate; 60 payments at fixed rate then variable rate; $500,000 loan example; 80% LTV; 780 credit score; 45-day rate lock Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
10/6 Arm	6.75%	0.853	6.825%	30 years
Details Arm Rate; 120 payments at fixed rate then variable rate; $500,000 loan example; 80% LTV; 780 credit score; 45-day rate lock Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.83% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Fairwinds Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - 5-Year Loan	5.79%	-	6.02%	60 months
Details As Low As; 60 months at 5.790% (6.015% APR) for a $60,000 loan; 2nd lien position, primary residence, credit score 750, LTV 70% or less; Last updated 09/14/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.10% → 6.02% ▲ 0.92 pts · high 6.02% / low 5.10% Sep 18, 20266.02%▲ from 5.10% Sep 14, 20265.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity Loan - 10-Year Loan	6.05%	-	6.07%	120 months
Details As Low As; 120 months at 6.050% (6.074% APR) for a $60,000 loan; 2nd lien position, primary residence, credit score 750, LTV 70% or less; Last updated 09/14/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.31% → 6.07% ▼ 0.24 pts · high 6.31% / low 6.07% Sep 18, 20266.07%▼ from 6.31% Sep 14, 20266.31%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity Loan - 15-Year Loan	6.55%	-	6.57%	180 months
Details As Low As; 180 months at 6.550% (6.567% APR) for a $60,000 loan; 2nd lien position, primary residence, credit score 750, LTV 70% or less; Last updated 09/14/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.54% → 6.57% ▲ 0.03 pts · high 6.57% / low 6.54% Sep 18, 20266.57%▲ from 6.54% Sep 14, 20266.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
HELOC Variable	-	-	6.80%
Details As Low As; Variable rate; 2nd lien position, primary residence, credit score 750, loan-to-value 70% or less; variable APR minimum 3.250%, maximum 18.000%; Last updated 09/14/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.80% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity Loan - 20-Year Loan	7.05%	-	7.06%	240 months
Details As Low As; 240 months at 7.050% (7.064% APR) for a $60,000 loan; 2nd lien position, primary residence, credit score 750, LTV 70% or less; Last updated 09/14/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.29% → 7.06% ▼ 0.23 pts · high 7.29% / low 7.06% Sep 18, 20267.06%▼ from 7.29% Sep 14, 20267.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Fairwinds Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Car Auto Loan - 36 Months	-	-	4.49%	36 Months
Details New Car (With Auto Pay Discount); Rate includes .10% discount for automatic payment from a FAIRWINDS checking account; Last updated 10/01/2026 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 4.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Car - 36 Months Loan	-	-	4.59%	36 Months
Details Last updated 10/01/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.39% → 4.59% ▲ 0.20 pts · high 4.59% / low 4.39% Oct 19, 20264.59%▲ from 4.39% Sep 14, 20264.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Car - 48 Months Loan	-	-	4.84%	48 Months
Details Last updated 10/01/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.69% → 4.84% ▲ 0.15 pts · high 4.84% / low 4.69% Oct 19, 20264.84%▲ from 4.69% Sep 14, 20264.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Car Loan - 36 Months	-	-	4.99%	36 Months
Details Last updated 10/01/2026; 36 months at 4.990% (4.990% APR) for a $30,000 loan Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.89% → 4.99% ▲ 0.10 pts · high 4.99% / low 4.89% Oct 14, 20264.99%▲ from 4.89% Sep 14, 20264.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Car Loan - 48 Months	-	-	5.19%	48 Months
Details Last updated 10/01/2026; 48 months at 5.190% (5.190% APR) for a $30,000 loan Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.09% → 5.19% ▲ 0.10 pts · high 5.19% / low 5.09% Oct 14, 20265.19%▲ from 5.09% Sep 14, 20265.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Car - 60 Months Loan	-	-	5.20%	60 Months
Details Last updated 10/01/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.10% → 5.20% ▲ 0.10 pts · high 5.20% / low 5.10% Oct 19, 20265.20%▲ from 5.10% Sep 14, 20265.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Car - 72 Months Loan	-	-	5.40%	72 Months
Details Last updated 08/01/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.40% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Car Loan - 60 Months	-	-	5.55%	60 Months
Details Last updated 10/01/2026; 60 months at 5.550% (5.550% APR) for a $30,000 loan Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.45% → 5.55% ▲ 0.10 pts · high 5.55% / low 5.45% Oct 14, 20265.55%▲ from 5.45% Sep 14, 20265.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Car Loan - 72 Months	-	-	5.85%	72 Months
Details Last updated 10/01/2026; 72 months at 5.850% (5.850% APR) for a $30,000 loan Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 5.85% ▲ 0.10 pts · high 5.85% / low 5.75% Oct 14, 20265.85%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Fairwinds Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle, Boat, and RV (New) Loan	-	7.35%	72 months
Details Other Vehicles; Last updated 08/01/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.35% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Motorcycle, Boat, and RV (Used) Loan	-	7.80%	72 months
Details Other Vehicles; Last updated 08/01/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.80% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Fairwinds Credit Union Credit Card Rates

Product	Rate	APR
Cash Back Visa Credit Card	-	13.74%
Details As Low As; Last updated 02/01/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 13.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Visa Signature Credit Card	-	18.00%
Details As Low As; Annual fee $95; Last updated 11/03/2025 Last Updated 10/30/2026 Rate History 4 changes since Sep 14, 2026 · 18.00% → 18.00% ▼ 0.00 pts · high 19.99% / low 18.00% Oct 10, 202618.00%▼ from 19.99% Oct 1, 202619.99%▲ from 18.00% Sep 27, 202618.00%▼ from 19.99% Sep 18, 202619.99%▲ from 18.00% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Fairwinds Credit Union Personal Loan Rates

Product	APR	Term	View More
Visa Signature Credit Card	18.00%
Details As Low As; Annual fee $95; Last updated 11/03/2025 Last Updated 10/30/2026 Rate History 4 changes since Sep 14, 2026 · 18.00% → 18.00% ▼ 0.00 pts · high 19.99% / low 18.00% Oct 10, 202618.00%▼ from 19.99% Oct 1, 202619.99%▲ from 18.00% Sep 27, 202618.00%▼ from 19.99% Sep 18, 202619.99%▲ from 18.00% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Fairwinds Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Home Improvement Loans - 3-Year Loan	7.25%	-	8.50%	36 months
Details Last updated 04/28/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Improvement Loans - 4-Year Loan	7.75%	-	8.80%	48 months
Details Last updated 04/28/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.80% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Improvement Loans - 5-Year Loan	9.50%	-	9.75%	60 months
Details Last updated 04/28/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Fairwinds Credit Union’s Texas Ratio rose from 1.02% in Q3 2023 to 2.64% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$5.3B	2.64%	5.0	A+
March 31, 2026	$5.3B	1.61%	5.0	A+
December 31, 2025	$5.1B	1.72%	5.0	A+
September 30, 2025	$5.1B	1.43%	5.0	A+
June 30, 2025	$5.1B	1.71%	5.0	A+
March 31, 2025	$5.0B	1.34%	5.0	A+
December 31, 2024	$4.7B	2.20%	5.0	A+
September 30, 2024	$4.8B	1.98%	5.0	A+
June 30, 2024	$4.7B	1.92%	5.0	A+
March 31, 2024	$4.7B	0.98%	5.0	A+
December 31, 2023	$4.4B	1.23%	5.0	A+
September 30, 2023	$4.4B	1.02%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Fairwinds Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Fairwinds Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Fairwinds Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Fairwinds Credit Union

Website https://www.fairwinds.org

Address 135 W Central Blvd, Orlando, FL 32801

Phone 407-277-6030

Fax 407-658-6149

President Elizabeth Krahmer

CEO Larry Tobin

Full-Time Employees 601

Part-Time Employees 9

Branch Locations 31

ATM Locations 38

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.64%

Return on Assets (ROA)

0.3825%

Return on Equity (ROE)

3.5218%

Non-Performing Loans Ratio (NPL)

0.46%

Total Assets

5,341,628,882

Total Amount of Shares and Deposits

4,801,250,510

Total Shares and Deposits < 1 Year

4,791,329,795

Total Shares and Deposits 1 3 Years

5,003,418

Total Shares and Deposits > 3 Years

4,917,297

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

433,202,724

Total Uninsured Shares and Deposits > $250K (F+J)

433,944,812

Total Insured Shares and Deposits > $250K (item 17 less item K)

4,367,305,698

Total Interest Expense (Sum of items 6 8)

43,343,535

Share Certificates

25,588

Number of Accounts for Share Drafts

221,141

IRA KEOGH Accounts

7,306

Number of Accounts for Regular Shares

421,991

All other shares

7,282

Non Member Deposits

728

Net Income (unless the amount is already included in Undivided Earnings)

20,432,170

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

433,634,188

Total Liabilities

4,858,742,015

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Fairwinds Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Fairwinds Credit Union

Does Fairwinds Credit Union offer CDs?

Yes. Fairwinds Credit Union current CD rates include its 60-Month CD at 3.70% APY, its 48-Month CD at 3.67% APY and its 6-Month CD at 3.65% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Fairwinds Credit Union NCUA insured?

Yes. Fairwinds Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Fairwinds Credit Union?

The highest Fairwinds Credit Union CD rate is its 60-Month CD at 3.70% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Fairwinds Credit Union offer?

Fairwinds Credit Union CD rates are 3.65% APY for a 6 month CD, 3.39% APY for a 12 month CD, 3.58% APY for a 2 year CD, 3.64% APY for a 3 year CD, 3.67% APY for a 4 year CD and 3.70% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Fairwinds Credit Union for its full lineup.

What is the highest savings rate at Fairwinds Credit Union?

The highest Fairwinds Credit Union savings rate is its Emergency Savings at 5.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Fairwinds Credit Union?

The highest Fairwinds Credit Union checking rate is its Signature Checking at 0.20% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest 30 year fixed mortgage rate at Fairwinds Credit Union?

The lowest Fairwinds Credit Union 30 year fixed mortgage rate is its 30 Year Fixed Mortgage at 6.50%, verified by MonitorBankRates as of October 30, 2026. Fairwinds Credit Union mortgage rates are 6.50% for a 30 year mortgage, 6.00% for a 20 year mortgage, 5.50% for a 15 year mortgage, 6.625% for a 5/5 ARM and 6.75% for a 10/6 ARM.

What is the lowest auto loan rate at Fairwinds Credit Union?

The lowest Fairwinds Credit Union auto loan rate is its New Car Auto Loan - 36 Months at 4.49% APR, verified by MonitorBankRates as of October 30, 2026. Fairwinds Credit Union auto loan rates are 4.49% APR for a 36 month auto loan, 4.84% APR for a 48 month auto loan, 5.20% APR for a 60 month auto loan and 5.40% APR for a 72 month auto loan.

What is the lowest personal loan rate at Fairwinds Credit Union?

The lowest Fairwinds Credit Union personal loan rate is its Visa Signature Credit Card at 18.00% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at Fairwinds Credit Union?

The lowest Fairwinds Credit Union credit card APR is its Cash Back Visa Credit Card at 13.74% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Fairwinds Credit Union operate?

Fairwinds Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Fairwinds Credit Union?

Yes, to access services at Fairwinds Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Fairwinds Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Fairwinds Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Fairwinds Credit Union offer online and mobile banking?

Most modern institutions like Fairwinds Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fairwinds.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Fairwinds Credit Union rates compare?

Fairwinds Credit Union's CD rates are 15% higher than the MonitorBankRates national average, and it has an A+ health rating. Fairwinds Credit Union's top rates are its 60-Month CD at 3.70% APY, its Emergency Savings at 5.00% APY, its Signature Checking at 0.20% APY, its 15 Year Jumbo Mortgage at 5.50%, its Visa Signature Credit Card at 18.00% APR and its Cash Back Visa Credit Card at 13.74% APR, verified by MonitorBankRates on October 30, 2026.

Current Fairwinds Credit Union Rates

12-Month CD3.39%
24-Month CD3.58%
60-Month CD3.70%
Savings5.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Fairwinds Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Fairwinds Credit Union Texas Ratio

Fairwinds Credit Union Health Trend

Fairwinds Credit Union CD Rates

Fairwinds Credit Union Savings Rates

Fairwinds Credit Union Checking Rates

Fairwinds Credit Union Mortgage Rates

Fairwinds Credit Union Home Equity & HELOC

Fairwinds Credit Union Auto Loan Rates

Fairwinds Credit Union RV, Boat and Powersport Loan Rates

Fairwinds Credit Union Credit Card Rates

Fairwinds Credit Union Personal Loan Rates

Fairwinds Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Fairwinds Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Fairwinds Credit Union

Does Fairwinds Credit Union offer CDs?

Are CDs from Fairwinds Credit Union NCUA insured?

What is the highest CD rate at Fairwinds Credit Union?

What CD terms does Fairwinds Credit Union offer?

What is the highest savings rate at Fairwinds Credit Union?

What is the highest checking rate at Fairwinds Credit Union?

What is the lowest 30 year fixed mortgage rate at Fairwinds Credit Union?

What is the lowest auto loan rate at Fairwinds Credit Union?

What is the lowest personal loan rate at Fairwinds Credit Union?

What is the lowest credit card APR at Fairwinds Credit Union?

How many branches does Fairwinds Credit Union operate?

Is a member application needed to join Fairwinds Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Fairwinds Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Fairwinds Credit Union rates compare?

Current Fairwinds Credit Union Rates

Compare to Other Credit Unions