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iAdvertiser Disclosure
Advertiser Disclosure
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 Fairwinds Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 26, 2026
Fairwinds Credit Union's 6-Month Add-On CD rates are at 3.75%, 6-Month CD rates are at 3.75%, 60-Month CD rates are at 2.97%, 48-Month CD rates are at 2.90%, 36-Month CD rates are at 2.83%. Fairwinds Credit Union's savings rates are at 0.10%. 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 1.48%. Rates were last updated on 03/26/2026. 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. Fairwinds Credit Union
Downtown Orlando 135 W Central Blvd
https://www.fairwinds.org Orlando, FL 32801 
Fairwinds Credit Union CD Rates
Fairwinds Credit Union Savings Rates
Fairwinds Credit Union Checking Rates
Fairwinds Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates 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
590
Part-Time Employees
14
Branch Locations
32
ATM Locations
44
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.48%
Return on Assets (ROA)
0.8698%
Return on Equity (ROE)
8.0800%
Non-Performing Loans Ratio (NPL)
0.24%
Total Assets
5,099,497,498
Total Amount of Shares and Deposits
4,589,539,398
Total Shares and Deposits < 1 Year
4,565,908,627
Total Shares and Deposits 1 3 Years
21,033,733
Total Shares and Deposits > 3 Years
2,597,039
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
394,113,492
Total Uninsured Shares and Deposits > $250K (F+J)
395,396,814
Total Insured Shares and Deposits > $250K (item 17 less item K)
4,194,142,584
Total Interest Expense (Sum of items 6 8)
62,214,944
Share Certificates
29,637
Number of Accounts for Share Drafts
206,651
IRA KEOGH Accounts
7,603
Number of Accounts for Regular Shares
387,356
All other shares
6,459
Non Member Deposits
839
Net Income (unless the amount is already included in Undivided Earnings)
44,357,949
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
242,456,978
Total Liabilities
4,652,770,392
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Fairwinds Credit UnionIs Fairwinds Credit Union a safe place to deposit money?Yes, Fairwinds Credit Union is considered a safe financial institution. With a Texas Ratio of 1.4848652520032%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current Fairwinds Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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