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 Fairwinds Credit Union Rates & Review September 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.
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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 and Verified: September 22, 2026
Fairwinds Credit Union's 6-Month CD rates are at 3.65%, 60-Month CD rates are at 3.51%, 48-Month CD rates are at 3.47%, 36-Month CD rates are at 3.43%, 24-Month CD rates are at 3.39%. Fairwinds Credit Union's savings rates are at 0.10%. Fairwinds Credit Union's Personal Loan Rates are as low as 19.99%. Fairwinds Credit Union's Credit Card Rates are at 13.74%. 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 1.61%. Rates last updated and verified on 09/22/2026. 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 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 HistoryFairwinds Credit Union’s Texas Ratio rose from 0.94% in Q2 2023 to 1.61% in Q1 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
598
Part-Time Employees
12
Branch Locations
32
ATM Locations
39
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
1.61%
Return on Assets (ROA)
0.2361%
Return on Equity (ROE)
2.1815%
Non-Performing Loans Ratio (NPL)
0.28%
Total Assets
5,286,816,299
Total Amount of Shares and Deposits
4,753,470,443
Total Shares and Deposits < 1 Year
4,744,040,726
Total Shares and Deposits 1 3 Years
6,210,512
Total Shares and Deposits > 3 Years
3,219,205
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
446,404,510
Total Uninsured Shares and Deposits > $250K (F+J)
447,291,007
Total Insured Shares and Deposits > $250K (item 17 less item K)
4,306,179,436
Total Interest Expense (Sum of items 6 8)
20,820,386
Share Certificates
27,327
Number of Accounts for Share Drafts
215,330
IRA KEOGH Accounts
7,341
Number of Accounts for Regular Shares
408,078
All other shares
7,109
Non Member Deposits
760
Net Income (unless the amount is already included in Undivided Earnings)
12,483,068
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)
390,554,287
Total Liabilities
4,811,568,768
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Fairwinds Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Fairwinds Credit Union
Frequently Asked Questions About Fairwinds Credit UnionHow 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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