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Fairwinds Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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: October 10, 2026
Fairwinds Credit Union's top rates as of October 10, 2026 are 3.70% APY on its 60 Month IRA CD, 5.00% APY on savings, 0.20% APY on checking, 5.75% on its 15 Year Jumbo Mortgage, personal loans from 18.00% APR, and credit cards from 13.74% APR, according to rates verified by MonitorBankRates. Other Fairwinds Credit Union CD rates include 60-Month CD at 3.70%, 48 Month IRA CD at 3.67%, and 48-Month CD at 3.67%. Other Fairwinds Credit Union mortgage rates include 15 Year Fixed Mortgage at 5.75%, 20 Year Jumbo Mortgage at 6.38%, and 20 Year Fixed Mortgage at 6.38%. 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 10/10/2026.
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 has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Fairwinds Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
2.64%
ExcellentLower than avg
Fairwinds Credit Union Texas Ratio
Fairwinds Credit Union's Texas Ratio is 2.64%, which is considered excellent and is lower than the national average of 6.13%.
Fairwinds Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.02% to 2.64% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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
View More
60 Month IRA CD
-
3.70%
60-month
No additional details.
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 3.51% → 3.70% ▲ 0.19 pts · high 3.70% / low 3.51%
Oct 10, 20263.70%▲ from 3.51%
Sep 18, 20263.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
60-Month CD
-
3.70%
60-Month
DetailsLast updated 10/09/2026
Last Updated10/10/2026
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%
48 Month IRA CD
-
3.67%
48-month
No additional details.
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 3.47% → 3.67% ▲ 0.20 pts · high 3.67% / low 3.47%
Oct 10, 20263.67%▲ from 3.47%
Sep 18, 20263.47%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
48-Month CD
-
3.67%
48-Month
DetailsLast updated 10/09/2026
Last Updated10/10/2026
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%
6 Month IRA CD
-
3.65%
6-month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
6-Month CD
-
3.65%
6-Month
DetailsLast updated 10/09/2026
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
36 Month IRA CD
-
3.64%
36-month
No additional details.
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 3.43% → 3.64% ▲ 0.21 pts · high 3.64% / low 3.43%
Oct 10, 20263.64%▲ from 3.43%
Sep 18, 20263.43%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
36-Month CD
-
3.64%
36-Month
DetailsLast updated 10/09/2026
Last Updated10/10/2026
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%
24 Month IRA CD
-
3.58%
24-month
No additional details.
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 3.39% → 3.58% ▲ 0.19 pts · high 3.58% / low 3.39%
Oct 10, 20263.58%▲ from 3.39%
Sep 18, 20263.39%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
24-Month CD
-
3.58%
24-Month
DetailsLast updated 10/09/2026
Last Updated10/10/2026
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%
12 Month IRA CD
-
3.39%
12-month
No additional details.
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 3.24% → 3.39% ▲ 0.15 pts · high 3.39% / low 3.24%
Oct 10, 20263.39%▲ from 3.24%
Sep 18, 20263.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
12-Month CD
-
3.39%
12-Month
DetailsLast updated 10/09/2026
Last Updated10/10/2026
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%
3 Month IRA CD
-
1.16%
3-month
No additional details.
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 1.14% → 1.16% ▲ 0.02 pts · high 1.16% / low 1.14%
Oct 10, 20261.16%▲ from 1.14%
Sep 18, 20261.14%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
3-Month CD
-
1.16%
3-Month
DetailsLast updated 10/09/2026
Last Updated10/10/2026
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%
Fairwinds Credit Union Savings Rates
Product
Rate
APY
View More
Emergency Savings
-
5.00%
Min Balance$0
DetailsBalance: Balances up to $1,000.00; Premium rate of APY is applied to the first $1,000 in the Emergency Savings account. Balances above $1,000 earn .
Last Updated10/10/2026
Rate History
No change since Oct 1, 2026 · 5.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
Emergency Savings
-
5.00%
Min Balance$1,000
DetailsBalances up to $1,000.00; Premium rate of APY is applied to the first $1,000 in the Emergency Savings account. Balances above $1,000 earn .
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
My First Home Savings
-
3.39%
DetailsThis rate is variable and may change without notice. Fees may reduce earnings. APY shown is effective as of .
Last Updated10/10/2026
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
DetailsBalance: $24,999.99 or below
Last Updated10/10/2026
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
DetailsBalance: $25,000.00 to $49,999.99
Last Updated10/10/2026
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
DetailsBalance: $50,000.00 to $99,999.99
Last Updated10/10/2026
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
DetailsBalance: $100,000.00 to $249,999.99
Last Updated10/10/2026
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
DetailsBalance: $250,000.00 to $499,999.99
Last Updated10/10/2026
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
DetailsBalance: $500,000.00 or greater
Last Updated10/10/2026
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$25,000
Details$24,999.99 or below
Last Updated10/10/2026
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%
Min Balance$0
DetailsAutomatically bundled with a Spend Smart Checking Account; Premium rate of applied to the first $100,000 in the Save Smart Savings account. Balances above $100,000 earn .
Last Updated10/10/2026
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%
Save Smart Savings
-
3.10%
Min Balance$100,000
DetailsAutomatically bundled with a Spend Smart Checking Account; Balances up to $100,000.00; Premium rate of applied to the first $100,000 in the Save Smart Savings account. Balances above $100,000 earn .
Last Updated10/10/2026
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
-
3.10%
Min Balance$250,000
DetailsBalance: $250,000.00 to $499,999.99
Last Updated10/10/2026
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
DetailsBalance: $500,000.00 or greater
Last Updated10/10/2026
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
DetailsBalance: $100,000.00 to $249,999.99
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
Signature Savings
-
2.15%
Min Balance$0
DetailsA Signature Checking Account is required. Balance: $24,999.99 or below
Last Updated10/10/2026
Rate History
No change since Oct 1, 2026 · 2.15% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
Signature Savings
-
2.15%
Min Balance$25,000
DetailsBalance: $25,000.00 to $49,999.99
Last Updated10/10/2026
Rate History
No change since Sep 18, 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$50,000
DetailsBalance: $50,000.00 to $99,999.99
Last Updated10/10/2026
Rate History
No change since Sep 18, 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
DetailsSignature Checking Account is required; $24,999.99 or below
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 2.15% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
Freedom Savings
-
0.10%
DetailsN/A
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
IRA Savings Account
-
0.10%
DetailsN/A
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
Fairwinds Credit Union Checking Rates
Product
Rate
APY
View More
Signature Checking
-
0.20%
Min Balance$50,000
DetailsBalance: $50,000.00+; Last updated 10/09/2026
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
Signature Checking
-
0.15%
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99; Last updated 10/09/2026
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
Signature Checking
-
0.10%
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99; Last updated 10/09/2026
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
Signature Checking
-
0.05%
Min Balance$10,000
DetailsBalance: $9,999.99 or below; Last updated 10/09/2026
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
Fairwinds Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
15 Year Jumbo Mortgage
5.75%
0.783
5.898%
180 months
DetailsFor a $832,750.00 loan would result in a monthly payment of $6,915.24. Last updated 10/09/2026. The rates displayed already reflect a 0.50 percentage point promotional discount for eligible 10-, 15-, 20-, and 30-year fixed-rate mortgage loans. Available for purchase and refinance loans on owner-occupied primary residences. Excludes construction-to-permanent loans, vacation homes, investment properties, multifamily properties, and condominiums. To qualify for and retain the discounted rate, members must establish a FAIRWINDS checking account with either a recurring direct deposit of at least $500 or automatic mortgage payments. Failure to establish these requirements may result in the loss of the promotional discount and an adjustment to the interest rate. Offer may be modified or discontinued at any time without notice.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 5.90% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
15 Year Fixed Mortgage
5.75%
0.783
5.975%
180 months
DetailsFor a $250,000.00 loan would result in a monthly payment of $2,076.03. Last updated 10/09/2026. The rates displayed already reflect a 0.50 percentage point promotional discount for eligible 10-, 15-, 20-, and 30-year fixed-rate mortgage loans. Available for purchase and refinance loans on owner-occupied primary residences. Excludes construction-to-permanent loans, vacation homes, investment properties, multifamily properties, and condominiums. To qualify for and retain the discounted rate, members must establish a FAIRWINDS checking account with either a recurring direct deposit of at least $500 or automatic mortgage payments. Failure to establish these requirements may result in the loss of the promotional discount and an adjustment to the interest rate. Offer may be modified or discontinued at any time without notice.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 5.98% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
20 Year Jumbo Mortgage
6.375%
0.661
6.48%
240 months
DetailsFor a $832,750.00 loan would result in a monthly payment of $6,147.63. Last updated 10/09/2026. The rates displayed already reflect a 0.50 percentage point promotional discount for eligible 10-, 15-, 20-, and 30-year fixed-rate mortgage loans. Available for purchase and refinance loans on owner-occupied primary residences. Excludes construction-to-permanent loans, vacation homes, investment properties, multifamily properties, and condominiums. To qualify for and retain the discounted rate, members must establish a FAIRWINDS checking account with either a recurring direct deposit of at least $500 or automatic mortgage payments. Failure to establish these requirements may result in the loss of the promotional discount and an adjustment to the interest rate. Offer may be modified or discontinued at any time without notice.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 6.48% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
20 Year Fixed Mortgage
6.375%
0.661
6.542%
240 months
DetailsFor a $250,000.00 loan would result in a monthly payment of $1,845.58. Last updated 10/09/2026. The rates displayed already reflect a 0.50 percentage point promotional discount for eligible 10-, 15-, 20-, and 30-year fixed-rate mortgage loans. Available for purchase and refinance loans on owner-occupied primary residences. Excludes construction-to-permanent loans, vacation homes, investment properties, multifamily properties, and condominiums. To qualify for and retain the discounted rate, members must establish a FAIRWINDS checking account with either a recurring direct deposit of at least $500 or automatic mortgage payments. Failure to establish these requirements may result in the loss of the promotional discount and an adjustment to the interest rate. Offer may be modified or discontinued at any time without notice.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 6.54% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
30 Year Jumbo Mortgage
6.75%
0.591
6.824%
360 months
DetailsFor a $832,750.00 loan would result in a monthly payment of $5,401.20. Last updated 10/09/2026. The rates displayed already reflect a 0.50 percentage point promotional discount for eligible 10-, 15-, 20-, and 30-year fixed-rate mortgage loans. Available for purchase and refinance loans on owner-occupied primary residences. Excludes construction-to-permanent loans, vacation homes, investment properties, multifamily properties, and condominiums. To qualify for and retain the discounted rate, members must establish a FAIRWINDS checking account with either a recurring direct deposit of at least $500 or automatic mortgage payments. Failure to establish these requirements may result in the loss of the promotional discount and an adjustment to the interest rate. Offer may be modified or discontinued at any time without notice.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 6.82% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
30 Year Fixed Mortgage
6.75%
0.591
6.873%
360 months
DetailsFor a $250,000.00 loan would result in a monthly payment of $1,621.50. Last updated 10/09/2026. The rates displayed already reflect a 0.50 percentage point promotional discount for eligible 10-, 15-, 20-, and 30-year fixed-rate mortgage loans. Available for purchase and refinance loans on owner-occupied primary residences. Excludes construction-to-permanent loans, vacation homes, investment properties, multifamily properties, and condominiums. To qualify for and retain the discounted rate, members must establish a FAIRWINDS checking account with either a recurring direct deposit of at least $500 or automatic mortgage payments. Failure to establish these requirements may result in the loss of the promotional discount and an adjustment to the interest rate. Offer may be modified or discontinued at any time without notice.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 6.87% 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
View More
Home Equity 5-Year Loan
-
-
6.02%
60 months
DetailsAs low as; 5-Year Loan; 60 months at 5.790% (6.015% APR) for a $60,000 loan would result in a monthly payment of $1,160.39.; Last updated 09/14/2026
Last Updated10/10/2026
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 10-Year Loan
-
-
6.07%
120 months
DetailsAs low as; 10-Year Loan; 120 months at 6.050% (6.074% APR) for a $60,000 loan would result in a monthly payment of $668.35.; Last updated 09/14/2026
Last Updated10/10/2026
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 15-Year Loan
-
-
6.57%
180 months
DetailsAs low as; 15-Year Loan; 180 months at 6.550% (6.567% APR) for a $60,000 loan would result in a monthly payment of $524.88.; Last updated 09/14/2026
Last Updated10/10/2026
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
-
-
6.80%
DetailsAs low as; Variable
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.55% → 6.80% ▲ 0.25 pts · high 6.80% / low 6.55%
Sep 18, 20266.80%▲ from 6.55%
Sep 14, 20266.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
Home Equity 20-Year Loan
-
-
7.06%
240 months
DetailsAs low as; 20-Year Loan; 240 months at 7.050% (7.064% APR) for a $60,000 loan would result in a monthly payment of $467.49.; Last updated 09/14/2026
Last Updated10/10/2026
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
View More
New Car Loan
-
-
4.49%
36 months
DetailsWith Auto Pay Discount. Last updated 10/01/2026
Last Updated10/10/2026
Rate History
1 change since Sep 27, 2026 · 4.39% → 4.49% ▲ 0.10 pts · high 4.49% / low 4.39%
Oct 10, 20264.49%▲ from 4.39%
Sep 27, 20264.39%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
New Car Loan
4.59%
-
4.59%
36 months
Details36 months at 4.590% (4.590% APR) for a $30,000 loan would result in a monthly payment of $893.61. Last updated 10/01/2026
Last Updated10/10/2026
Rate History
1 change since Sep 27, 2026 · 4.39% → 4.59% ▲ 0.20 pts · high 4.59% / low 4.39%
Oct 10, 20264.59%▲ from 4.39%
Sep 27, 20264.39%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
New Car Loan
-
-
4.74%
48 months
DetailsWith Auto Pay Discount. Last updated 10/01/2026
Last Updated10/10/2026
Rate History
1 change since Sep 27, 2026 · 4.69% → 4.74% ▲ 0.05 pts · high 4.74% / low 4.69%
Oct 10, 20264.74%▲ from 4.69%
Sep 27, 20264.69%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
New Car Loan
4.84%
-
4.84%
48 months
Details48 months at 4.840% (4.840% APR) for a $30,000 loan would result in a monthly payment of $688.71. Last updated 10/01/2026
Last Updated10/10/2026
Rate History
1 change since Sep 27, 2026 · 4.69% → 4.84% ▲ 0.15 pts · high 4.84% / low 4.69%
Oct 10, 20264.84%▲ from 4.69%
Sep 27, 20264.69%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
Used Car Loan
4.99%
-
4.99%
36 months
Details36 months at 4.990% (4.990% APR) for a $30,000 loan would result in a monthly payment of $898.99. Last updated 10/01/2026
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 4.89% → 4.99% ▲ 0.10 pts · high 4.99% / low 4.89%
Oct 10, 20264.99%▲ from 4.89%
Sep 14, 20264.89%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
New Car Loan
-
-
5.10%
60 months
DetailsWith Auto Pay Discount. Last updated 10/01/2026
Last Updated10/10/2026
Rate History
No change since Sep 27, 2026 · 5.10% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
Used Car Loan
5.19%
-
5.19%
48 months
Details48 months at 5.190% (5.190% APR) for a $30,000 loan would result in a monthly payment of $693.46. Last updated 10/01/2026
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.09% → 5.19% ▲ 0.10 pts · high 5.19% / low 5.09%
Oct 10, 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 Loan
5.20%
-
5.20%
60 months
Details60 months at 5.200% (5.200% APR) for a $30,000 loan would result in a monthly payment of $568.89. Last updated 10/01/2026
Last Updated10/10/2026
Rate History
1 change since Sep 27, 2026 · 5.10% → 5.20% ▲ 0.10 pts · high 5.20% / low 5.10%
Oct 10, 20265.20%▲ from 5.10%
Sep 27, 20265.10%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
New Car Loan
-
-
5.30%
72 months
DetailsWith Auto Pay Discount. Last updated 08/01/2026
Last Updated10/10/2026
Rate History
1 change since Sep 27, 2026 · 5.40% → 5.30% ▼ 0.10 pts · high 5.40% / low 5.30%
Oct 10, 20265.30%▼ from 5.40%
Sep 27, 20265.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
New Car Loan
5.40%
-
5.40%
72 months
Details72 months at 5.400% (5.400% APR) for a $30,000 loan would result in a monthly payment of $488.73. Last updated 08/01/2026
Last Updated10/10/2026
Rate History
No change since Sep 27, 2026 · 5.40% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
Used Car Loan
5.55%
-
5.55%
60 months
Details60 months at 5.550% (5.550% APR) for a $30,000 loan would result in a monthly payment of $573.73. Last updated 10/01/2026
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.45% → 5.55% ▲ 0.10 pts · high 5.55% / low 5.45%
Oct 10, 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
5.85%
-
5.85%
72 months
Details72 months at 5.850% (5.850% APR) for a $30,000 loan would result in a monthly payment of $495.07. Last updated 10/01/2026
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.75% → 5.85% ▲ 0.10 pts · high 5.85% / low 5.75%
Oct 10, 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
View More
Motorcycle, Boat, and RV (New) Loan
-
7.35%
72 months
Details7.350% APR for a $30,000 loan would result in a monthly payment of $516.53. Last updated 08/01/2026
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.35% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
Motorcycle, Boat, and RV (Used) Loan
-
7.80%
72 months
Details7.800% APR for a $30,000 loan would result in a monthly payment of $523.07. Last updated 08/01/2026
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.80% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
Fairwinds Credit Union Credit Card Rates
Product
Rate
APR
View More
Cash Back Visa Credit Card
-
13.74%
DetailsIntro rate expires: N/A; Regular APR: N/A.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 13.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
Visa Signature Credit Card
-
18.00%
DetailsIntro rate expires: N/A; Regular APR: N/A. The Visa Signature Credit Card has an annual fee of $95.
Last Updated10/10/2026
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%
DetailsIntro rate expires: N/A; Regular APR: N/A. The Visa Signature Credit Card has an annual fee of $95.
Last Updated10/10/2026
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
View More
Home Improvement Loan
7.25%
-
8.50%
36 months
Details36 months at 8.500% (7.250% APR) for a $10,000 loan would result in a monthly payment of $309.92. Last updated 04/28/2026
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 8.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
Home Improvement Loan
7.75%
-
8.80%
48 months
Details48 months at 8.800% (7.750% APR) for a $10,000 loan would result in a monthly payment of $242.96. Last updated 04/28/2026
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 8.80% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
Home Improvement Loan
9.50%
-
9.75%
60 months
Details60 months at 9.500% (9.750% APR) for a $10,000 loan would result in a monthly payment of $211.24. Last updated 04/28/2026
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 9.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.64%
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.
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
Q2 2026 MBR Health & Safety Badge
Fairwinds Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Fairwinds Credit Union
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
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.
Brian McKay
