Certificate Of Deposit Rates

Rates

Rates are effective as of today, subject to change without notice and may vary by region. Please call 800-226-5228 or visit a BB&T branch to confirm rates for your area. A penalty may be imposed for early withdrawal from certificates of deposit. Compare our Money Market CD rate with guaranteed yield from PenFed Credit Union. Open a 5 year or 1 year Certificate of Deposit terms and earn high returns from 6 month to 7 year CDs. Protection by FDIC.

Whether you’re starting your nest egg or saving for Junior’s tuition, a Certificate of Deposit from FAIRWINDS lets you relax and watch your savings pile up.

The Features

Deposits are insured up to $250,000 by the NCUA making them safe and secure.

We also offer Add-On CDs

Want your CD savings to grow with you? Choose a 6 or 12-month Add-On CD. They can be opened with as little as $100, and allow you to make unlimited deposits to the CD throughout the term length — providing you with greater flexibility in reaching your savings goals while earning a higher interest rate.

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Today's Rates

CD RatesAPY*
3-month CD0.10%
6-month CD0.20%
12-month CD0.30%
24-month CD0.50%
36-month CD0.60%
48-month CD0.70%
60-month CD0.80%
Add-On CD RatesAPY*
6-month Add-On CD0.20%
12-month Add-On CD0.30%
Looking to boost your savings even more?
Enjoy a .25% APY* bump on your next Standard CD when you have the FAIRWINDS Visa Signature® card.
Learn more about our Visa Signature.
*APY = Annual Percentage Yield.

The Details

Minimum to Open

  • $100 for Add-On CDs
  • $1,000 for all other terms

Monthly Service Fee — $0

Highest cd rates todayCertificate

Withdrawal Limitations — Closing your CD or withdrawing funds prior to the maturity date will result in a loss of earnings and/or penalties

  • Terms of 3 months or less - 1 month's interest
  • Terms of 4 months to 11 months - 3 months' interest
  • Terms of 12 months to 24 months - 6 months' interest
  • Terms of 25 months or longer - 9 months' interest

See Service Charge Schedule for additional fees that apply to all FAIRWINDS accounts.

Fees can reduce earnings on the account. Federally insured by NCUA.

FAIRWINDS Member Reviews

Deposit
Rated 5 out of 5 by Caz from LuckyI am glad that I opened a CD with Fairwinds. I want to discipline myself saving extra funds. Interest rate is good. Staff is very helpful.

Certificate Of Deposit Rates Credit Unions

Rated 5 out of 5 by Phyllis from Great ServiceEveryone makes you feel welcome and Is happy to help you.

Certificate Of Deposit Rates Chase

Rated 5 out of 5 by DJR from Easy to openI was able to open this CD at the Drive Thru. Due to the Covid restrictions the branch was limited to drive up. The FAIRWINDS employee was great and the transaction was quick and complete. It was added to my online app immediately.
Rated 4 out of 5 by Glokoko from Fair serviceI have been a member for about 30 years (back when it was MaCoy FCU). I have never had so much trouble opening and account.

Certificate Of Deposit Rates Highest

Rated 5 out of 5 by zee from great valueI have been a member for a while but finally see a product I can use
Rated 5 out of 5 by Riccardo1 from Fine job of customer service!My husband already had an account at Fairwinds and learned of a favorable CD rate, So we decided to make a major shift on our investments to Tradewinds. The associate was was knowledgeable, attentive, and polite.

High Yield Cd

Rated 5 out of 5 by Ron on the edge from Great and pleasantI became a member over 30 years and still loving it thank you all

Interest Rates Cd

Rated 5 out of 5 by juls85 from cdI love that we have this bank next to us. Nice people