Spark Some Change with our Preferred Checking Account

Start the year off right with a checking account designed to help you earn more in interest, get paid up to two days early, and make it easy to get your money with access to over 33,000 ATMs.

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New Year, New Financial Goals

Start 2025 on the right foot with a personalized financial plan. Answer a few quick questions to see which Money Milestone you’re on and receive a step-by-step guide to help you achieve financial freedom.

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Get More for Less with Merchant Services

Make running your business easier in 2025 by accepting payments and keeping track of inventory with Clover and Merchant Services. Get up to $1,000 off when choosing one or more Clover devices, now through March 31!*

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Kickstart 2025 with up to $750

Help your friends and family on their journey to Financial Freedom this year by sharing the FAIRWINDS love! Invite them to become a member and receive up to $750. Plus, your friends can receive $175!**

Refer & Earn

The Best Place to Work and Bank

We’re honored to be recognized as one of the Forbes 2024 Best-in-State Credit Unions and Orlando Business Journal’s Best Places to Work.

OBJ BPTW & Forbes Best in State Credit Unions Award

For decades, Dave Ramsey has helped his listeners take control of their finances with his life changing advice on The Ramsey Show. We've combined Ramsey's smart money approach with our 75 years of experience in financial services to help you manage your money — so your money doesn't manage you.

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Who Can Join?

FAIRWINDS serves members throughout the country.

If you value financial freedom, we welcome you to join us, wherever you are.

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Member Stories

See what our members are saying.

“I am seeing steady progress already with $5,000 saved so far!”

Danny

Oakland, CA

“Now I get to drive my dream [car] around every day without having to make monthly payments!”

Catherine

Dunwoody, GA

“I was able to cut 6 years off my home loan and save over $50,000 in payments and interest by refinancing to a 15-year mortgage.”

Carina

Longwood, FL

*Promotional offer valid from January 1, 2025, through March 31, 2025. This offer is available for qualified FAIRWINDS merchant services customers who have not had a merchant services account processed by First Data Merchant Services LLC within the last six months. New accounts are subject to standard credit approval and underwriting requirements. Offer is valid for one rebate for a Clover Flex, Flex Pocket, Mini, Station Solo, Station Duo or Kiosk point-of-sale hardware device purchase or subscription. The $500 and $750 rebates will be initiated approximately 60 days after the account begins processing transactions; the $1,000 rebate will be initiated approximately 90 days after the account begins processing transactions. To be eligible, the merchant must (1) purchase or subscribe to a Clover Flex, Flex Pocket, Mini, Station Solo, Station Duo or Kiosk point-of-sale device; (2) must be credit approved between 1/1/25 and 3/31/25; (3) sign a merchant processing agreement; (4) activate account within 30 days from approval date. Additionally for subscription rebates, the merchant must sign up for a 36- or 48-month subscription term and have a minimum annual processing volume of $100,000. Additional fees apply to certain Clover apps’ software components and services on activated accounts. Eligibility is at the sole discretion of First Data Merchant Services LLC. Only one offer per eligible business tax ID. Offer not valid with any other offer and is subject to change without notice.

**Offer available from December 27, 2024 through March 31, 2025. In order for both the referred individual and the referring FAIRWINDS member to each qualify for and receive the referral reward, the following conditions must be met: The referred individual may not have previously been an owner on or a party to a FAIRWINDS account; the referred individual must open a new FAIRWINDS consumer Preferred or Signature Checking Account with a minimum deposit of $25.00 at new account opening; during the eligible program period, the referred individual must open the new account using the referring FAIRWINDS member's unique referral link; and the referred individual must receive in the new Preferred or Signature Checking Account a cumulative qualifying direct deposit(s) of $1,000.00 or more (excluding the new account deposit used to fund/open the account) within 60 calendar days of opening. A “qualifying direct deposit” is an Automated Clearing House (ACH) deposit of a paycheck, pension, or government benefit (including Social Security) from the government or your employer. Person-to-person transfers (such as Zelle, PayPal or Venmo) and bank transfers between a FAIRWINDS account or an account at other financial institutions or brokerages do not qualify. The referring FAIRWINDS member must be in good standing with the credit union and must be an owner of a FAIRWINDS consumer Spending or Checking account in order to be eligible for a referral reward. FAIRWINDS Credit Union employees are not eligible to receive any referral program rewards.

Rewards that have been fully earned and qualified for will be paid to each party on or about the 15th day of the next month following the deposit of the sufficient qualifying funds into the referred individual's new Preferred or Signature Checking Account. Only one reward will be provided per referred individual. The code used by the referred individual will determine the referring member. A referring FAIRWINDS member can only receive a total of 10 referral rewards. The amount of the reward is the reward amount in effect at the time of the reward payout. All decisions of FAIRWINDS as to the amount and sufficiency of qualifying deposits and reward amounts are final. Referred individuals acknowledge and agree payment of the reward will result in the referring member's knowledge of the referred individual's establishment of a new account with FAIRWINDS and may result in disclosure to the referring member’s knowledge of the deposit activity of the referred individual within the period of 60 days of account opening. By accepting a reward, the referred individual consents to disclosure of account opening and deposit history to the referring member.

The Member Referral Program may be terminated or withdrawn at any time and is subject to change at any time, with or without prior notice. FAIRWINDS reserves the right to increase or decrease the amount of the reward from time to time. FAIRWINDS reserves the right to enroll, suspend, or terminate a member's eligibility to participate in this program at any time, with or without prior notice. Member Referral Program rewards may not be combined with other offers or programs. Referral rewards may be reported as income to the IRS and may be taxable to you. The referred individual and the referring member may be responsible for any tax resulting from receipt of a referral reward. Please consult your tax advisor if you have questions about the tax treatment of the referral reward.