Important Member Alert

We will never call and ask for your full debit or credit card number, PIN, online banking credentials, or Zelle account information over the phone. Visit our Fraud Center for more tips.

1. Save $1,000 for an emergency

Having an emergency fund with at least $1,000 is essential to pay for unexpected events in cash instead of using a credit card or taking out a loan.

Create or update your budget

List and track your expenses, then see where you can make changes to start building your $1,000 as quickly as possible.

Create Goals and Budgets Chevron Right Icon

Open a separate Emergency Savings Account.

Emergencies include unexpected medical expenses, car repairs, roof leaks, and more. A separate savings account is an easy way to keep your emergency fund out of sight and out of mind.

Open a FAIRWINDS Emergency Savings Account and earn ... APY* on the first $1,000 you save.

Open an Account Chevron Right Icon

Round up your debit card purchases to help build your savings.

Use an automated debit card round-up program, like Change it Up, to help grow your emergency savings faster.

Available for free with a FAIRWINDS Freedom Spending or Checking Account, each purchase you make with a FAIRWINDS Visa® Debit Card will automatically round up to the nearest dollar.

The difference will deposit directly into your FAIRWINDS Emergency Savings Account.

Learn to Change it Up Chevron Right Icon