Your financial journey continues here.
Financial Freedom happens here.®
We give you the tools to save more, get out of debt, build wealth, and live generously. We're with you every step of the way, celebrating your victories and helping you stay on track to financial freedom.
More than a member, you're an owner.
When you join us, you’re not just a member; you’re an owner. With a $5 membership share, you unlock all the benefits of being part of FAIRWINDS and take charge of your financial future.
We're a not-for-profit financial institution.
We don’t have stockholders—our focus is on you. All our earnings come back to you through better rates, cutting-edge technology, and financial solutions that truly serve your best interests.
An Account Bundle Designed Exclusively for You
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 his smart money approach with our 75 years of experience in financial freedom to bring you a package of exclusive checking and savings accounts designed to help you manage your money — so your money doesn't manage you.
Your bundle will include:
Spend Smart Checking
Our Spend Smart Checking Account is a no-nonsense account with no monthly service charge, no minimum balance requirement, and no hidden fees. It’s all about helping you see your money clearly, keeping you on budget, and telling your money where to go instead of wondering where it went. Time to get smart about your money!
Get paid up to two days early with Direct Deposit1.
Easily send money to friends, family, and others you trust with Zelle®
Access to over 33,000 ATMs and 5,000 branches nationwide for free.
Incoming domestic wire fee is rebated.
Save Smart Savings
Saving money shouldn’t be complicated! With our Save Smart Savings Account, you’ll get a high-yield interest rate, making it easier for you to reach your goals. This account can help you save as you’re living like no one else, so later you can live and give like no one else!
Round up your debit card purchases to the nearest dollar and we'll automatically transfer the difference to your savings account.
No monthly service charge and no minimum balance requirement.
Your deposits are insured by the NCUA.
Go Bold Debit Card
Have the freedom and control to access your cash whenever and wherever you need it, all while staying on track with your financial goals. With our Go Bold debit card, you'll receive access to over 33,000 ATMs for free and receive up to $10 in monthly refunds whenever accessing out-of-network ATMs. And — for when you need to go cashless — you can make purchases securely by adding your card to your mobile wallet or by using tap-to-pay.
The technology and convenience you expect.
Stay connected to your finances anytime, anywhere with a suite of technology services and features. From sending and receiving money with Zelle®3 to mobile check deposit, debit card management and account alerts — we simplify how you use your money online.
Send Money in Minutes
Zelle® allows you to quickly send money to those you know and trust without sharing account numbers.3
Deposit Checks in a Snap
Deposit your check without waiting in line with our easy to use mobile app. Simply take a picture of the front and back of your check and it will be added to your account.
Stay Aware of Account Activity
Enjoy the peace of mind that comes with knowing exactly what's happening with your account by setting up customizable alerts sent directly to your phone.
A Network of Credit Union Partners
We partner with over 5,000 credit union branch locations throughout the country so you can bank in person wherever you live.
Financial Freedom seekers welcome.
If you value financial freedom, we welcome you to join us, wherever you are.