Credit union · NCUA insured
FAIRWINDS Credit Union
A $5.3B credit union, the 80th largest of 4,329, headquartered in Orlando, FL, with 252,617 members and 31 branches in Florida. Best rates: savings 3.39% APY.
FAIRWINDS Credit Union Carrot Score
83
Carrot Score
Higher than 62% of U.S. banks and credit unions
#13 of 37 in Orlando, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About FAIRWINDS Credit Union
FAIRWINDS Credit Union is a member-owned, not-for-profit credit union.
- Headquarters
- 135 W Central Blvd, Suite 1220, Orlando, FL 32801
- NCUA charter
- 68417
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is open to anyone nationwide.
Cost to join
- A $5 membership share establishes ownership and grants access to accounts, services, and benefits.
Branches
31 branches in Florida
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Florida
31 branches
Orlando area · 25
- Downtown OrlandoMain office135 W Central Blvd, Suite 1220, Orlando, FL 32801Directions
- Altamonte Springs891 E Altamonte Dr, Altamonte Springs, FL 32701Directions
- Apopka1621 S Orange Blossom Trl, Apopka, FL 32703Directions
- Clermont1380 S Grand Hwy, Clermont, FL 34711Directions
- Four Corners742 Cagan View Rd, Clermont, FL 34714Directions
- Kissimmee - St Cloud2975 E Irlo Bronson Memorial Hwy, Kissimmee, FL 34744Directions
- Lake Mary2879 W Lake Mary Blvd, Lake Mary, FL 32746Directions
- Leesburg27414 US Highway 27, Leesburg, FL 34748Directions
- Longwood800 E State Road 434, Longwood, FL 32750Directions
- Mount Dora18415 US Highway 441, Mount Dora, FL 32757Directions
- Avalon Park12800 Tanja King Blvd, Orlando, FL 32828Directions
- Metrowest5875 Arnold Palmer Dr, Orlando, FL 32835Directions
- South Semoran2375 S Semoran Blvd, Orlando, FL 32822Directions
- UCF Campus105 Aquaris Agora Dr, Orlando, FL 32816Directions
- Universal Studios5900 Universal Blvd Bldg B6, Orlando, FL 32819Directions
- Vista Lakes7037 Narcoossee Rd, Orlando, FL 32822Directions
- Waterford Lakes881 N Alafaya Trl, Orlando, FL 32828Directions
- Oviedo - Mitchell Hammock1425 E Mitchell Hammock Rd, Oviedo, FL 32765Directions
- Oviedo - Red Bug8305 Red Bug Lake Rd, Oviedo, FL 32765Directions
- Sanford - Downtown420 W 1st St, Sanford, FL 32771Directions
- Sanford - Lake Forest5020 W State Road 46, Sanford, FL 32771Directions
- Winter Garden13580 W Colonial Dr, Winter Garden, FL 34787Directions
- Full Sail401 S Semoran Blvd, Winter Park, FL 32792Directions
- Winter Park699 N Orlando Ave, Winter Park, FL 32789Directions
- Tuskawilla1475 Tuskawilla Rd, Winter Springs, FL 32708Directions
Deltona area · 6
- Deland302 E New York Ave, DeLand, FL 32724Directions
- Deltona111 Howland Blvd, Deltona, FL 32738Directions
- Edgewater1504 S Ridgewood Ave, Edgewater, FL 32132Directions
- New Smyrna Beach2222 Florida 44, New Smyrna Beach, FL 32168Directions
- Orange City2487 Enterprise Rd, Orange City, FL 32763Directions
- Ormond Beach208 S Nova Rd, Ormond Beach, FL 32174Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.17% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.46% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.79% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $72 | $88 | — |
- CapitalNet worth ratio11.17%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.46%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.79%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$72Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of FAIRWINDS Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.