Credit union · NCUA insured
FAIRWINDS Credit Union Savings Rates
FAIRWINDS Credit Union’s best savings rate is 3.39% APY on $10,000, with its My First Home Savings. Rates checked October 15, 2026.
How FAIRWINDS Credit Union’s savings rates compare
Compared with banks and credit unions near Orlando, FL, where FAIRWINDS Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
FAIRWINDS Credit Union
3.39%APY
- Minimum
- $10
- Earns on $10,000 a year
- $339
My First Home Savings
Top rate
Climate First Bank
4.01%APY
- Minimum
- $50
- Earns on $10,000 a year
- $401
2nd-highest rate
BankUnited
3.50%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $350
FAIRWINDS Credit Union savings score
95
Savings score
Higher than 98% of U.S. banks and credit unions
- $1,000 balance$1,0005.00%
- $10,000 balance$10,0003.39%
- $100,000 balance$100,0003.39%
- QualifiedQualified3.39%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where FAIRWINDS Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
My First Home Savings
3.39%APY
$10 minimum opening deposit. Designed for first-time home buyers saving for a down payment.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 3.39% | $339 |
Freedom Savings
0.10%APY
$10 minimum opening deposit. $5 monthly service charge waived with one of the following: $300 average monthly account balance, $25 or greater total monthly deposit or transfer into the account, $10,000 or greater average monthly combined savings balance (excluding checking balances), Signature Checking account holders, or receiving at least one Change it Up deposit per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (3)
- fairwinds.org/personal/savings-accounts
- fairwinds.org/personal/savings…/freedom-savings-account
- fairwinds.org/rates
All captured Oct 5, 2026
Emergency Savings
0.09%APY on $10,000
$10 minimum opening deposit. $5 monthly service charge waived with any one of the following: $300 average monthly account balance, $25 or greater total monthly deposit or transfer into the account, $10,000 or greater average monthly combined savings balance (excluding checking balances), Signature Checking account holders, or receiving at least one Change it Up deposit per month. Limit one Emergency Savings account per member. Not available to be used for overdraft transfers to checking. Premium rate of 5.00% APY is applied to the first $1,000 in the Emergency Savings account; balances above $1,000 earn 0.10% APY.
| Part of the balance | Rate on that part |
|---|---|
| Over $1,000 | 0.10% |
On $10,000 the tiers blend to about 0.09% APY, earning $9 a year.
Sources (3)
- fairwinds.org/personal/savings-accounts
- fairwinds.org/personal/savings…mergency-savings-account
- fairwinds.org/rates
All captured Oct 5, 2026
Save Smart Savings
0.00%APY on $10,000
Automatically bundled with a Spend Smart Checking Account. $10 minimum opening deposit. No monthly service charge and no minimum balance requirement. Premium rate applied to the first $100,000 in the Save Smart Savings account; balances above $100,000 earn 0.10% APY.
| Part of the balance | Rate on that part |
|---|---|
| Over $100,000 | 0.10% |
On $10,000 the tiers blend to about 0.00% APY, earning $0 a year.
Sources (3)
- fairwinds.org/personal/savings-accounts
- fairwinds.org/rates
- fairwinds.org/personal/savings…ounts/save-smart-savings
All captured Oct 5, 2026
Special-purpose accounts
IRA Savings
0.10%APY
Available as Traditional or Roth IRA wrapper. Minimum to open is $10.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Closed to new customers
Investor Savings
3.10%APY
Exclusively offered to Wealth Management clients currently having a minimum of $25,000 invested through LPL Financial. $10 minimum opening deposit. No monthly service charge and no minimum balance requirement. This offer cannot be combined with any other offers.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 3.10% | $310 |
| $25,000 – $50,000 | 3.10% | — |
| $50,000 – $100,000 | 3.10% | — |
| $100,000 – $250,000 | 3.10% | — |
| $250,000 – $500,000 | 3.10% | — |
| $500,000 and up | 3.10% | — |
Sources (3)
- fairwinds.org/personal/savings-accounts
- fairwinds.org/personal/savings…investor-savings-account
- fairwinds.org/rates
All captured Oct 5, 2026
Signature Savings
2.15%APY
Exclusively offered to Signature Checking Account members. $10 minimum opening deposit. No monthly service charge and no monthly minimum balance requirement. Visa Signature Credit Card members have access to an additional 0.10% APY toward Signature Savings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 2.15% | $215 |
| $25,000 – $50,000 | 2.15% | — |
| $50,000 – $100,000 | 2.15% | — |
| $100,000 – $250,000 | 2.50% | — |
| $250,000 – $500,000 | 3.10% | — |
| $500,000 and up | 3.10% | — |
Who can join FAIRWINDS Credit Union
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.
Membership information collected October 5, 2026.