I had no experience with setting up a high yeild online account and everyone i dealt with went above and beyond to help me. They answered all my questions and some I wasn't aware I should have asked.... See more
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Review summary
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What people talk about most
Reviews shaping this summary
We've had an account with Fairwinds for just a few months, but I'm already very pleased with them! I love that there are no fees on international transactions and that the debit card is safe. When w... See more
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FairWinds Credit Union and Dave Ramsey make a great partnership! I heard about FairWinds through the Dave Ramsey website and since switching from my bank (which was cumbersome when I needed to get he... See more
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Setting up an account was easy and the customer service was great and not overbearing. The app and website are easy to use. The interest rates are competitive compared to my big bank I previously used... See more
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Company details
About FAIRWINDS Credit Union
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FAIRWINDS was founded in 1949 on the simple idea of people helping people. That idea still guides everything we do today. We exist for one reason: to help others take control of their money and move toward financial freedom. That means fewer payments, less stress, and more confidence about the future. It’s not the message you usually hear from a financial institution, but we’re not afraid to be different. At FAIRWINDS, members are part-owners, not customers. That means we don't answer to stockholders, and we don't chase profits. Every dollar we earn is reinvested to help members save more, eliminate debt, build wealth, and live generously. We know financial freedom doesn't happen by accident. That’s why we combine personal guidance with products designed to support real, intentional financial progress, not unnecessary borrowing. That includes:
Anyone in the United States is eligible to become a FAIRWINDS member. Wherever you are, whatever your journey — if you’re committed to being financially free, you’re welcome to join us! Federally insured by the NCUA. |
Contact info
3087 N. Alafaya Trail, 32826, Orlando, United States
- 800-443-6887
- www.fairwinds.org
Your Money Milestone
4.6
Excellent
216 reviews
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Gabby was very professional and…
Gabby was very professional and personal. I love the idea that I can speak with someone, instead of AI.
April 23, 2026
Reply from FAIRWINDS Credit Union
Thank you for this! It's great to hear that Gabby made your experience feel both professional and personal.
Fairwinds is a great banking option
Setting up an account was easy and the customer service was great and not overbearing. The app and website are easy to use. The interest rates are competitive compared to my big bank I previously used. The Ramsey bundle is what first drew me to Fairwinds and I'm glad I decided to try them out.
April 23, 2026
Reply from FAIRWINDS Credit Union
We love hearing this! The Smart Bundle was created to give you the tools to manage your money with confidence, and we're glad it drew you in. We're committed to making sure every part of your experience continues to deliver!
Reply from FAIRWINDS Credit Union
Thank you for the kind words! Delivering a great experience every time is what our team strives for.
Reply from FAIRWINDS Credit Union
We appreciate you taking the time to share your wonderful experience with our team. We are glad to hear that you found them welcoming and professional.
Customer service
Customer service. Online application and recommend services to improve your experience.
April 13, 2026
Reply from FAIRWINDS Credit Union
We appreciate you sharing your feedback. It's great to hear that you found our online application and recommended services helpful. Thank you!
The people are so helpful and friendly…
The people are so helpful and friendly plus the Ramsey Package products are FANTASTIC!
March 16, 2026
Reply from FAIRWINDS Credit Union
Thank you for sharing! From the Save Smart Savings to the Spend Smart Checking and Be Weird debit card, the Smart Bundle is designed to keep you on the path to financial freedom. We're glad our crew has been a great part of that experience!
High Yield Savings Smart
High Yield Savings Smart! Easy app to use. First customer call experience was good over the phone. They helped us solve the problem together. Thank you.
March 7, 2026
Reply from FAIRWINDS Credit Union
Thank you for your feedback! The Smart Bundle is designed to make managing your money simple and rewarding, and we're glad the Save Smart Savings account and app are delivering on that. We're also happy our crew was there to help when you needed it!
Excellent Experience!
I came in to convert my existing checking and savings into the Smart checking/Savings Bundle. The ladies made the process very easy and enjoyable! Held great conversation and had a chance to meet one of the new ladies behind the line. She was very kind and had no issue receiving help where needed. Great Job Team!
April 22, 2026
Reply from FAIRWINDS Credit Union
We appreciate you sharing this! The Smart Bundle is built to help you take charge of your finances, and we're glad our crew made the transition a great experience. We're excited for you to enjoy everything it has to offer!
How easy it was to create an account.
October 15, 2025
Reply from FAIRWINDS Credit Union
We're happy to hear that creating an account was easy! Thank you for sharing your experience.
The website and app make managing our…
The website and app make managing our accounts super easy. We thoroughly appreciate the "no hold/pending" on our direct deposits. It actually makes planning our budgets easier.
April 23, 2026
Reply from FAIRWINDS Credit Union
We're happy to hear that our website and app simplify your account management. It's great to know that you appreciate the direct deposit feature, and that it helps with your budgeting. Thank you for your feedback!
Reply from FAIRWINDS Credit Union
Thank you for the kind words! It's great to hear that Ray delivered a patient and helpful experience.
Communication
The communication with the staff was phenomenal. Clear understanding.
And very pleasant.
December 1, 2025
Reply from FAIRWINDS Credit Union
We're happy to hear that our team's clear communication made your experience so pleasant. Thank you for sharing your positive feedback with us!
Poor loan servicing customer service
It’s extremely hard to get a real person to talk to you when you have a mortgage with them. You call the number and it just routes you to all these other options and you can never get a real person to pick up the phone. I had one question and it is still not responded to.
March 27, 2026
Reply from FAIRWINDS Credit Union
At FAIRWINDS, creating an exceptional experience is at the heart of everything we do, and we take all member feedback seriously. We’re sorry for the frustration caused by this. A manager will contact you via phone to better understand what occurred and assist in resolving this matter. Thank you for sharing your feedback, as it helps us improve communication and better serve our members.
The app is super easy to use and…
The app is super easy to use and customer service has been great. It’s nice to work with a bank I can trust.
April 23, 2026
Reply from FAIRWINDS Credit Union
Thank you for the positive feedback! We're happy to hear the app has been easy to navigate and that our team has made a positive impression.
Reply from FAIRWINDS Credit Union
We appreciate you sharing this! We're glad everything has been running smoothly for you.
I wish there was an option for 4.5…
I wish there was an option for 4.5 because that’s what I would’ve chosen. I love the support, the rates, the quick responses to inquiries. I LOVE what they stand for! I appreciate the support for people still getting out of debt and learning to save! My only reason for the one less star than 5 was how loooooong transfers take. I switch my HYSA from another institution and they transfer same or next day. FAIRWINDS to my local CU takes 3-5 days.
April 23, 2026
Reply from FAIRWINDS Credit Union
Thank you so much for your thoughtful review and for sharing both what you love and where we can improve. We’re glad to hear our support, rates, responsiveness, and commitment to helping members get out of debt and build savings resonate with you—that mission is at the heart of FAIRWINDS.
We appreciate your feedback about transfer timing and understand how important quick access to your money can be. A member of our team has attempted to connect with you and will be reaching out again on Monday to better understand your experience and review available options.
Thank you for your membership and for allowing us to support you on your journey to Financial Freedom.
Excellent Services
We've had an account with Fairwinds for just a few months, but I'm already very pleased with them! I love that there are no fees on international transactions and that the debit card is safe. When we made a purchase that normally would've "overdrafted", it just allowed us to pay what we had in the account instead, and we paid the remaining balance in cash. That is exactly what we want to happen! Thank you!
April 2, 2026
Reply from FAIRWINDS Credit Union
Thank you for sharing! We're pleased to hear that your account has been working just the way you need it to, from the international transaction benefits to the flexibility at checkout. We appreciate your trust in FAIRWINDS and look forward to continuing to serve you!
Real bank that cares
Your bank is really easy to become a member. Hearing a few days after becoming a member from an actual real human being was great! It made me feel like Fairwinds actually cared about me.
April 23, 2026
Reply from FAIRWINDS Credit Union
Thank you for your feedback! Making each member feel welcomed from day one is at the heart of what we do. Thank you for being part of FAIRWINDS, and we look forward to serving you!
Professional service
April 22, 2026
Reply from FAIRWINDS Credit Union
Thank you for the kind words! Serving you with professionalism and care is always our goal.
I trust Fairwinds with all of my…
I trust Fairwinds with all of my financial needs. I've been with them for years and their customer service on the phone as well as in the branches is always excellent. They don't charge junk fees and they are always willing to work with customers to find the best solutions
April 23, 2026
Reply from FAIRWINDS Credit Union
Thank you for the kind words and for your years of membership! Serving you with care, transparency, and the right solutions is what we're here for. We appreciate your trust in FAIRWINDS!
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