Banner for FAIRWINDS Credit Union

FAIRWINDS Credit Union Reviews 216

TrustScore 4.5 out of 5

4.6

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Considering 168 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the staff for their helpfulness, politeness, and extensive knowledge, making every interaction pleasant and productive. The customer service is consistently highlighted as excellent, with many appreciating the quick responses, ease of reaching a real person, and the personalized, caring approach. The overall service is described as outstanding, with users finding the online banking and mobile app user-friendly and efficient. However, some customers expressed dissatisfaction with payment-related issues, specifically mentioning unexpected overdraft fees and the unreliability of their debit cards, which occasionally declined transactions without clear reasons. A few people also noted that transfers between accounts could be slow, and some found the budget portion of the website difficult to use.

What people talk about most

Staff

Consumers find staff to be positive, helpful, and pleasant. Many reviewers highlight the kindness,... See more

Customer service

Customers generally report positive experiences with customer service, highlighting helpful, knowledgeable,... See more

User experience

Reviewers highlight positive aspects of user experience, with many finding the mobile app and online banking... See more

Service

Reviewers mention positive feedback about service. Customers consistently praise the great service and... See more

Payment

Clients share ambiguous opinions on payment. Many customers appreciate the ease of depositing checks,... See more

Reviews shaping this summary

Rated 5 out of 5 stars

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

Company replied

Rated 5 out of 5 stars

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

Company replied

Rated 5 out of 5 stars

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

Company replied

Rated 5 out of 5 stars

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

Company replied


Company details

  1. Credit Union
  2. Bank
  3. Financial Institution
  4. Mortgage Lender

About FAIRWINDS Credit Union

Written by the company

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:

  • Checking accounts that support smart everyday spending
  • Savings accounts that help build momentum towards financial goals
  • High-Yield savings bundled with free checking to provide full clarity and convenience
  • Business banking solutions built to grow operations without growing debt
  • Products and solutions for members committed to living financially free
  • Resources designed to meet you where you are — and help you move forward

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!

Get started today!

Federally insured by the NCUA.


Contact info

Promotion box for FAIRWINDS Credit Union

Your Money Milestone

See where you are and what to do next - in minutes!

4.6

Excellent

TrustScore 4.5 out of 5

216 reviews

5-star
4-star
3-star
2-star
1-star

At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Great customer service

Great customer service, quick mobile banking, lots of fee free ATM's in my area, and a good high yield savings account rate! And not getting bombarded with offers for credit cards or loans!

April 23, 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

We appreciate your feedback! Providing our members with the right tools and a positive banking experience is always the goal. Thank you for choosing FAIRWINDS.

Rated 5 out of 5 stars

A+Customer Service

Friendly, helpful, personal customer service!

February 10, 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

We're happy to hear that you found our service friendly, helpful, and personal. Thank you for your positive feedback!

Rated 5 out of 5 stars
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

We're glad you're enjoying it! Offering a savings account that works hard for you is something we take pride in. Thank you for sharing and for being part of FAIRWINDS!

Rated 5 out of 5 stars

Superior rate on a true ‘savings’…

Superior rate on a true ‘savings’ account. Set it and forget it, there if you need it.

April 23, 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

Thank you for sharing! We're glad our savings account has been a great fit for you. We appreciate your trust in FAIRWINDS!

Rated 5 out of 5 stars

Great bank

Great bank. I love how they make things easy online and at their local branches. Highly recommend

April 23, 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

We're happy to hear that our online and local branch services are easy to use for you. Thank you for recommending us and for your positive feedback!

Rated 5 out of 5 stars

Ease of use and help with financing…

Ease of use and help with financing larger purchases

April 23, 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

Thank you for your positive feedback. It's nice to hear that you found our services helpful and easy to use.

Rated 5 out of 5 stars

Amazing bank

Friendly customer service. I also find it easy to get cash wherever I am when needed. I especially like my debt is normal be weird debit card that is part of the partnership with Ramesy. Even when I lost my card it was easy to get replaced.

April 23, 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

We appreciate you sharing this! Partnering with Ramsey to bring you the Be Weird debit card is something we're proud of, and we're glad it's been a highlight for you. Our crew is always here when you need us!

Rated 5 out of 5 stars

Exceptional customer service

I have needed to call a few different times to ask questions about my account and the help I receive is always friendly, helpful, and professional. The app is very user friendly as well. I’m so glad to have my money in a safe place like FAIRWINDS.

January 23, 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

We appreciate the kind words! Knowing that every interaction with our team has left a positive impression means a great deal to us. Thank you for your trust in FAIRWINDS!

Rated 4 out of 5 stars

Good overall, but could be more competitive

Good overall, but I wish they were more pro active in proposing or extending product offerings, instead of just leaving it to the members to do the research and choose.

April 23, 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

Thank you for the feedback! We always appreciate the opportunity to better understand how we can make it easier for our members to do business with FAIRWINDS. One of our managers has reached out to you and we look forward to reviewing your account relationship with you and making sure you are in the products that align with your goals and offer you the greatest benefits. Thank you again, for taking time to share more about your experience.

Rated 5 out of 5 stars

Fairwinds is always a great company

Fairwinds is always a great company. Their customer service will not leave you on hold forever like other competitors. Keep up the great work.

April 22, 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

Thank you for sharing your experience with us! We appreciate your kind words about our service.

Rated 5 out of 5 stars

Professional and efficient

Any time I need to chat with a Fairwinds, it’s a pleasant experience. Always efficient and professional.

April 16, 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

We're happy to hear that your interactions with our team are pleasant. We appreciate you acknowledging our efficiency and professionalism. Thank you for your feedback!

Rated 5 out of 5 stars

The Goals and Money management system…

The Goals and Money management system is a very useful feature I can’t live without. The staff is always a pleasure to work with.

April 23, 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

Thank you for the kind words! Providing tools that make managing your finances easier, alongside a team that cares, is at the heart of what we do.

Rated 5 out of 5 stars

Nothing but positive experiences.

I've been with Fairwinds since around 1996 and have always had a positive experience with them. Just recently, after years of not having issues, had to call in for something and it was immediately resolved in one call.

April 20, 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

Hearing from a longtime member is always meaningful, and we appreciate you taking the time to leave a review. We're glad your recent call was handled promptly and resolved right away. Knowing you felt supported is what drives us to keep delivering that level of care. Thank you for your continued trust in FAIRWINDS.

Rated 4 out of 5 stars

Spouse's Name Missing on Statements

To start, we use Fairwinds because we follow Dave Ramsey and use the Everydollar app. Fairwinds gets the job done, but its online interface experience for both desktop and mobile is only average. For reference Idaho Central CU has one of the best interfaces I've experienced. Also, they seem to be technically challenged. Sometimes when you call, there is only silence on the other end. You have to try a few times before the automated system answers.

Our biggest struggle  is that my wife's name does not appear on our statements even though she is a joint owner on our accounts.

Honestly this MAKES HER FEEL LIKE A CHILD, or rather, like she lives in the 1950s because she cannot open 529s for her biological kids without me asking Fairwinds to provide proof for her, showing that she owns these accounts. Thanks Fairwinds.

The lack of her name on our statements makes verifying our identity for other organizations very difficult. Over a month ago, Fairwinds said they cannot list two names on their statement but would provide a document showing my wife's name for verification purposes, then they never got back to me.

I just got off the phone with Fairwinds again to begin the process for a second time. IT TAKES THEM 3 DAYS TO EMAIL a letter of account ownership listing both of our names. When I asked what happened to my first request they said there was a glitch... but they'll make sure I get it this time.

Honestly, the only reason I'm not giving only two stars is that every credit union has issues like this. So I guess it's average.

Oh and sometimes the website just wont do anything when you try to log in. No error message, just doesn't do anything when you press "login". I've updated my review to 2 stars. I'd be happy to upgrade my review if they get in touch with me after I send them a message all this when I am able to log in some day.

Update: I've change my review to 4 stars because only a few hours later. Fairwinds emailed a letter of account ownership and call me personally to get thing sorted out. They also assured me that they are actively working on improving the joint member experience, including statement access, with a task force led by the CEO, but no timeline is set for these broader changes.

April 20, 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

Thank you for taking the time to share this feedback. We’re truly sorry for the frustration this experience caused, especially around joint account recognition and the impact it had on your wife. That is not the experience we want for any member.

Our team connected with you directly to confirm delivery of the account ownership letter you requested and to explain why joint owners were not previously reflected on statements. We also took steps to add your wife’s name to your statement going forward so it will appear on future statements.

Additionally, we shared direct contact information to ensure you have an easy path to continued support.

We appreciate your candid feedback on our digital and phone experiences as well. This input is being shared with our teams as we continue to make improvements. Thank you for giving us the opportunity to address this and to do better.

Rated 4 out of 5 stars

Fairwinds offers a variety of helpful…

Fairwinds offers a variety of helpful services including zelle. I have also enjoyed my experience with having our mortgage through the you, the interest rate was much lower than the mortgage lenders and it was not cumbersome going through the underwriting process.

April 20, 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

Thank you for sharing your positive experience! We're glad you enjoyed you our services. It's great to hear that you benefited from a lower interest rate and a smooth mortgage process.

Rated 5 out of 5 stars

Always a very good experience when I…

Always a very good experience when I have had to visit the Fairwinds office on Grant and Semoran, in Orlando, Fl.

November 18, 2025
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

We're happy to hear that your visits to our office have been a good experience. Thank you for your positive feedback.

Rated 5 out of 5 stars

Customer service

Customer service

April 11, 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

Thank you for your review! We appreciate your recognition of our team's efforts.

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look