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FAIRWINDS Credit Union Reviews 216

TrustScore 4.5 out of 5

4.6

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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

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4.6

Excellent

TrustScore 4.5 out of 5

216 reviews

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Rated 5 out of 5 stars

Staff at the branch are excellent and…

Staff at the branch are excellent and taking care of any issue in a timely manner

April 2, 2026
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Reply from FAIRWINDS Credit Union

Thank you for your positive feedback! We are delighted to hear that our team provided excellent and timely service.

Rated 5 out of 5 stars

Quick and easy and no extra charge to…

Quick and easy and no extra charge to open a second savings account. Thank you

April 17, 2026
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Reply from FAIRWINDS Credit Union

Thank you for your feedback! It is nice to hear that opening a second savings account was quick and easy.

Rated 5 out of 5 stars

Fairwinds service & team members are great!

Knowledge, experienced & courteous team members. Every time you go to a branch you feel welcomed by everyone!

April 13, 2026
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Reply from FAIRWINDS Credit Union

We appreciate you taking the time to share your positive experience with our team. It's nice to hear that you feel welcomed and valued by our knowledgeable team members.

Rated 5 out of 5 stars

I skeptical at first dealing with a…

I was skeptical at first dealing with a credit union no where near me or that I could just walk into, but I am sure glad I did! There high yield interest saving accounts are like none other I have had any experience, (way better then the banks) and the customer support is real people that answer the phone and are very knowledgeable and always helpful.

April 16, 2026
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Reply from FAIRWINDS Credit Union

We're happy to hear that your experience with our savings accounts and support has been positive. It's great to know that our team's knowledge and accessibility have been beneficial to you. Thank you for sharing your experience!

Rated 5 out of 5 stars

You Need to Use This Credit Union

The support, the people, the options, the feeling like you're not just a number, and they're not just there to get you into more debt, but help you win in life.

Only thing that would be awesome to have in addition is dark mode in the mobile app!

April 17, 2026
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Reply from FAIRWINDS Credit Union

Thank you for taking the time to share this with us. We are glad that the support and options available have made a meaningful difference for you. We also appreciate you sharing the dark mode suggestion for the mobile app. We look forward to continuing to serve you.

Rated 5 out of 5 stars

Member since 1997

I've been a members since 1997 I've never had any awful issues with fairwinds Credit Union, they always treated me with the red carpet vibes ~...

April 1, 2026
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Reply from FAIRWINDS Credit Union

We appreciate your loyalty and trust throughout all these years! We are happy to hear that you've consistently experienced excellent service from our team. Thank you for sharing your positive feedback.

Rated 5 out of 5 stars

Simple website to navigate.

Simple website to navigate.
Always a great visit to the branch.

March 25, 2026
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Reply from FAIRWINDS Credit Union

We're happy to hear that our website is easy to use and that you enjoy visiting our branch. Thank you for your positive feedback!

Rated 5 out of 5 stars

Customer service is great

Customer service is great! I have been with FCU for years and am happy with them. They helped me save so that I could buy my first home.

April 17, 2026
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Reply from FAIRWINDS Credit Union

We're happy to hear that our service has been great for you over the years. We appreciate you being a member and are glad we could help you buy your first home!

Rated 2 out of 5 stars

Numerous amount amounts of fraud

Two of my family members and myself have been victims of fraud, through our savings and checking accounts. Even my business Fairwinds account was affected. I have not experienced this extent of fraud with any other banking institution or credit cards.

April 9, 2026
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Reply from FAIRWINDS Credit Union

Thank you for bringing your concerns to our attention. A manager has been in contact with you to ensure that you and your family have the support you need. Security concerns across multiple accounts can be incredibly stressful, and we don't take that lightly. We thank you for the opportunity to speak with you and assure you that we are always here to help.

Rated 5 out of 5 stars
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

We appreciate you taking the time to share your positive experience. We are glad to hear that we consistently meet your expectations.

Rated 5 out of 5 stars

Love Fairwinds

They respond to messages quickly. There aren't long waits for phone support. The tellers are kind. I've been a member since 2011 and have enjoyed the consistently good customer service. I also love the app. It is functional and gives me the ability to easily bank from my phone.

April 17, 2026
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Reply from FAIRWINDS Credit Union

We're happy to hear that you've consistently enjoyed our service since 2011. It's great to know you appreciate our quick response times and kind tellers. We're also glad the app helps you easily bank from your phone. Thank you for your feedback!

Rated 5 out of 5 stars
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

Thank you for taking the time to share your experience! We're delighted you found our crew approachable and helpful.

Rated 5 out of 5 stars

Convenience

Convenience, Welcoming, Willingness to assist, Friendly

April 17, 2026
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Reply from FAIRWINDS Credit Union

We are happy to hear that you found our team welcoming and helpful. Thank you for your feedback!

Rated 5 out of 5 stars

Everything is great

April 17, 2026
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Reply from FAIRWINDS Credit Union

Thank you for your review! Serving you and providing you with an exceptional experience is at the heart of everything we do.

Rated 5 out of 5 stars

For customer service that can’t be beat!

For customer service, FAIRWINDS knocks any bank out of the ballpark that I’ve ever dealt with!
I’m a Dave Ramsey fan and I tried the Dave Ramsey package and couldn’t recommend it more!
I was so tired of trying to reach my local bank if I had a question about anything and getting stuck in some AI loop from hell that isn’t banking and that isn’t customer service.
Real people who really help!!
Grow your money with FAIRWINDS!

October 1, 2025
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

Real, caring service is at the heart of everything our crew does, and we love hearing it made such an impact. We are also thrilled that the Smart Bundle is working for you. Our partnership with Ramsey Solutions reflects a shared belief in intentional money decisions and Financial Freedom, and we are honored to support you on that journey. Thank you for spreading the word!

Rated 5 out of 5 stars

Never had any issues

Never had any issues, haven’t dealt with people in a very long time

April 17, 2026
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Reply from FAIRWINDS Credit Union

We appreciate your feedback and are glad you haven't encountered any problems. We are always here to help if you need us!

Rated 5 out of 5 stars

Always excellent service and willing to…

Always excellent service and willing to answer and help all the time.

April 17, 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

We are happy to hear that you consistently receive excellent support. Thank you for taking the time to leave us this positive feedback.

Rated 5 out of 5 stars

Great customer relations and easy…

Great customer relations and easy access to a real person, even though there isn't a branch close to me. Can't recommend them enough!

April 17, 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

Thank you for sharing your positive experience! We're glad that you found it easy to reach our team. We appreciate your recommendation!

Rated 5 out of 5 stars

Great customer service

Great customer service. Great app. Great interest rates.

March 2, 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

We're happy to hear that you had a wonderful experience with our customer service, app, and interest rates. Thank you for your positive feedback!

Rated 5 out of 5 stars

Great service

Great service, friendly and giving advice on different financial options.

April 14, 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

We're happy to hear that you found our service great and our team friendly. Thank you for your feedback!

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