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
Company replied
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
4.7
Excellent
177 reviews
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Carefree use
Carefree use. I've had many banks over the years but Fairwinds has been a "set it and forget it" banking company 100%!! Customer service is top notch and the online access is great!
2 May 2026
Reply from FAIRWINDS Credit Union
Thank you for sharing this feedback! Easy, reliable banking is what we strive to deliver, and it is good to hear that our service and online access are making that a consistent experience.
Very positive and friendly environment
Very positive and friendly environment. This credit union has always treated me with smiles and open arms. They listen and do everything they can to answer any questions to the best of their abilities.
1 May 2026
Reply from FAIRWINDS Credit Union
Creating a warm, welcoming environment where you feel heard and supported is at the heart of what we do, and it is good to know that comes through consistently. Thank you for your continued trust in FAIRWINDS and for taking the time to share your experience.
Jackie was attentive to my inquiry
Jackie was attentive to my inquiry, efficient with my time. I am always impressed with the genuine service I receive when I visit.
28 April 2026
Reply from FAIRWINDS Credit Union
We appreciate the kind words! We are glad to hear that Jackie provided attentive and efficient service during your visit.
We have been grateful to find your…
We have been grateful to find your credit union and very acceptable and easy to use.
11 December 2025
Reply from FAIRWINDS Credit Union
Thank you for sharing your feedback! We are glad to hear that banking with FAIRWINDS has been a smooth and easy experience for you.
not happy
1. When I joined, I didn't automatically find the correct account option for the Ramsey recommended account. His recommendation IS the only reason I tried this bank.
2. I found out I was in the wrong account by the fees I was charged. I had to call and ASK for the correct account.
3. I told them I called because of the Ramsey show AND still never received the debt is "normal be weird" debit card. I thought it would also be automatically sent. OR the CSA would ASK if I wanted that particular card.
4. I was charged overdraft fees. The current bank I use has the option to just deny the transaction, which I love- being a low-income earner. paying for something YOU allowed is insanity. I hated this part.
5. Customer service reps sounded bored. Where I currently bank, they always sound HAPPY to help.
30 April 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 the service charges and account options. A manager has attempted to contact you via email to better understand what occurred. Thank you for sharing your feedback, as it helps us improve communication and better serve our members.
Fairwinds family is professional & helpful.
The loan officer was very easy and professional, the customer service lady was always friendly greeting and helpful with Notary or what I needed she was there, most of the staff service was excellent, I had a problem in December with one of the tellers pretending to be a Manager & refusing to cash a large check, she is not there anymore, Fairwinds family is awesome, Thank you
19 December 2025
Reply from FAIRWINDS Credit Union
Thank you for the review. We are pleased to hear that our loan officer and member services team provided the professional, attentive support you needed. We remain committed to delivering a consistent and quality experience for every member, and we appreciate you taking the time to share your feedback with us.
I found Fairwinds through the Ramsey…
I found Fairwinds through the Ramsey program and I couldn’t be happier. No surprise fees and they have accounts to help accomplish financial goals
30 April 2026
Reply from FAIRWINDS Credit Union
Thank you for sharing! It is great to hear that The Ramsey Show led you to FAIRWINDS. Knowing that our accounts and no surprise fees are helping you work toward your financial goals is exactly what we are here for. We look forward to continuing to serve you.
I like how I can get everything from…
I like how I can get everything from deposit checks, transfer from account to account anytime, and setting up CD's is easy.
Only downside is finding a ATM location. The other thing is can't deposit cash anywhere.
30 April 2026
Reply from FAIRWINDS Credit Union
We're pleased to know that mobile check deposits, transfers, and CDs have been a positive experience for you. We appreciate your feedback about ATM access and cash deposit options. A crewmember has attempted to reached out and is ready to help you locate the most convenient fee-free ATMs and shared branch partner locations where you can complete the transactions you need. You can also explore nearby options by visiting fairwinds.org/locations. Thank you for your feedback and for your membership.
Reply from FAIRWINDS Credit Union
Thank you for taking the time to leave a review! Our crew works hard to make every interaction a positive one.
You’ve done everything you said you…
You’ve done everything you said you would up to this point.
30 April 2026
Reply from FAIRWINDS Credit Union
Thank you for the feedback! Following through on our commitments is something we take seriously at FAIRWINDS, and we are glad that has been your experience.
They were very helpful when my husband…
They were very helpful when my husband passed. The transfer of funds ans accounts was seamless. Everyone involved were understanding and pleasant.
30 April 2026
Reply from FAIRWINDS Credit Union
Thank you for taking the time to leave a review. We understand how much it matters to have a crew that is understanding and pleasant during a hard time, and we are glad the transfer of funds and accounts was handled smoothly. We are here for you whenever you need us.
Teller was very helpful in updating my…
Teller was very helpful in updating my account information!
13 April 2026
Reply from FAIRWINDS Credit Union
We are glad our crewmember was able to assist you with updating your account information. Thank you for the review!
Reply from FAIRWINDS Credit Union
We appreciate you taking the time to share your positive experience. We're glad our crew could provide efficient support.
Customer Service was amazingly helpful…
Customer Service was amazingly helpful and so very kind and patient when answering my questions.
29 April 2026
Reply from FAIRWINDS Credit Union
Thank you for sharing your experience! We are glad our crew was helpful, kind, and patient in answering your questions.
I love everything about Fairwinds
I love everything about Fairwinds. I've been with then since the early 2000s. Wouldn't go anywhere else. Thank you Fairwinds for being so great!
30 April 2026
Reply from FAIRWINDS Credit Union
Thank you for the feedback and for being with FAIRWINDS since the early 2000s! Over two decades of trust is something we are proud of, and we remain committed to delivering the same great experience for years to come.
Reply from FAIRWINDS Credit Union
We're happy to hear that our website and crew were helpful and friendly. We appreciate your positive feedback.
Easy and Safe Money Management
The application between my two accounts have made it easy and safe to transfer money
29 April 2026
Reply from FAIRWINDS Credit Union
We're happy to hear that transferring money between your accounts is easy and you feel safe doing so. Thank you for sharing your positive experience with us and we are always here if you need any help!
Good online banking and no charge ATM…
Good online banking and no charge ATM at Publix locations. on those rare occasions when I must be in person it is difficult because I moved and the local partner could not help.
15 April 2026
Reply from FAIRWINDS Credit Union
We appreciate you sharing your feedback! Knowing our online banking and Publix ATM access have worked well for you is great to hear. To help with in-person banking near you, please visit www.fairwinds.org/support/shared-branch-banking or give us a call at 800-443-6887. We'd be glad to help you find the most convenient partner location!
I started using Fairwinds because of…
I started using Fairwinds because of Dave Ramsey and had just started a high yield savings with a different bank. The banking app I was using was going through some changes that required I find a new bank for a while when I saw Fairwinds on the Ramsey show. Everything that I use functions great BUT I find the budget portion of your website very hard to use and I can't get it work fine tune to match my monthly budget. That is really the only reason I do not give 5 stars. What I would LOVE to see is Fairwinds partner with Qube+ Money to streamline their upcoming Qube Checking portion of their service. That one partnership would cause me to give 10 stars and refer everyone I know :)
30 April 2026
Reply from FAIRWINDS Credit Union
Thank you for taking the time to share your your experience. A manager has attempted to contact you via phone to discuss your feedback. Please feel free to return their call at your earliest convenience. We appreciate your recommendations and are always here to talk through any remaining concerns.
Customer service great
Customer service great. Options excellent. Using card has been a challange for NO REASONS yall can explain . We buy $100’s from one store and use at a Dollar store and decline charges. Used at another store , declined. Yall claim vendors machines? Nope. I couldn’t use at a Publix using iPhone, Apple Watch , then went to car to get physical card. Tap didn’t work. Swiped worked? Same at Costco , tapping not working but insert did. Simply put all options should work without issue and we’re tired of the excuses. Never had issues with other CU but their service was terrible. Yall are kinda opposite. Please fix and maybe we can keep yall and keep referring in our Financial Peace classes we teach all year.
22 April 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 your card being declined. A manager has attempted to contact you via phone to better understand what occurred and assist in resolving this matter. Please feel free to reply to their call at your earliest convenience. Thank you for sharing your feedback, as it helps us improve communication and better serve our members.
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