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FAIRWINDS Credit Union Reviews 228

TrustScore 4.5 out of 5

4.6

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Review summary

Created with AI, based on recent reviews

Evaluating 221 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their helpfulness, politeness, and knowledge, making interactions pleasant and productive. The customer service is frequently highlighted as exceptional, with many people appreciating the personalized and efficient approach. Reviewers also find the overall service and user experience to be excellent, noting the ease of setting up accounts and using online banking features. However, some customers also noted issues related to payment and card functionality, including unexpected overdraft fees, difficulties with debit card usage, and problems with transferring funds or using the online payment system. A few people also mentioned receiving unhelpful financial advice or experiencing holds on their accounts.

What people talk about most

Staff

Clients share positive opinions on staff, frequently highlighting their helpfulness, professionalism, and... See more

Customer service

Reviewers mention positive feedback about customer service. Many customers praise the helpfulness,... See more

Service

Users describe positive interactions with service, highlighting great and efficient customer service. Many... See more

User experience

Reviewers highlight positive aspects of user experience. Customers generally find the app and website... See more

Payment

Consumers find payment experiences to be ambiguous. Many reviewers appreciate the ease of transferring funds... 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

I have been a member of Fairwinds for over 25 years. I moved away from the Orlando area 13 years ago, but I kept my account there because they are always helpful, courteous, and knowledgeable. I've... See more

Company replied

Rated 5 out of 5 stars

I have several online-only banking services for which my only contact with them is through an ATM or through Zelle, and the use of my debit card. So far, I've been very pleased. Fairwinds banking app... See more

Company replied

Rated 5 out of 5 stars

If Fairwinds makes the process any easier, there will be no process. I requested a car loan refinance at 11pm using the phone app., which was extremely easy and by 5pm the next day, it was done and pr... 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

228 reviews

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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.

9 April 2026
FAIRWINDS Credit Union logo

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.

17 April 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

17 April 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

17 April 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!

1 October 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

17 April 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.

17 April 2026
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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!

17 April 2026
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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.

2 March 2026
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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.

14 April 2026
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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!

Rated 5 out of 5 stars

Very easy to navigate in app

Very easy to navigate in app. Customer Support is always polite and helpful.

13 March 2026
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Reply from FAIRWINDS Credit Union

We're happy to hear that you find our app easy to use and that our team is helpful. Thank you for taking the time to share your positive experience!

Rated 5 out of 5 stars

My banker Shellon Maxwell at Winter…

My banker Shellon Maxwell at Winter Springs FL office. She’s the reason I just moved my entire relationship to Fairwinds. She’s a pleasure to bank with. The tellers are very good to. Very personable.

2 April 2026
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Reply from FAIRWINDS Credit Union

We're happy to hear that you had a wonderful experience! It's great to know that our team made your transition so pleasant. We appreciate you sharing your positive feedback.

Rated 5 out of 5 stars

I’ve been a member since 1989

I’ve been a member since 1989, and have never looked back. It has always met my needs. Only thing I could wish for since I moved to Vero Beach FL was a branch here where I live now. But mobile banking has filled the gap.

11 April 2026
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Reply from FAIRWINDS Credit Union

We appreciate your long-time membership since 1989! We totally understand your wish for a local branch in Vero Beach, FL, and we're glad mobile banking helps bridge that gap for you. Our members can also use Shared Branch partner locations when there isn't a FAIRWINDS branch nearby. To learn more visit www.fairwinds.org/support/shared-branch-banking. Thank you for your feedback!

Rated 5 out of 5 stars

Very good

Always good

6 April 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

Thank you for taking time to leave a positive review and we appreciate your membership.

Rated 5 out of 5 stars

Excellent company and Credit Union

Excellent company and Credit Union. Have been a member for 6 months and am glad I made the switch.

20 December 2025
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Reply from FAIRWINDS Credit Union

It's awesome that you made the switch and are enjoying your membership with FAIRWINDS. Thank you for sharing your positive experience.

Rated 4 out of 5 stars

Love almost everything about FAIRWINDS…

Love almost everything about FAIRWINDS Credit Union except the fact that when I make a deposit I have to wait several days for the full deposit to be processed. I recently deposited a fairly large check and the stupid process of breaking it up and only having so much available at a time is so frustrating. If I deposit a check I expect it to be available at a minimum next day like my previous bank did.

10 April 2026
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Reply from FAIRWINDS Credit Union

Thank you for your honest feedback. We understand your frustration and want to provide assistance. A member of our team has contacted you with additional information and suggestions to make future experiences easier. Your feedback gives us the opportunity to improve your experience. Thank you for choosing us as your partner on the Journey to Financial Freedom.

Rated 5 out of 5 stars

Great service and amazing employees

Great service and amazing employees. Always willing to assist you with a big smile. You walk into the branch office and you always feel welcome.

1 April 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

It means a lot to us that you feel welcome when you visit our branch. Thank you for your positive feedback and for taking time to recognize our amazing crew!

Rated 5 out of 5 stars

Glad to b a part of Fairwinds

We have been Fairwinds members since 1995. We have always had outstanding service. We are treated with respect and their rates are better than most. They are easy to contact and answer any questions we have in a professional manner. Glad to be a part of Fairwinds Credit Union

8 April 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

We appreciate your long-time membership since 1995 and are so glad you feel respected. It's great to hear our rates and service meet your expectations, and that our crew is helpful and professional. Thank you for your kind words!

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