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
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Review summary
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What people talk about most
Reviews shaping this summary
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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Initially when I opened an account at Fairwinds it was a business account which lead to a personal account and charge card. The staff at the Sanford, Florida location are amazing. I would like to see... See more
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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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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
227 reviews
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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.
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.
Above and beyond
Everyone was so helpful and willing to work with me even through difficulties. Where many lenders might pass they helped me achieve my refinance and were great overall to work with.
24 April 2026
Reply from FAIRWINDS Credit Union
We appreciate the kind words! Our crew is committed to helping you work through the details of your financial journey, and we are glad that dedication showed during your refinance experience. Thank you for choosing FAIRWINDS.
Reply from FAIRWINDS Credit Union
Thank you for the review! We are glad that your experience with FAIRWINDS has been a positive one across the board.
Fairwinds has helped me with my various…
Fairwinds has helped me with my various needs, from having a savings, to facilitating large wire transfers, to helping me find the best auto insurance coverage.
30 May 2025
Reply from FAIRWINDS Credit Union
Thank you for sharing your experience! It is great to know that FAIRWINDS has been a helpful resource across so many areas, from savings to wire transfers to auto insurance coverage. We look forward to continuing to serve you.
Easy app and good interest rate.
Easy to use app, good interest rate, and overall aligns with our financial goals.
20 April 2026
Reply from FAIRWINDS Credit Union
We appreciate you sharing your feedback! Knowing that our app and interest rates are supporting your financial goals means a great deal to us. We remain committed to providing the tools that help you thrive.
Great customer experience!
30 April 2026
Reply from FAIRWINDS Credit Union
Thank you for sharing your experience! Providing you with exceptional service is at the heart of everything we do.
The feeling of honesty and security
The ease of using a local branch partner. The quick response in CS. The feeling of security.
So far it’s all been great! It would be nice to receive free checks even if only a few and it would also be nice to have an actual membership card that I can use at your Branch Partners so I don’t have to write it on a piece of paper.
29 April 2026
Reply from FAIRWINDS Credit Union
We're happy to hear that you appreciate our shared branch partner access and member service! Thank you for the suggestions regarding complimentary checks and a membership card to be used when visiting partner locations. We appreciate you sharing your feedback, which helps us continue improving the experience we provide our members.
Your check scanning system for deposits…
Your check scanning system for deposits is a bit frustrating.
16 April 2026
Reply from FAIRWINDS Credit Union
Hearing about your experience using the mobile check deposit feature within the FAIRWINDS Mobile App matters to us, and we appreciate you taking the time to share it. A crewmember has already reached out and is looking forward to connecting. We would welcome the chance to discuss alternative deposit options that may be a better fit for you.
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