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FAIRWINDS Credit Union Reviews 

239
TrustScore 4.5 out of 5

4.5

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Review summary

Created with AI, based on recent reviews

Considering 229 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for being polite, courteous, friendly, and helpful, often going above and beyond to assist with inquiries and account setup. The customer service is frequently highlighted as excellent, with many people appreciating the quick responses, personalized approach, and the ease of getting questions answered through chat or phone. Reviewers find the overall service and user experience to be smooth and easy, from setting up accounts to managing them online, with many noting the efficiency and professionalism. However, some customers also noted issues with payment processing, experiencing multiple overdraft fees without real-time alerts or finding their cards declined for no apparent reason. A few other people also felt that the mobile app or budgeting tools were not user-friendly, and some had difficulty transferring money or reaching a real person for mortgage-related inquiries.

What people talk about most

Staff

Customers consistently note positive experiences with staff, highlighting their helpfulness, professionalism,... See more

Customer service

Customers had positive experiences with customer service, often highlighting that representatives went above... See more

Service

Reviewers mention positive feedback about service, often describing it as great, efficient, and top-notch,... See more

User experience

Consumers find the user experience to be largely positive, with many praising the ease of creating accounts... See more

Payment

Clients share ambiguous opinions on payment, with some expressing frustration over issues like debit card... 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

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

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

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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4.5

Excellent

TrustScore 4.5 out of 5

239 reviews

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4.5

All reviews

(239)

229 reviews in the last 12 months

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Rated 5 out of 5 stars

Everything went well and all the…

Everything went well and all the employees are a pleasure to deal with.

16 April 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

It is great to know that our crew were a pleasure to deal with. Thank you for your feedback.

Rated 5 out of 5 stars

Exceptional customer service all the…

Exceptional customer service all the time! I’ve been a customer almost 4 years I’m treated so nicely and professionally each and every day I use them.

5 May 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

We appreciate your membership and are so happy to hear that you receive exceptional and professional member service on a consistent basis. Thank you for your positive feedback!

Rated 5 out of 5 stars

They have helpful people and I've not…

They have helpful people and I've not had any issues.

6 May 2026
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Reply from FAIRWINDS Credit Union

We appreciate you taking the time to share your positive experience. Our crew love providing great service to our members.

Rated 1 out of 5 stars

I still can not put cash into ANY ATM…

I still can not put cash into ANY ATM in Illinois. Every time I call they give me all different ATMs that are supposed to take cash but they don't. I hate that I have to go to yet another credit union and close my FW accounts.

5 May 2026
FAIRWINDS Credit Union logo

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 limited access to deposit options. A member of our team has attempted to contact you via phone and email to better understand the situation and work to provide a resolution. Thank you for sharing your feedback, as it helps us improve communication and better serve our members.

Rated 5 out of 5 stars

Great credit union

Great credit union. Amazing people working there very helpful. Easy app to navigate. Couldn't ask for more from a credit union.

6 May 2026
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Reply from FAIRWINDS Credit Union

We are so happy to hear you've had a great experience with our crew and our easy-to-use app! We appreciate you taking the time to share your experience.

Rated 4 out of 5 stars

Great bank

Great bank, I heard giving the best rates for their clients for financing cars or mortgages. However they declined my personal loan application but hope when I trade in my car next year will able to provide me a great finance plan.

6 May 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

Thank you for the kind words about FAIRWINDS! A loan decision not going as expected can be a challenging experience, and we appreciate you sharing your feedback with us. We look forward to working with you on your auto financing needs when the time comes. Our crew is always ready to help.

Rated 5 out of 5 stars

It was a smooth transition from my old…

It was a smooth transition from my old bank to this new one. The customer support people were great, and they answered all of my questions. I have been able to get cash from an in network local bank so that is cool. I like that my Savings account has a low monthly limit compared to my old bank.

9 February 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

We're happy to hear that switching over to FAIRWINDS was easy! It's great to know our member service team met your needs and that you appreciate the convenient access to cash and the savings account features. Thank you for sharing your experience.

Rated 5 out of 5 stars

The best

I love my credit union. Online banking is easy and customer service is 100%

6 May 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

We love to know that you find our online banking easy and our member service to be great! Thanks for your feedback!

Rated 5 out of 5 stars

Overall great company glad I chose you guys

Overall great company every employee I've had assist me was terrific my go to is Melissa she's awesome and extremely helpful

18 July 2025
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Reply from FAIRWINDS Credit Union

We're happy to hear that every crewmember has provided you with terrific service. We appreciate your positive feedback and are glad to have you as a member!

Rated 2 out of 5 stars

I was given bad financial advice from a…

I was given bad financial advice from a branch manager. She suggested I apply for a credit card and I was denied for the card and my credit score dropped. Then I was stuck with a terrible interest rate.

6 May 2025
FAIRWINDS Credit Union logo

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 lending experience. A manager has attempted to contact you via email to better understand what occurred. Please feel free to reply to their message at your earliest convenience. Thank you for sharing your feedback, as it helps us improve communication and better serve our members.

Rated 5 out of 5 stars

FAIRWINDS service is amazing

The customer service and the office team is very friendly

6 May 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

We appreciate you taking the time to share your kind words. Our crew work hard to create a welcoming environment for our members and it’s awesome to know that you’ve experienced it.

Rated 5 out of 5 stars

Great service and promotion of various…

Great service and promotion of various fiscal benefits available to members. Very well done.

8 April 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

We're happy to hear that you find our service great and appreciate the benefits we are excited to offer to our members. Thank you for your positive feedback.

Rated 4 out of 5 stars

The only complaint I have is there is a…

The only complaint I have is there is a maximum of 4 payments allowed in a month to my auto loan, I should be able to make as many payments as I want.

5 May 2026
FAIRWINDS Credit Union logo

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 are sorry that our current payment solutions do not fully meet your needs. Thank you for sharing your feedback, as it helps us improve communication and better serve our members.

Rated 5 out of 5 stars

Best bank

Best bank I have be apart of

6 May 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

Thank you for your positive feedback; it means a lot to us.

Rated 4 out of 5 stars
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

We're glad our crew could provide the support you needed, and we value your recognition. We appreciate the positive feedback and look forward to continuing to serve you!

Rated 5 out of 5 stars

Every time I go in the branch in Ormond…

Every time I go in the branch in Ormond beach fl they have been helpful and pleasant to do business with i will continue to stay with fairwinds credit union

9 January 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

We appreciate you taking the time to share your positive experience with our Ormond Beach branch. We are happy to hear that our crewmembers have been helpful and pleasant. We value your continued membership!

Rated 1 out of 5 stars

Worst

Bad employment

2 April 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

At FAIRWINDS, we are committed to delivering a positive experience for both our members and our crew. We strive to foster a respectful, supportive workplace and uphold high standards in how we serve and care for others.

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