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
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
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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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
4.5
Excellent
239 reviews
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Reply from FAIRWINDS Credit Union
Thanks so much for taking the time to share your experience and for the 5-star rating!
Website is user friendly
Website is user friendly. When I have talked to customer service just a couple of times they was friendly.
6 May 2026
Reply from FAIRWINDS Credit Union
We're happy to hear that our website is user-friendly for you. We appreciate your positive feedback regarding our member service team's friendliness and we look forward to serving you again!
Easy to sign up
Easy to sign up. Got a cool debit card . Great app. And they checked in to see if everything going okay 👍
20 January 2026
Reply from FAIRWINDS Credit Union
We appreciate your feedback and are so glad the sign-up process was easy. It's great to hear you like the debit card and app, and that you felt supported! That’s what we are here for-reach out anytime you need us!
I have been really happy with Fairwinds…
I have been really happy with Fairwinds Credit Union. Opening my accounts was easy and quick, they even personally called me after I opened my accounts to make sure everything was set up the way I wanted them. I love that they work with Dave Ramsey and his principles. It is nice to know that they want me to succeed at being debt free and offer features that support that. Very happy with Fairwinds!
6 January 2026
Reply from FAIRWINDS Credit Union
We're happy you had a wonderful account opening experience! It's great to know our follow-up call was helpful and that you appreciate our dedication to financial well-being. We are excited to partner with all our members on their journey to Financial Freedom. Thank you for your positive feedback!
I gave it a good rating because it…
I gave it a good rating because it hasn’t let me down yet so I have nothing but good expectations for it.
6 May 2026
Reply from FAIRWINDS Credit Union
We appreciate you taking the time to share your positive experience thus far and we look forward serving you well! Thank you for the 5-star rating!
Reply from FAIRWINDS Credit Union
We are glad you had a wonderful overall experience. Thank you for sharing your positive feedback with us; we appreciate it.
Each of the transactions I attempted to…
Each of the transactions I attempted to perform were declined. A hold was placed on my account for depositing money. This account was not helpful to me. I will say that Miguel Nunez contacted me the day I opened my account. That gentleman provided top tier customer service. I also contacted Miguel to close my accounts. Once again his service was top notch.
16 April 2026
Reply from FAIRWINDS Credit Union
Thank you for sharing your experience. We understand how frustrating it can be to experience delays when attempting to move funds. We’re sorry these services did not meet your needs and that you chose to close your accounts. We appreciate your feedback and are always here to talk through any remaining questions if you decide to reach out again.
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.
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.
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