# FAIRWINDS Credit Union CD and share certificate rates

As of October 22, 2026, FAIRWINDS Credit Union's highest CD (share certificate) rate is 3.70% APY on a 60-month CD ($1,000 minimum). That is 2.6 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 1.16% to 3.70% APY.

Canonical page: https://apyledger.com/cd-rates/fairwinds-credit-union
Institution: FAIRWINDS Credit Union (NCUA 68417)
Aliases: FAIRWINDS, Fairwinds
Status: live
Last verified: 2026-10-22T10:08:34.000Z (October 22, 2026)
Official source: https://www.fairwinds.org/rates
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3-Month CD | standard | 3 months | $1,000 | 1.16% | Not ZIP-priced | −3.13% | 2026-10-22T10:08:34.000Z | [Snapshot 221](https://apyledger.com/snapshots/221) |
| 6-Month CD | standard | 6 months | $1,000 | 3.65% | Not ZIP-priced | −0.75% | 2026-10-22T10:08:34.000Z | [Snapshot 221](https://apyledger.com/snapshots/221) |
| 12-Month CD | standard | 12 months | $1,000 | 3.39% | Not ZIP-priced | −1.18% | 2026-10-22T10:08:34.000Z | [Snapshot 221](https://apyledger.com/snapshots/221) |
| 24-Month CD | standard | 24 months | $1,000 | 3.58% | Not ZIP-priced | −1.29% | 2026-10-22T10:08:34.000Z | [Snapshot 221](https://apyledger.com/snapshots/221) |
| 36-Month CD | standard | 36 months | $1,000 | 3.64% | Not ZIP-priced | −1.31% | 2026-10-22T10:08:34.000Z | [Snapshot 221](https://apyledger.com/snapshots/221) |
| 48-Month CD | standard | 48 months | $1,000 | 3.67% | Not ZIP-priced | −1.31% | 2026-10-22T10:08:34.000Z | [Snapshot 221](https://apyledger.com/snapshots/221) |
| 60-Month CD | standard | 60 months | $1,000 | 3.70% | Not ZIP-priced | −1.31% | 2026-10-22T10:08:34.000Z | [Snapshot 221](https://apyledger.com/snapshots/221) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.