Changing Members' Lives on the Journey to Financial Freedom
Imagine what it would feel like not to have any debt. To feel financially secure. Any person and any business can achieve financial freedom. Let us show you how.
Learn More
Financial Freedom happens here.®
FAIRWINDS was founded in 1949 on the philosophy of people-helping-people. We want our members to be debt-free and live generous lives so they can help and serve others. It's not a message you expect to hear from a financial institution. We're not afraid to be different.
At FAIRWINDS, you won't find 84-month auto loans or buy now, pay later loans.
Instead, you'll find tools and resources to help you pay down debt as fast as possible. Products and solutions designed with your best interest in mind and not our bottom line.
We're helping generations of members save more, pay off their debt faster, build wealth, and create a legacy for their families.
Who We Are
Originally founded in Port Washington, NY, in 1949 with 11 members and $55 in total assets, FAIRWINDS has more than $4.7 billion in assets. As a not-for-profit financial institution, we don’t have stockholders—our focus is on you. All our earnings come back to you through better rates, cutting-edge technology, and financial solutions that truly serve your best interests.
FAIRWINDS is headquartered in Orlando, Florida, serving members around the world with innovative and secure personal and commercial financial services, including deposits and loans, wealth management, retirement planning, treasury services, merchant services, and more.
Living Our Mission
We take great pride in providing consistent, exceptional experiences and world-class service by living and delivering on The FAIRWINDS Way, our three service principles.
We Are Committed to Financial Freedom
The journey to Financial Freedom is different for everyone, and we are here to support all financial freedom seekers every step of the way.
Our Members
- Best-in-market for short-term auto loans to help you eliminate debt.
- Best-in-market Emergency Savings rate to build savings quickly.
- More than 1/3 of members are actively working their plan to achieve financial freedom.
Our Crewmembers
- 100% of crewmembers know where they are on the financial freedom journey.
- 88% are fully prepared for emergencies.
- 58% are paying down debt while 24% are debt-free, except mortgage.
Our Community
- $2 million granted toward financial literacy efforts in the past six years.
- $500,000 granted in 2025 through the FAIRWINDS Foundation to organizations including Junior Achievement, Habitat for Humanity, Prospera USA, United Against Poverty, and more.
We Lead with a Servant’s Heart
To serve is an honor. Every FAIRWINDS crewmember embodies the spirit of leading with a servant’s heart.
Our Members
- 2025 America's Best Credit Unions by Newsweek
- 2024 Best-in-State Credit Union by Forbes
- Customer satisfaction score almost triple the banking industry average
Our Crewmembers
- 2024 Best Credit Unions to Work for – American Banker
- 2024 Best Places to Work – Orlando Business Journal
- Average crewmember tenure 8.4 years
Our Community
- More than 700 hours of crewmember volunteer hours in 2024
- $150,000 raised in 2024 annual Giving Campaign
- 8th Most Philanthropic organization by the Orlando Business Journal
We Make it Easy to Do Business
When it comes to serving you, not only do we ensure that FAIRWINDS is a safe, sound, and trusted financial institution, we are dedicated to make every experience and interaction with you as easy as possible.
For You
- Secure mobile app and online banking
- Zelle® to send and receive money fast
- Apple Pay™ and Google Pay™
- Debit Card round-up programs to save more and pay down loans
For Your Business
- Merchant services
- Fraud detection
- Payroll services
- Business Baking Advisors
In-Person
- Full-service branch locations
- ATM Network
- Financial Advisors
Join Us on Our Mission to Change Lives
Become a Member
Find a Career
