Your financial journey continues here.

Inspired by Dave Ramsey's long-standing money advice, we're offering an exclusive high-APY1 Save Smart Savings and Spend Smart Checking to help you take control of your finances.
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High-APY Savings

5.00% APY1 on your first $1,000 and 3.00% APY on everything else up to $100,000.

Free Nationwide Access

Tap into over 33,000 fee-free ATMs and 5,000 partner branches nationwide.

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Get Paid Early

Get paid up to two days early with direct deposit2.

Time To Get Smart About Your Money

Our high-APY savings account comes with a checking account with no monthly service charge, no minimum balance requirement, and no hidden fees. It's all about helping you see your money clearly, keeping you on budget, and telling your money where to go instead of wondering where it went.

Save Smart Savings

  • High-APY savings that pays 5.00% APY on the first $1,000 and 3.00% APY on everything else up to $100,000.

  • No monthly service charge and no minimum balance requirement.

  • Your deposits are insured by NCUA.

Spend Smart Checking

  • Get paid up to two days early with direct deposit.

  • Easily send money to friends, family, and others you trust with Zelle®3

  • Access to over 33,000 ATMs and 5,000 branches nationwide for free.

  • Incoming domestic wire fee is rebated.

"Go Bold" debit card design.

Go Bold Debit Card

Have the freedom and control to access your cash whenever and wherever you need it, all while staying on track with your financial goals. With our Go Bold debit card, you'll receive access to over 33,000 ATMs for free and receive up to $10 in monthly refunds whenever accessing out-of-network ATMs. And — for when you need to go cashless — you can make purchases securely by adding your card to your mobile wallet or by using tap-to-pay.

Everywhere You Are

We’ve got your back no matter where life takes you. Along with our top-notch digital banking, you can access your money in person across all 50 states. Tap into over 33,000 fee-free ATMs, receive up to $10 in monthly refunds whenever accessing out-of-network ATMs, or connect with our nationwide credit union partners at over 5,000 branch locations. We make banking simple, so you can manage your money anytime, anywhere!

View Locations

Approximate locations of ATM, Branch, and Partner Branches through the United States.

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Accounts Designed Exclusively for You

For decades, Dave Ramsey has helped his listeners take control of their finances with his life changing advice on The Ramsey Show. We’ve combined his smart money approach with our over 75 years of experience in financial freedom to bring new members a package of exclusive checking and savings accounts designed to help you manage your money — so your money doesn’t manage you.

Financial Freedom seekers welcome.

If you value financial freedom, we welcome you to join us, wherever you are.

The technology and convenience you expect.

Stay connected to your finances anytime, anywhere with a suite of technology services and features. From sending and receiving money with Zelle®3 to mobile check deposit, debit card management and account alerts — we simplify how you use your money online.

Send Money in Minutes

Zelle® allows you to quickly send money to those you know and trust without sharing account numbers.4

Deposit Checks in a Snap

Deposit your check without waiting in line with our easy to use mobile app. Simply take a picture of the front and back of your check and it will be added to your account.

Stay Aware of Account Activity

Enjoy the peace of mind that comes with knowing exactly what's happening with your account by setting up customizable alerts sent directly to your phone.

Get Paid Early

Access your eligible direct deposits up to two days early — including paychecks, tax refunds, pensions, and more.

Member Stories

See what our members are saying.
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“In May of 2018, I graduated college and embarked on a journey to pay off my car (~$8,000) and student loan debt (~$19,000). I am very grateful that as of this past 2021 I have officially paid off both. My husband and I are now ready to buy our first home and we are super happy to have this financial freedom to do so as we prepare to grow our family!”

Elizabeth S.
Sarasota, FL
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“We started an emergency savings account back in April and we have saved over $1,000!”

Italis
Sanford, FL
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“In June 2020, I embarked on a journey to tackle my $21K in student loan debt, due to the pandemic forbearance. I was able to pay off and save the entire $21K in 11 months to conquer my student loan debt! It took a lot of sacrifice and hard work, and now I have increased investing and savings!”

Niqua
Orlando, FL

Have Questions?

For more assistance call (888) 626-2507.

FAIRWINDS: For 75 Years...Financial Freedom happens here.Financial Freedom happens here.®

Footnotes

    1. Annual Percentage Yield. This rate is variable and may change without notice. Fees may reduce earnings. APY shown is effective as of 04/01/25.

    2. FAIRWINDS offers Early Direct Deposit to members who set up direct deposit with their employer or payor, allowing access to funds up to two business days before your scheduled pay date. Early access for all direct deposits is not guaranteed and may not be consistently available. The timing of when these transactions are credited depends on when the employer or payor submits the information to us. Not all direct deposits qualify; direct deposits are limited to electronic deposits such as payroll, pensions, and government benefits through the ACH network. We reserve the right to determine whether certain deposit amounts, deposit types, or member accounts are excluded from the service. If funds are made available early but not collected, you are liable to repay them, and overdraft fees apply. FAIRWINDS may modify or terminate Early Direct Deposit at any time without notice to you.

    3. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.

    4. U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes.

    Routing Number ⑆ 263181368