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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

Looking at 229 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for being exceptionally helpful, friendly, and professional, often going above and beyond. The customer service is frequently highlighted as excellent, with many appreciating quick responses and a personalized approach. People find the overall service easy to use, noting smooth account setup, efficient transactions, and user-friendly online banking. However, some customers noted issues with unexpected overdraft fees and how transactions were processed. Others experienced challenges with the mobile app, certain website features, or reaching support for specific account issues.

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 4 out of 5 stars

Fairwinds offers a variety of helpful…

Fairwinds offers a variety of helpful services including zelle. I have also enjoyed my experience with having our mortgage through the you, the interest rate was much lower than the mortgage lenders and it was not cumbersome going through the underwriting process.

20 April 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

Thank you for sharing your positive experience! We're glad you enjoyed you our services. It's great to hear that you benefited from a lower interest rate and a smooth mortgage process.

Rated 5 out of 5 stars

Always a very good experience when I…

Always a very good experience when I have had to visit the Fairwinds office on Grant and Semoran, in Orlando, Fl.

18 November 2025
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Reply from FAIRWINDS Credit Union

We're happy to hear that your visits to our office have been a good experience. Thank you for your positive feedback.

Rated 5 out of 5 stars

Customer service

Customer service

11 April 2026
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Reply from FAIRWINDS Credit Union

Thank you for your review! We appreciate your recognition of our team's efforts.

Rated 5 out of 5 stars

Staff at the branch are excellent and…

Staff at the branch are excellent and taking care of any issue in a timely manner

2 April 2026
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Reply from FAIRWINDS Credit Union

Thank you for your positive feedback! We are delighted to hear that our team provided excellent and timely service.

Rated 5 out of 5 stars

Quick and easy and no extra charge to…

Quick and easy and no extra charge to open a second savings account. Thank you

17 April 2026
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Reply from FAIRWINDS Credit Union

Thank you for your feedback! It is nice to hear that opening a second savings account was quick and easy.

Rated 5 out of 5 stars

Fairwinds service & team members are great!

Knowledge, experienced & courteous team members. Every time you go to a branch you feel welcomed by everyone!

13 April 2026
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Reply from FAIRWINDS Credit Union

We appreciate you taking the time to share your positive experience with our team. It's nice to hear that you feel welcomed and valued by our knowledgeable team members.

Rated 5 out of 5 stars

I skeptical at first dealing with a…

I was skeptical at first dealing with a credit union no where near me or that I could just walk into, but I am sure glad I did! There high yield interest saving accounts are like none other I have had any experience, (way better then the banks) and the customer support is real people that answer the phone and are very knowledgeable and always helpful.

16 April 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

We're happy to hear that your experience with our savings accounts and support has been positive. It's great to know that our team's knowledge and accessibility have been beneficial to you. Thank you for sharing your experience!

Rated 5 out of 5 stars

You Need to Use This Credit Union

The support, the people, the options, the feeling like you're not just a number, and they're not just there to get you into more debt, but help you win in life.

Only thing that would be awesome to have in addition is dark mode in the mobile app!

17 April 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

Thank you for taking the time to share this with us. We are glad that the support and options available have made a meaningful difference for you. We also appreciate you sharing the dark mode suggestion for the mobile app. We look forward to continuing to serve you.

Rated 5 out of 5 stars

Member since 1997

I've been a members since 1997 I've never had any awful issues with fairwinds Credit Union, they always treated me with the red carpet vibes ~...

1 April 2026
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Reply from FAIRWINDS Credit Union

We appreciate your loyalty and trust throughout all these years! We are happy to hear that you've consistently experienced excellent service from our team. Thank you for sharing your positive feedback.

Rated 5 out of 5 stars

Simple website to navigate.

Simple website to navigate.
Always a great visit to the branch.

25 March 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

We're happy to hear that our website is easy to use and that you enjoy visiting our branch. Thank you for your positive feedback!

Rated 5 out of 5 stars

Customer service is great

Customer service is great! I have been with FCU for years and am happy with them. They helped me save so that I could buy my first home.

17 April 2026
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Reply from FAIRWINDS Credit Union

We're happy to hear that our service has been great for you over the years. We appreciate you being a member and are glad we could help you buy your first home!

Rated 2 out of 5 stars

Numerous amount amounts of fraud

Two of my family members and myself have been victims of fraud, through our savings and checking accounts. Even my business Fairwinds account was affected. I have not experienced this extent of fraud with any other banking institution or credit cards.

9 April 2026
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Reply from FAIRWINDS Credit Union

Thank you for bringing your concerns to our attention. A manager has been in contact with you to ensure that you and your family have the support you need. Security concerns across multiple accounts can be incredibly stressful, and we don't take that lightly. We thank you for the opportunity to speak with you and assure you that we are always here to help.

Rated 5 out of 5 stars
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

We appreciate you taking the time to share your positive experience. We are glad to hear that we consistently meet your expectations.

Rated 5 out of 5 stars

Love Fairwinds

They respond to messages quickly. There aren't long waits for phone support. The tellers are kind. I've been a member since 2011 and have enjoyed the consistently good customer service. I also love the app. It is functional and gives me the ability to easily bank from my phone.

17 April 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

We're happy to hear that you've consistently enjoyed our service since 2011. It's great to know you appreciate our quick response times and kind tellers. We're also glad the app helps you easily bank from your phone. Thank you for your feedback!

Rated 5 out of 5 stars
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

Thank you for taking the time to share your experience! We're delighted you found our crew approachable and helpful.

Rated 5 out of 5 stars

Convenience

Convenience, Welcoming, Willingness to assist, Friendly

17 April 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

We are happy to hear that you found our team welcoming and helpful. Thank you for your feedback!

Rated 5 out of 5 stars

Everything is great

17 April 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

Thank you for your review! Serving you and providing you with an exceptional experience is at the heart of everything we do.

Rated 5 out of 5 stars

For customer service that can’t be beat!

For customer service, FAIRWINDS knocks any bank out of the ballpark that I’ve ever dealt with!
I’m a Dave Ramsey fan and I tried the Dave Ramsey package and couldn’t recommend it more!
I was so tired of trying to reach my local bank if I had a question about anything and getting stuck in some AI loop from hell that isn’t banking and that isn’t customer service.
Real people who really help!!
Grow your money with FAIRWINDS!

1 October 2025
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

Real, caring service is at the heart of everything our crew does, and we love hearing it made such an impact. We are also thrilled that the Smart Bundle is working for you. Our partnership with Ramsey Solutions reflects a shared belief in intentional money decisions and Financial Freedom, and we are honored to support you on that journey. Thank you for spreading the word!

Rated 5 out of 5 stars

Never had any issues

Never had any issues, haven’t dealt with people in a very long time

17 April 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

We appreciate your feedback and are glad you haven't encountered any problems. We are always here to help if you need us!

Rated 5 out of 5 stars

Always excellent service and willing to…

Always excellent service and willing to answer and help all the time.

17 April 2026
FAIRWINDS Credit Union logo

Reply from FAIRWINDS Credit Union

We are happy to hear that you consistently receive excellent support. Thank you for taking the time to leave us this positive feedback.

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