FAIRWINDS Credit Union (www.fairwinds.org) has a 4.2 out of 5 rating on OK.one, based on 67 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 78% of reviews are 4 stars or higher and 15% are 1 star; The business has replied to 100% of negative reviews. Last updated 2026-08-10.
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!
Reply from FAIRWINDS Credit Union2026-05-07
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 started using Fairwinds because of Dave Ramsey and had just started a high yield savings with a different bank. The banking app I was using was going through some changes that required I find a new bank for a while when I saw Fairwinds on the Ramsey show. Everything that I use functions great BUT I find the budget portion of your website very hard to use and I can't get it work fine tune to match my monthly budget. That is really the only reason I do not give 5 stars. What I would LOVE to see is Fairwinds partner with Qube+ Money to streamline their upcoming Qube Checking portion of their service. That one partnership would cause me to give 10 stars and refer everyone I know :)
Reply from FAIRWINDS Credit Union2026-04-30
Thank you for taking the time to share your your experience. A manager has attempted to contact you via phone to discuss your feedback. Please feel free to return their call at your earliest convenience. We appreciate your recommendations and are always here to talk through any remaining concerns.
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James · 1 review · Verified · Experienced 2026-04-22 ·
★★★★★
Customer service great
Customer service great. Options excellent. Using card has been a challange for NO REASONS yall can explain . We buy $100’s from one store and use at a Dollar store and decline charges. Used at another store , declined. Yall claim vendors machines? Nope. I couldn’t use at a Publix using iPhone, Apple Watch , then went to car to get physical card. Tap didn’t work. Swiped worked? Same at Costco , tapping not working but insert did. Simply put all options should work without issue and we’re tired of the excuses. Never had issues with other CU but their service was terrible. Yall are kinda opposite. Please fix and maybe we can keep yall and keep referring in our Financial Peace classes we teach all year.
Reply from FAIRWINDS Credit Union2026-04-30
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 your card being declined. A manager has attempted to contact you via phone to better understand what occurred and assist in resolving this matter. Please feel free to reply to their call at your earliest convenience. Thank you for sharing your feedback, as it helps us improve communication and better serve our members.
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Lori · 1 review · Verified · Experienced 2026-04-25 ·
★★★★★
I love the high yield savings account
I love the high yield savings account. Before finding FAIRWINDS, I looked at all my local banks and credit unions and none of them offered that kind of return without locking your money up for a year or more. I wanted somewhere to park my savings where it would have good growth and still be accessible without penalties or maintenance fees. I also love how easy and convenient it is to open the account and to transfer funds between my financial institutions.
Reply from FAIRWINDS Credit Union2026-04-27
Thank you for sharing your experience! From opening your account to moving money between institutions, we aim to make every step as smooth as possible while delivering a savings experience that genuinely supports your financial goals. We look forward to continuing to serve you.
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Elizabeth · 2 reviews · Verified · Experienced 2026-04-24 ·
★★★★★
Easiest account set up ever!
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. Polite courteous friendly understanding helpful are just some of the words to describe everyone of the people that helped me. I highly recommend this company who has real live caring people and their website is also user friendly!
Reply from FAIRWINDS Credit Union2026-04-24
We are happy to hear that our crew's friendliness and willingness to help made a difference during your account setup. We are glad the experience, from our crew to our website, left such a positive impression. Thank you for recommending FAIRWINDS and for sharing your experience.
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 we made a purchase that normally would've "overdrafted", it just allowed us to pay what we had in the account instead, and we paid the remaining balance in cash. That is exactly what we want to happen! Thank you!
Reply from FAIRWINDS Credit Union2026-04-23
Thank you for sharing! We're pleased to hear that your account has been working just the way you need it to, from the international transaction benefits to the flexibility at checkout. We appreciate your trust in FAIRWINDS and look forward to continuing to serve you!
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 processed. If that wasn’t enough, the concierge service (feels that way) and follow ups the team offers is outstanding. Kudos!
Reply from FAIRWINDS Credit Union2026-04-10
We love to hear that the process of refinancing your auto loan was easy! Our crew strive to exceed our member's expectations and provide that "concierge service" you experienced. Thank you for the positive feedback.
