Fairwinds Credit Union

Profile narrative

Fairwinds Credit Union is a member-owned, not-for-profit financial cooperative headquartered in Orlando, Florida, serving individuals and businesses primarily across Central Florida. Chartered in 1949 as the Martin Company Federal Credit Union, it originally served employees of the Martin Marietta Corporation before expanding its field of membership to include multiple employer groups, associations, and geographic communities. Today it operates under a state charter as Fairwinds Credit Union and provides a full suite of consumer and commercial financial products, including checking and savings accounts, certificates of deposit, mortgage and home equity loans, auto and personal loans, credit cards, and digital banking services. The credit union is federally insured by the National Credit Union Administration and participates in the shared branching and surcharge-free ATM networks that extend its service reach beyond its physical branch footprint.

As of the most recent public financial filings, Fairwinds holds assets in excess of $3 billion and serves more than 200,000 members through a network of over 20 branch locations concentrated in the Orlando metropolitan area and surrounding counties. Its scale positions it among the larger credit unions in Florida, and it maintains a community-focused mission that emphasizes financial education, member returns through competitive rates and lower fees, and reinvestment in local initiatives. Governance follows the standard credit union model: a volunteer board of directors elected by the membership, with each member holding one vote regardless of account balance. The organization is not a subsidiary of any bank or holding company and operates independently under the regulatory oversight of the Florida Office of Financial Regulation and the NCUA.

In November 2025, Fairwinds disclosed that a third-party vendor had experienced a data breach exposing personally identifiable information and financial data belonging to an unspecified number of its members, including names, Social Security numbers, account details, and driver's license numbers. The credit union learned of the incident through vendor notification, promptly terminated the relationship, engaged forensic investigators, notified affected individuals, and offered complimentary identity and credit monitoring services. The event was reported to state regulators and prompted a class-action investigation by outside counsel, underscoring the operational risk inherent in vendor management for mid-sized financial institutions.

Incidents

1 incident linked to this organisation.