The FAIRWINDS Credit Union is a personal credit card from FAIRWINDS Credit Union. Application typically pulls a hard report from Equifax. The annual fee is $95. The ongoing APR is 18.00% (rates accurate as of Oct 13, 2026) after a No intro APR introductory rate. Signup bonus: 60,000 bonus points after $5,000 spent within 3 months of account opening ($900 travel value). Rewards: 5X points per $1 on travel and theme park tickets, 3X points per $1 on dining, 2X points per $1 on all other purchases. This product reports activity to your personal credit report.