What are the current interest rates at Cy-Fair Federal Credit Union?

Current rates for Cy-Fair Federal Credit Union include: 12-Month CD: 3.45%, 24-Month CD: 3.50%, 60-Month CD: 3.80%, Savings: 0.02%, MMA: 0.05%

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Credit Unions›
Cy-Fair Federal Credit Union

iAdvertiser Disclosure

Cy-Fair Federal Credit Union Rates & Review September 2026

Q: Is a member application needed to join Cy-Fair Federal Credit Union?

Yes, to access services at Cy-Fair Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cy-Fair Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

Cy-Fair Federal Credit Union's 60 Month IRA CD rates are at 4.00%, 60 Month CD rates are at 4.00%, 60 Month IRA CD rates are at 3.95%, 60 Month CD rates are at 3.95%, 48 Month IRA CD rates are at 3.90%. Cy-Fair Federal Credit Union's savings rates are at 0.02%. Cy-Fair Federal Credit Union's money market rates are at 0.05%. Cy-Fair Federal Credit Union's Personal Loan Rates are as low as 10.00%. MonitorBankRates evaluates the financial stability of Cy-Fair Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.18%. Rates last updated and verified on 09/21/2026.

Cy-Fair Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Cy-Fair Federal Credit Union? Share your experience about Cy-Fair Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Cy-Fair Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.18%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Cy-Fair Federal Credit Union
Corporate Office

9601 Jones Rd
Houston, TX 77065

https://www.cyfairfcu.org

Cy-Fair Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month IRA Share Certificate	3.94%	4.00%	60 months
Min Balance $500,000 Details Balance: $500,000.01 or greater Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
60 Month Share Certificate	3.94%	4.00%	60 months
Min Balance $500,000 Details Balance: $500,000.01 or greater Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
60 Month IRA Share Certificate	3.89%	3.95%	60 months
Min Balance $100,000 Details Balance: $100,000.01 - $500,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
60 Month Share Certificate	3.89%	3.95%	60 months
Min Balance $100,000 Details Balance: $100,000.01 - $500,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
48 Month IRA Share Certificate	3.84%	3.90%	48 months
Min Balance $500,000 Details Balance: $500,000.01 or greater Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
48 Month Share Certificate	3.84%	3.90%	48 months
Min Balance $500,000 Details Balance: $500,000.01 or greater Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
60 Month IRA Share Certificate	3.84%	3.90%	60 months
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
60 Month Share Certificate	3.84%	3.90%	60 months
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
36 Month IRA Share Certificate	3.79%	3.85%	36 months
Min Balance $500,000 Details Balance: $500,000.01 or greater Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
36 Month Share Certificate	3.79%	3.85%	36 months
Min Balance $500,000 Details Balance: $500,000.01 or greater Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
48 Month IRA Share Certificate	3.79%	3.85%	48 months
Min Balance $100,000 Details Balance: $100,000.01 - $500,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
48 Month Share Certificate	3.79%	3.85%	48 months
Min Balance $100,000 Details Balance: $100,000.01 - $500,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
60 Month IRA Share Certificate	3.79%	3.85%	60 months
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
60 Month Share Certificate	3.79%	3.85%	60 months
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
48 Month IRA Share Certificate	3.74%	3.80%	48 months
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
48 Month Share Certificate	3.74%	3.80%	48 months
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
60 Month IRA Share Certificate	3.74%	3.80%	60 months
Min Balance $1,000 Details Balance: $1,000.00 - $25,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
60 Month Share Certificate	3.74%	3.80%	60 months
Min Balance $1,000 Details Balance: $1,000.00 - $25,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
24 Month IRA Share Certificate	3.69%	3.75%	24 months
Min Balance $500,000 Details Balance: $500,000.01 or greater Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
24 Month Share Certificate	3.69%	3.75%	24 months
Min Balance $500,000 Details Balance: $500,000.01 or greater Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
36 Month IRA Share Certificate	3.69%	3.75%	36 months
Min Balance $100,000 Details Balance: $100,000.01 - $500,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
36 Month Share Certificate	3.69%	3.75%	36 months
Min Balance $100,000 Details Balance: $100,000.01 - $500,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
48 Month IRA Share Certificate	3.69%	3.75%	48 months
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
48 Month Share Certificate	3.69%	3.75%	48 months
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
36 Month IRA Share Certificate	3.64%	3.70%	36 months
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
36 Month Share Certificate	3.64%	3.70%	36 months
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
48 Month IRA Share Certificate	3.64%	3.70%	48 months
Min Balance $1,000 Details Balance: $1,000.00 - $25,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
48 Month Share Certificate	3.64%	3.70%	48 months
Min Balance $1,000 Details Balance: $1,000.00 - $25,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
12 Month IRA Share Certificate	3.59%	3.65%	12 months
Min Balance $500,000 Details Balance: $500,000.01 or greater Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
12 Month Share Certificate	3.59%	3.65%	12 months
Min Balance $500,000 Details Balance: $500,000.01 or greater Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
24 Month IRA Share Certificate	3.59%	3.65%	24 months
Min Balance $100,000 Details Balance: $100,000.01 - $500,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
24 Month Share Certificate	3.59%	3.65%	24 months
Min Balance $100,000 Details Balance: $100,000.01 - $500,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
36 Month IRA Share Certificate	3.59%	3.65%	36 months
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
36 Month Share Certificate	3.59%	3.65%	36 months
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
12 Month IRA Share Certificate	3.54%	3.60%	12 months
Min Balance $100,000 Details Balance: $100,000.01 - $500,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
12 Month Share Certificate	3.54%	3.60%	12 months
Min Balance $100,000 Details Balance: $100,000.01 - $500,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
24 Month IRA Share Certificate	3.54%	3.60%	24 months
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
24 Month Share Certificate	3.54%	3.60%	24 months
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
36 Month IRA Share Certificate	3.54%	3.60%	36 months
Min Balance $1,000 Details Balance: $1,000.00 - $25,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
36 Month Share Certificate	3.54%	3.60%	36 months
Min Balance $1,000 Details Balance: $1,000.00 - $25,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
6 Month IRA Share Certificate	3.54%	3.60%	6 months
Min Balance $500,000 Details Balance: $500,000.01 or greater Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
6 Month Share Certificate	3.54%	3.60%	6 months
Min Balance $500,000 Details Balance: $500,000.01 or greater Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
12 Month IRA Share Certificate	3.49%	3.55%	12 months
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
12 Month Share Certificate	3.49%	3.55%	12 months
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
24 Month IRA Share Certificate	3.49%	3.55%	24 months
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
24 Month Share Certificate	3.49%	3.55%	24 months
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
6 Month IRA Share Certificate	3.49%	3.55%	6 months
Min Balance $100,000 Details Balance: $100,000.01 - $500,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
6 Month Share Certificate	3.49%	3.55%	6 months
Min Balance $100,000 Details Balance: $100,000.01 - $500,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
12 Month IRA Share Certificate	3.44%	3.50%	12 months
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
12 Month Share Certificate	3.44%	3.50%	12 months
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
24 Month IRA Share Certificate	3.44%	3.50%	24 months
Min Balance $1,000 Details Balance: $1,000.00 - $25,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
24 Month Share Certificate	3.44%	3.50%	24 months
Min Balance $1,000 Details Balance: $1,000.00 - $25,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
6 Month IRA Share Certificate	3.44%	3.50%	6 months
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
6 Month Share Certificate	3.44%	3.50%	6 months
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
12 Month IRA Share Certificate	3.39%	3.45%	12 months
Min Balance $1,000 Details Balance: $1,000.00 - $25,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
12 Month Share Certificate	3.39%	3.45%	12 months
Min Balance $1,000 Details Balance: $1,000.00 - $25,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
6 Month IRA Share Certificate	3.39%	3.45%	6 months
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
6 Month Share Certificate	3.39%	3.45%	6 months
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
6 Month IRA Share Certificate	3.34%	3.40%	6 months
Min Balance $1,000 Details Balance: $1,000.00 - $25,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
6 Month Share Certificate	3.34%	3.40%	6 months
Min Balance $1,000 Details Balance: $1,000.00 - $25,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%

Cy-Fair Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Club Savings	0.02%	0.02%
Min Balance $50 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
IRA Savings	0.02%	0.02%
Min Balance $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Regular Savings	0.02%	0.02%
Min Balance $1,000 Details Balance: $1,000.00 - $25,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Regular Savings	0.02%	0.02%
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Regular Savings	0.02%	0.02%
Min Balance $50,000 Details Balance: $50,000.01 or greater Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
SuperStar Savers Kids Club+	0.02%	0.02%
Min Balance $25 Details Balance: $25.00 - $25,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
SuperStar Savers Kids Club+	0.02%	0.02%
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
SuperStar Savers Kids Club+	0.02%	0.02%
Min Balance $50 Details Balance: $50.00.01 or greater Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%

Cy-Fair Federal Credit Union Money Market Rates

Product	Rate	APY
Onyx Money Market	3.40%	3.45%
Min Balance $500,000 Details Balance: Over $500,000.01 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Tandem Advantage Money Market	2.90%	2.95%
Min Balance $500,000 Details Balance: Over $500,000.01 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Tandem Advantage Money Market	2.72%	2.76%
Min Balance $100,000 Details Balance: $100,000.01 - $500,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Tandem Advantage Money Market	2.57%	2.61%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Onyx Money Market	1.00%	1.00%
Min Balance $100,000 Details Balance: $100,000.01 - $500,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Advantage Money Market	0.75%	0.75%
Min Balance $100,000 Details Balance: $100,000.01 - $500,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Advantage Money Market	0.65%	0.65%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Tandem Advantage Money Market	0.60%	0.60%
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Advantage Money Market	0.50%	0.50%
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Advantage Money Market	0.50%	0.50%
Min Balance $500,000 Details Balance: Over $500,000.01 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Business Money Market	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.00; Balance: $25,000.00 - $49,999.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Business Money Market	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.00; Balance: $50,000.00 - $99,999.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Business Money Market	0.15%	0.15%
Min Balance $100,000 Details Balance: $100,000 and greater Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Business Money Market	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.00; Balance: $10,000.00 - $24,999.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Advantage Money Market	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000.00 - $25,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Business Money Market	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.00; Balance: $2,500.00 - $9,999.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Tandem Advantage Money Market	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000.00 - $25,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%

Cy-Fair Federal Credit Union Checking Rates

Product	Rate	APY
Z-Checking	4.90%	5.01%
Min Balance $0 Details Qualifications Required: 4.90% Dividend Rate; 5.01% APY on balances up to $25,000.00; Balance: $0.01 - $25,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Z-Checking	0.50%	0.50%
Min Balance $25,000 Details Qualifications Required: 0.50% Dividend Rate; 0.50% APY on balances above $25,000.00; Balance: remaining balance above $25,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Business Premier Checking	0.15%	0.15%
Min Balance $0 Details Balance: $.01 - $29,999.00* Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Business Premier Checking	0.05%	0.05%
Min Balance $30,000 Details Balance: $30,000.00 and greater +; Balance: $30,000.00 and greater + Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Eclipse Checking	0.02%	0.02%
Min Balance $2,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Z-Checking	0.01%	0.01%
Min Balance $0 Details Qualifications NOT Met Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%

Cy-Fair Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New & Used Auto	-	-	4.25%	36 to 84 Months
Details As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%

Cy-Fair Federal Credit Union Personal Loan Rates

Product	APR	Term
Lifestyle Signature Loans	10.00%	Up To 60 Months
Details As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Signature Loan	10.99%	Up To 60 Months
Details As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Cy-Fair Federal Credit Union’s Texas Ratio rose from 1.16% in Q2 2023 to 6.18% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$387M	6.18%	5.0	A
December 31, 2025	$384M	7.76%	5.0	A
September 30, 2025	$376M	4.67%	5.0	A+
June 30, 2025	$369M	5.42%	5.0	A+
March 31, 2025	$373M	4.75%	5.0	A+
December 31, 2024	$362M	5.31%	5.0	A+
September 30, 2024	$357M	5.64%	5.0	A+
June 30, 2024	$345M	3.68%	5.0	A+
March 31, 2024	$340M	5.10%	5.0	A+
December 31, 2023	$336M	2.15%	5.0	A+
September 30, 2023	$333M	1.59%	5.0	A+
June 30, 2023	$334M	1.16%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Cy-Fair Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Cy-Fair Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Cy-Fair Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Cy-Fair Federal Credit Union

Website https://www.cyfairfcu.org

Address 9601 Jones Rd, Houston, TX 77065

Phone 281-571-5000

Fax 281-955-3100

President Harold Rowe

CEO Cameron Dickey

Full-Time Employees 73

Part-Time Employees 10

Branch Locations 6

ATM Locations 6

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.18%

Return on Assets (ROA)

0.3740%

Return on Equity (ROE)

4.1067%

Non-Performing Loans Ratio (NPL)

0.97%

Total Assets

387,251,747

Total Amount of Shares and Deposits

350,978,088

Total Shares and Deposits < 1 Year

331,850,234

Total Shares and Deposits 1 3 Years

17,973,267

Total Shares and Deposits > 3 Years

1,154,588

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

11,849,846

Total Uninsured Shares and Deposits > $250K (F+J)

11,849,846

Total Insured Shares and Deposits > $250K (item 17 less item K)

339,128,242

Total Interest Expense (Sum of items 6 8)

1,208,398

Share Certificates

1,395

Number of Accounts for Share Drafts

14,165

IRA KEOGH Accounts

434

Number of Accounts for Regular Shares

27,658

Non Member Deposits

Money Market Shares

886

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

28,913,916

Total Liabilities

355,340,612

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Cy-Fair Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/cy-fair-federal-credit-union-rates-review-11452">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Cy-Fair Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Cy-Fair Federal Credit Union

Frequently Asked Questions About Cy-Fair Federal Credit Union

How many branches does Cy-Fair Federal Credit Union operate?

Cy-Fair Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Cy-Fair Federal Credit Union?

Yes, to access services at Cy-Fair Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Cy-Fair Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cy-Fair Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Cy-Fair Federal Credit Union offer online and mobile banking?

Most modern institutions like Cy-Fair Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cyfairfcu.org.

Current Cy-Fair Federal Credit Union Rates

12-Month CD3.45%
24-Month CD3.50%
60-Month CD3.80%
Savings0.02%
MMA0.05%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Cy-Fair Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Cy-Fair Federal Credit Union Texas Ratio

Cy-Fair Federal Credit Union Health Trend

Cy-Fair Federal Credit Union CD Rates

Cy-Fair Federal Credit Union Savings Rates

Cy-Fair Federal Credit Union Money Market Rates

Cy-Fair Federal Credit Union Checking Rates

Cy-Fair Federal Credit Union Auto Loan Rates

Cy-Fair Federal Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Cy-Fair Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Cy-Fair Federal Credit Union

How many branches does Cy-Fair Federal Credit Union operate?

Is a member application needed to join Cy-Fair Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Cy-Fair Federal Credit Union offer online and mobile banking?

Current Cy-Fair Federal Credit Union Rates

Compare to Other Credit Unions