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Cyprus Federal Credit Union

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Cyprus Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Cyprus Federal Credit Union?

Current rates for Cyprus Federal Credit Union include: 12-Month CD: 4.05%, 18-Month CD: 4.10%, 24-Month CD: 4.45%, 60-Month CD: 4.50%, Savings: 5.00%, MMA: 4.00%

Q: What CD terms does Cyprus Federal Credit Union offer?

Cyprus Federal Credit Union CD rates are 4.05% APY for a 12 month CD, 4.10% APY for an 18 month CD, 4.45% APY for a 2 year CD, 4.40% APY for a 3 year CD, 4.45% APY for a 4 year CD and 4.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Cyprus Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Cyprus Federal Credit Union's 60 month CD (CD) rates are at 4.50%, 24 month CD (CD) rates are at 4.45%, 48 month CD (CD) rates are at 4.45%, 36 month CD (CD) rates are at 4.40%, 18 month CD (CD) rates are at 4.10%. Cyprus Federal Credit Union's savings rates are at 5.00%. Cyprus Federal Credit Union's money market rates are at 4.00%. Cyprus Federal Credit Union's checking rates are as high as 0.20%. Cyprus Federal Credit Union's Short & Sweet Mortgage rates are at 6.88%, Short & Sweet Mortgage - First Tier 10 Year rates are at 6.88%, Short & Sweet Mortgage - First Tier 15 Year rates are at 7.12%. Cyprus Federal Credit Union's Personal Loan Rates are as low as 12.49%. Cyprus Federal Credit Union's Credit Card Rates are at 10.74%. Cyprus Federal Credit Union's CD rates are 49% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Cyprus Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.73%. Rates last updated and verified on 10/29/2026.

Cyprus 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 Cyprus Federal Credit Union? Share your experience about Cyprus Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Cyprus Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.73%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Cyprus Federal Credit Union
Jordan Landing

3876 W Center view Way
West Jordan, UT 84084

https://www.cypruscu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Cyprus Federal Credit Union CD Rates

Product	Rate	APY	Term
60 month Certificate (CD)	4.41%	4.50%	60 month
Min Deposit $500 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Oct 19, 20264.50%▲ from 4.30% Sep 25, 20264.30%▲ from 4.25% Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
24 month Certificate (CD)	4.362%	4.45%	24 month
Min Deposit $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.25% → 4.45% ▲ 0.20 pts · high 4.45% / low 4.25% Oct 19, 20264.45%▲ from 4.25% Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
48 month Certificate (CD)	4.362%	4.45%	48 month
Min Deposit $500 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 4.20% → 4.45% ▲ 0.25 pts · high 4.45% / low 4.20% Oct 19, 20264.45%▲ from 4.25% Sep 25, 20264.25%▲ from 4.20% Sep 14, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
36 month Certificate (CD)	4.314%	4.40%	36 month
Min Deposit $500 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 4.15% → 4.40% ▲ 0.25 pts · high 4.40% / low 4.15% Oct 19, 20264.40%▲ from 4.20% Sep 25, 20264.20%▲ from 4.15% Sep 14, 20264.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
18 month Certificate (CD)	4.025%	4.10%	18 month
Min Deposit $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05% Oct 19, 20264.10%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
12 month Certificate (CD)	3.977%	4.05%	12 month
Min Deposit $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95% Oct 19, 20264.05%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
6 month Certificate (CD)	3.928%	4.00%	6 month
Min Deposit $500 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90% Oct 19, 20264.00%▲ from 3.95% Sep 25, 20263.95%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%

Cyprus Federal Credit Union Savings Rates

Product	Rate	APY
Teen Learn & Earn Savings	4.889%	5.00%
Min Balance $0 Details Balance: $0.00 to $1,000.00; Qualifying balance up to $1,000.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
IRA Shares	1.982%	2.00%
Min Balance $50,000 Details Balance: $50,000.00 and over; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
IRA Shares	1.539%	1.55%
Min Balance $25,000 Details Balance: $25,000.00 to $49,999.99; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.55% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
IRA Shares	1.094%	1.10%
Min Balance $10,000 Details Balance: $10,000.00 to $24,999.99; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 1.10% ▲ 0.10 pts · high 1.10% / low 1.00% Oct 19, 20261.10%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
IRA Shares	0.995%	1.00%
Min Balance $2,500 Details Balance: $2,500 to $9,999.99; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.90% → 1.00% ▲ 0.10 pts · high 1.00% / low 0.90% Oct 19, 20261.00%▲ from 0.90% Sep 14, 20260.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
IRA Shares	0.499%	0.50%
Min Balance $0 Details Balance: $0.00 to $2,499.99; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 0.50% ▲ 0.45 pts · high 0.50% / low 0.05% Sep 25, 20260.50%▲ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Regular Share Savings	0.05%	0.05%
Min Balance $0 Details Balance: $0.00 and over Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%

Cyprus Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	3.735%	3.80%
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70% Oct 19, 20263.80%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Money Market	3.30%	3.35%
Min Balance $250,000 Details Balance: $250,000.00 to $499,999.99; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Money Market	3.30%	3.35%
Min Balance $500,000 Details Balance: $500,000.00 to $999,999.99; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Money Market	2.521%	2.55%
Min Balance $100,000 Details Balance: $100,000.00 to $249,999.99; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.55% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Money Market	1.982%	2.00%
Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Money Market	1.539%	1.55%
Min Balance $25,000 Details Balance: $25,000.00 to $49,999.99; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.55% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Money Market	1.094%	1.10%
Min Balance $10,000 Details Balance: $10,000.00 to $24,999.99; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 1.10% ▲ 0.10 pts · high 1.10% / low 1.00% Oct 19, 20261.10%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Money Market	0.995%	1.00%
Min Balance $2,500 Details Balance: $2,500 to $9,999.99; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 0.90% → 1.00% ▲ 0.10 pts · high 1.00% / low 0.90% Oct 19, 20261.00%▲ from 0.90% Sep 17, 20260.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Money Market	0.499%	0.50%
Min Balance $0 Details Balance: $0 to $2,499; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 0.05% → 0.50% ▲ 0.45 pts · high 0.50% / low 0.05% Sep 25, 20260.50%▲ from 0.05% Sep 17, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%

Cyprus Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Sweep Money Market	3.928%	4.00%
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Business Money Market	3.687%	3.75%
Min Balance $1,000,000 Details Balance $1,000,000.00; Balance: $1,000,000.00 and over; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Business Sweep Money Market	3.494%	3.55%
Min Balance $250,000 Details Balance: $250,000.00 to $499,999.99; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.55% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Business Sweep Money Market	3.494%	3.55%
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.00; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.55% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Business Growth Money Market	3.445%	3.50%
Min Balance $0 Details Balance: $0.00 - $4,999.99; APY Range: 3.50%; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Business Money Market	3.251%	3.30%
Min Balance $250,000 Details Balance $250,000.00; Balance: $250,000.00 to $499,999.99; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Business Money Market	3.251%	3.30%
Min Balance $500,000 Details Balance $500,000.00; Balance: $500,000.00 to $999,999.99; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Business Sweep Money Market	2.716%	2.75%
Min Balance $100,000 Details Balance: $100,000.00 to $249,999.99; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Business Money Market	2.472%	2.50%
Min Balance $100,000 Details Balance $100,000.00; Balance: $100,000.00 to $249,999.99; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Business Growth Money Market	-	2.38%
Min Balance $5,000 Details Balance: $5,000.00 - $19,999.99; APY Range: 2.38% - 3.50%; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.38% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Business Sweep Money Market	2.227%	2.25%
Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Business Money Market	1.982%	2.00%
Min Balance $50,000 Details Balance $50,000.00; Balance: $50,000.00 to $99,999.99; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Business Growth Money Market	-	1.85%
Min Balance $20,000 Details Balance: $20,000.00 - $49,999.99; APY Range: 1.85% - 2.38%; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.85% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Business Sweep Money Market	0.747%	0.75%
Min Balance $0 Details Balance: $0 to $49,999.99; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.70% → 0.75% ▲ 0.05 pts · high 0.75% / low 0.70% Sep 25, 20260.75%▲ from 0.70% Sep 14, 20260.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Business Growth Money Market	0.499%	0.50%
Min Balance $50,000 Details Balance: $50,000.00 and over; APY Range: 0.50% - 1.85%; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Business Money Market	0.499%	0.50%
Min Balance $0 Details Balance $0; Balance: $0 to $49,999.99; Declared, paid and compounded monthly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.45% → 0.50% ▲ 0.05 pts · high 0.50% / low 0.45% Sep 25, 20260.50%▲ from 0.45% Sep 14, 20260.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%

Cyprus Federal Credit Union Checking Rates

Product	Rate	APY
Choice Interest Checking	0.20%	0.20%
Min Deposit $50 Min Balance $100,000 Details Balance: $100,000.00 and over; $50.00 minimum to open checking; Monthly fee of $10 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Choice Interest Checking	0.15%	0.15%
Min Deposit $50 Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99; $50.00 minimum to open checking; Monthly fee of $10 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Basic Checking	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Choice Interest Checking	0.10%	0.10%
Min Deposit $50 Min Balance $0 Details Balance: $0.00 to $49,999.99; $50.00 minimum to open checking; Monthly fee of $10 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Dream Rewards Checking, Basic Checking, Fresh Start Checking	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Fresh Start Checking	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Basic Checking	0.05%	0.05%
Min Balance $0 Details Balance: $0 to $49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Dream Rewards Checking, Basic Checking, Fresh Start Checking	0.05%	0.05%
Min Balance $0 Details Balance: $0 to $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Fresh Start Checking	0.05%	0.05%
Min Balance $0 Details Balance: $0 to $49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Essential Checking	0.00%	0.00%
Min Deposit $50 Min Balance $0 Details Balance: $0.00 and over Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Non Profit Checking	0.00%	0.00%
Min Balance $0 Details Balance: $0.00 and over; Free Checking; No setup fees; No monthly fees; No check writing or deposit fees; Overdraft protection available Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%

Cyprus Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Short & Sweet Mortgage	6.875%	-	6.875%	10 Year
Details First Tier; Owner Occupied Refinance; Max LTV 80%; 680 Minimum FICO score; $400,000 Max LTV; Rates are subject to change Last Updated 10/29/2026 Rate History 5 changes since Sep 17, 2026 · 6.88% → 6.88% ▼ 0.00 pts · high 7.38% / low 6.88% Oct 29, 20266.88%▼ from 7.00% Oct 19, 20267.00%▼ from 7.25% Oct 9, 20267.25%▲ from 7.13% Oct 5, 20267.13%▼ from 7.38% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Short & Sweet Mortgage - First Tier 10 Year	6.875%	-	6.875%	10 Year
Details Owner Occupied Refinance; Max LTV 80%; 680 Minimum FICO score; $400,000 Max LTV; Rates are subject to change Last Updated 10/29/2026 Rate History 2 changes since Oct 13, 2026 · 7.25% → 6.88% ▼ 0.38 pts · high 7.25% / low 6.88% Oct 29, 20266.88%▼ from 7.00% Oct 19, 20267.00%▼ from 7.25% Oct 13, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Short & Sweet Mortgage	7.125%	-	7.125%	15 Year
Details First Tier; Owner Occupied Refinance; Max LTV 80%; 680 Minimum FICO score; $400,000 Max LTV; Rates are subject to change Last Updated 10/29/2026 Rate History 5 changes since Sep 17, 2026 · 7.13% → 7.13% ▼ 0.00 pts · high 7.63% / low 7.13% Oct 29, 20267.13%▼ from 7.25% Oct 19, 20267.25%▼ from 7.50% Oct 9, 20267.50%▲ from 7.38% Oct 5, 20267.38%▼ from 7.63% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Short & Sweet Mortgage - First Tier 15 Year	7.125%	-	7.125%	15 Year
Details Owner Occupied Refinance; Max LTV 80%; 680 Minimum FICO score; $400,000 Max LTV; Rates are subject to change Last Updated 10/29/2026 Rate History 2 changes since Oct 13, 2026 · 7.50% → 7.13% ▼ 0.38 pts · high 7.50% / low 7.13% Oct 29, 20267.13%▼ from 7.25% Oct 19, 20267.25%▼ from 7.50% Oct 13, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%

Cyprus Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	7.00%
Details As Low As; HELOC Default Rate; prime rate +0%; Prime rate based on WSJ prime on last day of month; Max rate 18%; Min rate 4% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 2, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%

Cyprus Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Cars and Trucks - Up to 60 months Loan	-	-	5.24%	Up to 60 months
Details As Low As; Vehicle Year 2017-2027; Advertised APR includes a 0.50% loan rate discount provided to those with a Dream Rewards Checking Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99% Oct 29, 20265.24%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
New & Used Cars and Trucks Loan	-	-	5.24%	Up to 60 months
Details As Low As; Vehicle Year: 2017-2027; Advertised APR includes 0.50% loan rate discount for Dream Rewards Checking Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99% Oct 5, 20265.24%▲ from 4.99% Sep 17, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
New & Used Cars and Trucks - 61 to 72 months Loan	-	-	5.49%	61 to 72 months
Details As Low As; Vehicle Year 2017-2027; Advertised APR includes a 0.50% loan rate discount provided to those with a Dream Rewards Checking Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24% Oct 29, 20265.49%▲ from 5.24% Sep 14, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
New & Used Cars and Trucks Loan	-	-	5.49%	61 to 72 months
Details As Low As; Vehicle Year: 2017-2027; Advertised APR includes 0.50% loan rate discount for Dream Rewards Checking Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24% Oct 5, 20265.49%▲ from 5.24% Sep 17, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
New & Used Cars and Trucks - 73 to 84 months Loan	-	-	6.24%	73 to 84 months
Details As Low As; Vehicle Year 2017-2027; Advertised APR includes a 0.50% loan rate discount provided to those with a Dream Rewards Checking Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99% Oct 29, 20266.24%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
New & Used Cars and Trucks Loan	-	-	6.24%	73 to 84 months
Details As Low As; Vehicle Year: 2017-2027; Advertised APR includes 0.50% loan rate discount for Dream Rewards Checking Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99% Oct 5, 20266.24%▲ from 5.99% Sep 17, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
2016 & Older Used Cars and Trucks - Up to 60 months Loan	-	-	6.49%	Up to 60 months
Details As Low As; Vehicle Year 2016 & Older; Advertised APR includes a 0.50% loan rate discount provided to those with a Dream Rewards Checking Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Oct 29, 20266.49%▲ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
2016 & Older Used Cars and Trucks Loan	-	-	6.49%	Up to 60 months
Details As Low As; Vehicle Year: 2016 & Older; Advertised APR includes a 0.50% loan rate discount provided to those with a Dream Rewards Checking Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Oct 5, 20266.49%▲ from 6.24% Sep 17, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
2016 & Older Used Cars and Trucks - 61 to 72 months Loan	-	-	6.74%	61 to 72 months
Details As Low As; Vehicle Year 2016 & Older; Advertised APR includes a 0.50% loan rate discount provided to those with a Dream Rewards Checking Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49% Oct 29, 20266.74%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
2016 & Older Used Cars and Trucks Loan	-	-	6.74%	61 to 72 months
Details As Low As; Vehicle Year: 2016 & Older; Advertised APR includes a 0.50% loan rate discount provided to those with a Dream Rewards Checking Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49% Oct 5, 20266.74%▲ from 6.49% Sep 17, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%

Cyprus Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
All RV's and All Motorcycles - Up to 60 months Loan	-	7.99%	Up to 60 months
Details As Low As; Vehicle Year 2017-2027; Advertised APR includes a 0.50% loan rate discount provided to those with a Dream Rewards Checking Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 8.49% → 7.99% ▼ 0.50 pts · high 8.49% / low 7.99% Oct 29, 20267.99%▼ from 8.49% Sep 14, 20268.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
All RV's and All Motorcycles Loan	-	7.99%	Up to 60 months
Details As Low As; Vehicle Year: 2017-2027; Advertised APR includes a 0.50% loan rate discount provided to those with a Dream Rewards Checking Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 7.74% → 7.99% ▲ 0.25 pts · high 7.99% / low 7.74% Oct 5, 20267.99%▲ from 7.74% Sep 14, 20267.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
All RV's and All Motorcycles - 61 to 144 Months Loan	-	8.24%	61 to 144 Months
Details As Low As; Vehicle Year 2017-2027; Advertised APR includes a 0.50% loan rate discount provided to those with a Dream Rewards Checking Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 8.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
All RV's and All Motorcycles Loan	-	8.24%	61 to 144 Months
Details As Low As; Vehicle Year: 2017-2027; Advertised APR includes a 0.50% loan rate discount provided to those with a Dream Rewards Checking Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 7.99% → 8.24% ▲ 0.25 pts · high 8.24% / low 7.99% Oct 5, 20268.24%▲ from 7.99% Sep 14, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
All RV's and All Motorcycles - 145 to 180 months Loan	-	8.49%	145 to 180 months
Details As Low As; Vehicle Year 2017-2027; Advertised APR includes a 0.50% loan rate discount provided to those with a Dream Rewards Checking Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
All RV's and All Motorcycles Loan	-	8.49%	145 to 180 months
Details As Low As; Vehicle Year: 2017-2027; Advertised APR includes a 0.50% loan rate discount provided to those with a Dream Rewards Checking Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 8.24% → 8.49% ▲ 0.25 pts · high 8.49% / low 8.24% Oct 5, 20268.49%▲ from 8.24% Sep 14, 20268.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
All RV's and All Motorcycles - RV Balloon Program Loan	-	8.74%	120 month
Details As Low As; RV Balloon Program: Vehicle Year 2017-2027; 240 month amortization; Loan Amounts: $50,000 - $200,000; Advertised APR includes a 0.50% loan rate discount provided to those with a Dream Rewards Checking Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
All RV's and All Motorcycles - Up to 60 months (2016 & Older) Loan	-	8.74%	Up to 60 months
Details As Low As; Vehicle Year 2016 & Older; Advertised APR includes a 0.50% loan rate discount provided to those with a Dream Rewards Checking Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 8.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
All RV's and All Motorcycles Loan	-	8.74%	Up to 60 months
Details As Low As; Vehicle Year: 2016 & Older; Advertised APR includes a 0.50% loan rate discount provided to those with a Dream Rewards Checking Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 7.74% → 8.74% ▲ 1.00 pts · high 8.74% / low 7.74% Oct 5, 20268.74%▲ from 8.49% Sep 17, 20268.49%▲ from 7.74% Sep 14, 20267.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
RV Balloon Program Loan	-	8.74%	120 months
Details As Low As; Vehicle Year: 2017-2027; Loan Amounts: $50,000 - $200,000; Advertised APR includes a 0.50% loan rate discount provided to those with a Dream Rewards Checking Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 8.49% → 8.74% ▲ 0.25 pts · high 8.74% / low 8.49% Oct 5, 20268.74%▲ from 8.49% Sep 14, 20268.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
All RV's and All Motorcycles - 61 to 84 months Loan	-	9.24%	61 to 84 months
Details As Low As; Vehicle Year 2016 & Older; Advertised APR includes a 0.50% loan rate discount provided to those with a Dream Rewards Checking Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 9.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
All RV's and All Motorcycles Loan	-	9.24%	61 to 84 months
Details As Low As; Vehicle Year: 2016 & Older; Advertised APR includes a 0.50% loan rate discount provided to those with a Dream Rewards Checking Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 8.99% → 9.24% ▲ 0.25 pts · high 9.24% / low 8.99% Oct 5, 20269.24%▲ from 8.99% Sep 14, 20268.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%

Cyprus Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Low-Rate	-	10.74%
Details As Low As; Variable Rate Low-Rate Visa; No Annual Fee Last Updated 10/29/2026 Rate History 1 change since Sep 29, 2026 · 10.49% → 10.74% ▲ 0.25 pts · high 10.74% / low 10.49% Oct 5, 202610.74%▲ from 10.49% Sep 29, 202610.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Business Visa Platinum Rewards	-	12.99%
Details As Low As; Card Type: Variable Rate Visa; Business Rewards Credit Card; Annual Fee: No Annual Fee (see terms); Membership and eligibility required; Rates as of 09/24/2026, variable rates may change Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Rewards Visa	-	13.24%
Details As Low As; Earn one point for every dollar you spend; Redeem for gift cards, travel, merchandise & more; Special Offer: 10,000 bonus points with new card when you spend $1,000 in the first 90 days Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 12.99% → 13.24% ▲ 0.25 pts · high 13.24% / low 12.99% Oct 13, 202613.24%▲ from 12.99% Sep 17, 202612.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Cash Back Visa	-	16.24%
Details As Low As; 1.5% cash back on all purchases; Paid quarterly and automatically deposited to your savings account Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 15.99% → 16.24% ▲ 0.25 pts · high 16.24% / low 15.99% Oct 13, 202616.24%▲ from 15.99% Sep 17, 202615.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%

Cyprus Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured (Signature Loans)	12.49%	48 Months
Details As Low As; Advertised APR includes a 0.50% loan rate discount provided to those with a Dream Rewards Checking Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%

Cyprus Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Construction Loans - One Time Close	-	-	6.625%	12 month
Details Term: 12 month construction period; As Low As; Closing: One time close Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.63% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Construction Loans - Two Time Close	-	-	6.50%	Up to 12 months
Details As Low As; Closing: Two time close Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Fixed Rate 2nd Mortgage	-	-	6.49%	10 years
Details As Low As; APR as low as 6.49%; To apply, call 801-260-7600 ext. 5330 or email [email protected] Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Fixed Rate 2nd Mortgage	-	-	6.99%	20 years
Details As Low As; APR as low as 6.99%; To apply, call 801-260-7600 ext. 5330 or email [email protected] Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Improved Lot Loans	-	-	6.50%	30/5
Details As Low As; LTV 80% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Improved Lot Loans	-	-	6.99%	10 Year Fixed
Details As Low As; LTV 80% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Small Business Term Loans	-	-	7.99%	12-48 Months
Details As Low As; Fixed rate. For unsecured loans add 2.0% APR. 1.0% origination fee and documentation fee apply. Auto-pay from an active business checking account at Cyprus is required. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Small Business Term Loans	-	-	8.49%	60 Months
Details As Low As; Fixed rate. For unsecured loans add 2.0% APR. 1.0% origination fee and documentation fee apply. Auto-pay from an active business checking account at Cyprus is required. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Small Business Term Loans	-	-	8.99%	72-84 Months
Details As Low As; Fixed rate. For unsecured loans add 2.0% APR. 1.0% origination fee and documentation fee apply. Auto-pay from an active business checking account at Cyprus is required. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%

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

Cyprus Federal Credit Union’s Texas Ratio rose from 2.07% in Q3 2023 to 2.73% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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
June 30, 2026	$2.1B	2.73%	5.0	A+
March 31, 2026	$2.1B	2.94%	5.0	A+
December 31, 2025	$1.9B	3.32%	5.0	A+
September 30, 2025	$1.9B	2.25%	5.0	A+
June 30, 2025	$1.9B	1.87%	5.0	A+
March 31, 2025	$1.8B	2.25%	5.0	A+
December 31, 2024	$1.8B	3.46%	5.0	A+
September 30, 2024	$1.8B	2.94%	5.0	A+
June 30, 2024	$1.8B	3.39%	5.0	A+
March 31, 2024	$1.8B	2.63%	5.0	A+
December 31, 2023	$1.7B	2.09%	5.0	A+
September 30, 2023	$1.7B	2.07%	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 Cyprus 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 Cyprus 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 Cyprus Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Cyprus Federal Credit Union

Website https://www.cypruscu.com

Address 3876 W Center view Way, West Jordan, UT 84084

Phone 801-260-7600

Fax 801-260-7788

President Richard Stapler

CEO Eric Figgins

Full-Time Employees 402

Part-Time Employees 118

Branch Locations 28

ATM Locations 25

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.73%

Return on Assets (ROA)

0.3265%

Return on Equity (ROE)

2.6286%

Non-Performing Loans Ratio (NPL)

0.41%

Total Assets

2,084,252,071

Total Amount of Shares and Deposits

1,794,925,737

Total Shares and Deposits < 1 Year

1,602,450,687

Total Shares and Deposits 1 3 Years

150,638,283

Total Shares and Deposits > 3 Years

41,836,767

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

166,685,210

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

166,685,210

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

1,628,240,527

Total Interest Expense (Sum of items 6 8)

18,830,094

Share Certificates

16,959

Number of Accounts for Share Drafts

104,885

IRA KEOGH Accounts

4,550

Number of Accounts for Regular Shares

173,753

All other shares

24,363

Non Member Deposits

Money Market Shares

10,776

Net Income (unless the amount is already included in Undivided Earnings)

6,805,265

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)

40,573,580

Total Liabilities

1,822,904,882

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Cyprus 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.

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Customer Reviews

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Frequently Asked Questions About Cyprus Federal Credit Union

Does Cyprus Federal Credit Union offer CDs?

Yes. Cyprus Federal Credit Union current CD rates include its 60 month CD (CD) at 4.50% APY, its 24 month CD (CD) at 4.45% APY and its 48 month CD (CD) at 4.45% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Cyprus Federal Credit Union NCUA insured?

Yes. Cyprus Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Cyprus Federal Credit Union?

The highest Cyprus Federal Credit Union CD rate is its 60 month CD (CD) at 4.50% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Cyprus Federal Credit Union offer?

Cyprus Federal Credit Union CD rates are 4.05% APY for a 12 month CD, 4.10% APY for an 18 month CD, 4.45% APY for a 2 year CD, 4.40% APY for a 3 year CD, 4.45% APY for a 4 year CD and 4.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Cyprus Federal Credit Union for its full lineup.

What is the highest savings rate at Cyprus Federal Credit Union?

The highest Cyprus Federal Credit Union savings rate is its Teen Learn & Earn Savings at 5.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Cyprus Federal Credit Union?

The highest Cyprus Federal Credit Union money market rate is its Business Sweep Money Market at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Cyprus Federal Credit Union?

The highest Cyprus Federal Credit Union checking rate is its Choice Interest Checking at 0.20% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest mortgage rate at Cyprus Federal Credit Union?

The lowest Cyprus Federal Credit Union mortgage rate is its Short & Sweet Mortgage at 6.875%, verified by MonitorBankRates as of October 29, 2026. Cyprus Federal Credit Union mortgage rates are 7.125% for a 15 year mortgage and 6.875% for a 10 year mortgage.

What is the lowest auto loan rate at Cyprus Federal Credit Union?

The lowest Cyprus Federal Credit Union auto loan rate is its New & Used Cars and Trucks Loan at 5.24% APR, verified by MonitorBankRates as of October 29, 2026. Cyprus Federal Credit Union auto loan rates are 5.49% APR for a 72 month auto loan and 6.24% APR for an 84 month auto loan.

What is the lowest personal loan rate at Cyprus Federal Credit Union?

The lowest Cyprus Federal Credit Union personal loan rate is its Unsecured (Signature Loans) at 12.49% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Cyprus Federal Credit Union?

The lowest Cyprus Federal Credit Union credit card APR is its Visa Low-Rate Credit Card at 10.74% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Cyprus Federal Credit Union operate?

Cyprus 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 Cyprus Federal Credit Union?

Yes, to access services at Cyprus 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, Cyprus 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, Cyprus Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Cyprus Federal Credit Union offer online and mobile banking?

Most modern institutions like Cyprus 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.cypruscu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Cyprus Federal Credit Union rates compare?

Cyprus Federal Credit Union's CD rates are 49% higher than the MonitorBankRates national average, and it has an A+ health rating. Cyprus Federal Credit Union's top rates are its 60 month CD (CD) at 4.50% APY, its Teen Learn & Earn Savings at 5.00% APY, its Business Sweep Money Market at 4.00% APY, its Choice Interest Checking at 0.20% APY, its Short & Sweet Mortgage at 6.875%, its Unsecured (Signature Loans) at 12.49% APR and its Visa Low-Rate Credit Card at 10.74% APR, verified by MonitorBankRates on October 29, 2026.

Current Cyprus Federal Credit Union Rates

12-Month CD4.05%
18-Month CD4.10%
24-Month CD4.45%
60-Month CD4.50%
Savings5.00%
MMA4.00%

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

Compare to Other Credit Unions

Cyprus Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Cyprus Federal Credit Union Texas Ratio

Cyprus Federal Credit Union Health Trend

Cyprus Federal Credit Union CD Rates

Cyprus Federal Credit Union Savings Rates

Cyprus Federal Credit Union Money Market Rates

Cyprus Federal Credit Union Business Money Market Rates

Cyprus Federal Credit Union Checking Rates

Cyprus Federal Credit Union Mortgage Rates

Cyprus Federal Credit Union Home Equity & HELOC

Cyprus Federal Credit Union Auto Loan Rates

Cyprus Federal Credit Union RV, Boat and Powersport Loan Rates

Cyprus Federal Credit Union Credit Card Rates

Cyprus Federal Credit Union Personal Loan Rates

Cyprus Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Cyprus Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Cyprus Federal Credit Union

Does Cyprus Federal Credit Union offer CDs?

Are CDs from Cyprus Federal Credit Union NCUA insured?

What is the highest CD rate at Cyprus Federal Credit Union?

What CD terms does Cyprus Federal Credit Union offer?

What is the highest savings rate at Cyprus Federal Credit Union?

What is the highest money market rate at Cyprus Federal Credit Union?

What is the highest checking rate at Cyprus Federal Credit Union?

What is the lowest mortgage rate at Cyprus Federal Credit Union?

What is the lowest auto loan rate at Cyprus Federal Credit Union?

What is the lowest personal loan rate at Cyprus Federal Credit Union?

What is the lowest credit card APR at Cyprus Federal Credit Union?

How many branches does Cyprus Federal Credit Union operate?

Is a member application needed to join Cyprus Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Cyprus Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Cyprus Federal Credit Union rates compare?

Current Cyprus Federal Credit Union Rates

Compare to Other Credit Unions