[{Certificates}]

Certificates - 7-month at 4.00% APY* and 13-month at 4.30% APY*

Special Share Certificate Offer
Lock in today’s high rates before the Federal Reserve makes more cuts and rates drop!

13-Month Share Certificate – 4.30% APY* on $1,000 or more
Secure a great rate, locked in for a longer period to avoid potential rate drops.

7-Month Share Certificate – 4.00% APY* on $1,000 or more
Enjoy strong returns without the long-term commitment.

Offer Expires 12/31/2025

Call us or visit your nearest Cy-Fair Federal Credit Union financial center for assistance.

Find A Location

Call: 281-571-5000

 

*APY = Annual Percentage Yield. Minimum $1,000 deposit required. Offer expires 12/31/2025. Special APY for the 7-month and 13-month share certificates are effective as of 11.01.2025 and fixed for the term until maturity. Upon maturity, unless otherwise directed, the certificate will automatically rollover to the 6-month term certificate for the 7-month promotion and a 12-month term certificate for the 13-month promotion share certificates. Those rollovers will earn what the regular dividend/APY is at the time of maturity/rollover. A penalty may be imposed for early withdrawal.  Fees and other conditions could reduce earnings. Terms and conditions are subject to change without notice. Please see a Cy-Fair FCU representative for more information. Federally insured up to $250,000 by the NCUA.

 
 
 

SHARE CERTIFICATES

(similar to Certificates of Deposit)

Share Certificates

Add a safe investment, with a fixed rate, to your portfolio.

  • Great option to save toward short or long-term goals
  • Minimum deposit of $1,000.00 required to open a Share Certificate
  • Investment period from 6 months to 5-years
 
 

  • Share Certificate Rates   [click for rates]

Relationship Pricing: Bonus Rates for Share Certificates
Add a little extra to the standard rate when you meet any of the listed qualifications at the time of opening a new share certificate!

Qualification Bonus Rate
Active Checking (over 60 days of activity) + 0.10% APY
Direct Deposit (existing, occurring monthly) + 0.10% APY
Cy-Fair FCU credit card or installment loan (open and current) + 0.10% APY
Membership with the credit union is 3 years or greater + 0.10% APY


ABOUT BONUS RATES:
Bonus rate increases are based on your product/service relationships with Cy-Fair FCU. At the time of opening a new share certificate, members who meet one or more of the listed qualifications may request to add the corresponding bonus rate(s) to the share certificate’s current standard rate.

Not applicable with currently active share certificates. You must contact us before opening the certificate to have the bonus rates applied.

Relationship pricing consists of bonus dividends that may be added to the advertised standard rate, for a potential rate increase of up to 0.40% APY when qualifications are met. For any single relationship pricing bonus rate to apply, the stated qualification related to that bonus must be met before the establishment of a new share certificate. Additionally, the member is responsible for requesting that the bonus rates they qualify for be added to the certificate they are opening. Bonus rates cannot be applied to existing share certificates, nor applied to promotional rates. The bonus rates apply to personal Share Certificate accounts only (No IRA Certificates or Commercial Business Certificates). Other terms and conditions apply. Please see a Cy-Fair FCU representative for more information.

 
 
 
 

IRA SHARE CERTIFICATES

 

IRA Share Certificates

An insured investment for your retirement with higher-rates than traditional savings options.

  • Minimum deposit of $1,000.00 required to open IRA Share Certificate
  • Investment period from 6 months to 5-years
  • Independence from employer participation
  • Tax credit for the contribution, if eligible1
  • Leave assets to the beneficiary of choice

  • IRA Share Certificate Rates  [click for rates]

 
 
 
 

IRA SAVINGS

 

IRA Savings

Make deposits any time to this tax-advantaged retirement plan option.

  • Minimum opening requirement of only $100.00
  • Payroll deduction deposits make investing even easier
  • Independence from employer participation
  • Freedom to access or move assets
  • Tax credit for the contribution, if eligible1
  • Leave assets to the beneficiary of choice

  • Savings Account Rates  [click for rates]

 
 

[{Resources}]

View All Rates
 

*Annual Percentage Yield (APY). Rates are subject to change without notice. Fees and other conditions could reduce earnings. A penalty may be imposed for early withdrawals. Credit Union membership required before utilizing any product and/or service by establishing a savings account with $5.00. Other terms and conditions may apply.

(1)Consult your tax advisor for tax advantages. Contribution limits may apply.

This credit union is federally insured by the National Credit Union Administration