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Cyprus Federal Credit Union Rates & Review August 2026

Cyprus Federal Credit Union's 24 month CD (CD) rates are at 4.10%, 18 month CD (CD) rates are at 4.00%, 36 month CD (CD) rates are at 4.00%, 48 month CD (CD) rates are at 4.00%, 60 month CD (CD) rates are at 4.00%. Cyprus Federal Credit Union's savings rates are at 0.05%. Cyprus Federal Credit Union's money market rates are at 0.05%. 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 2.25%. Rates last updated and verified on 08/28/2026.

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.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.25%
Excellent Lower than avg
Cyprus Federal Credit Union
Jordan Landing
3876 W Center view Way
West Jordan, UT 84084
https://www.cypruscu.com
Member NCUA

Cyprus Federal Credit Union CD Rates

Product Rate APY Term View More
24 month Certificate (CD) 4.03% 4.10% 24 month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
18 month Certificate (CD) 3.93% 4.00% 18 month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
36 month Certificate (CD) 3.93% 4.00% 36 month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
48 month Certificate (CD) 3.93% 4.00% 48 month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
60 month Certificate (CD) 3.93% 4.00% 60 month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
12 month Certificate (CD) 3.88% 3.95% 12 month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
6 month Certificate (CD) 3.83% 3.90% 6 month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%

Cyprus Federal Credit Union Savings Rates

Product Rate APY View More
Dream Round Up Savings 9.57% 10.00%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Teen Learn & Earn Savings 4.89% 5.00%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Business Regular Share Savings 0.05% 0.05%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Regular Share Savings 0.05% 0.05%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Teen Learn & Earn Savings 0.05% 0.05%
Min Balance $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%

Cyprus Federal Credit Union Money Market Rates

Product Rate APY View More
Business Sweep Money Market 3.93% 4.00%
Min Balance $1,000,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Business Money Market 3.69% 3.75%
Min Balance $1,000,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Money Market 3.64% 3.70%
Min Balance $1,000,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Business Sweep Money Market 3.49% 3.55%
Min Balance $250,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Business Growth Money Market 3.45% 3.50%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Money Market 3.30% 3.35%
Min Balance $250,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Business Money Market 3.25% 3.30%
Min Balance $250,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Business Sweep Money Market 2.72% 2.75%
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Money Market 2.52% 2.55%
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Business Money Market 2.47% 2.50%
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Business Growth Money Market 1.98% 2.38%
Min Balance $5,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Business Sweep Money Market 2.23% 2.25%
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Business Money Market 1.98% 2.00%
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Money Market 1.98% 2.00%
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Business Growth Money Market 1.49% 1.85%
Min Balance $20,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Money Market 1.54% 1.55%
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Money Market 1.00% 1.00%
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Money Market 0.90% 0.90%
Min Balance $2,500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Business Sweep Money Market 0.70% 0.70%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Business Growth Money Market 0.50% 0.50%
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Business Money Market 0.45% 0.45%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Money Market 0.05% 0.05%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%

Cyprus Federal Credit Union Checking Rates

Product Rate APY View More
Business Choice Interest Checking 0.20% 0.20%
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Business Choice Interest Checking 0.15% 0.15%
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Basic Checking 0.10% 0.10%
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Business Choice Interest Checking 0.10% 0.10%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Dream Rewards Checking 0.10% 0.10%
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Dream Rewards Checking, Basic Checking, Fresh Start Checking 0.10% 0.10%
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Fresh Start Checking 0.10% 0.10%
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Basic Checking 0.05% 0.05%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Dream Rewards Checking 0.05% 0.05%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Dream Rewards Checking, Basic Checking, Fresh Start Checking 0.05% 0.05%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Fresh Start Checking 0.05% 0.05%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Business Essential Checking 0.00% 0.00%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Business Non Profit Checking 0.00% 0.00%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%

Cyprus Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
Short & Sweet Mortgage (short-term mortgages at a sweet rate) Table - First Tier - - 6.38% 10 Year
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Short & Sweet Mortgage (short-term mortgages at a sweet rate) Table - First Tier - - 6.63% 15 Year
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%

Cyprus Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - - 4.99%
Details introductory rate available only on a new home equity line of credit (HELOC) with automatic payments from a Cyprus Checking account. Introductory rate available for the first six (6) months after opening.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Home Equity Line of Credit - - 6.75%
Details Default Rate APR as low as (prime rate +0%); Rate is based on the wall street Journal prime lending rate on the last day of each month. Maximum interest rate over the life of the loan is 18%. Minimum interest rate over the life of the loan is 4%.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%

Cyprus Federal Credit Union Credit Card Rates

Product Rate APR View More
Low-Rate Visa - 10.49%
Details 0% APR for the first 6 months on purchases and balance transfers with a new Low-Rate card. Existing Cyprus Credit Union credit card accounts are not eligible.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Variable Rate Low-Rate Visa Credit Card - 10.49%
Details No Annual Fee; see terms
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Visa Low-Rate - 10.49%
Details Card Type Variable Rate Low-Rate Visa Credit Card; Annual Fee No Annual Fee ( see terms )
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Visa Low-Rate / Rewards / Cash Back (Variable Rate Visa) - 10.49%
Details Variable Rate Low-Rate Visa Credit Card; Annual Fee No Annual Fee ( see terms )
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Business Visa Platinum Rewards - 12.99%
Details Variable Rate Visa Business Rewards Credit Card. Annual Fee No Annual Fee ( see terms ).
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Variable Rate Rewards Visa Credit Card - 12.99%
Details No Annual Fee; see terms
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Variable Rate Visa Business Rewards Credit Card - 12.99%
Details No Annual Fee (see terms)
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Visa Low-Rate / Rewards / Cash Back (Variable Rate Visa) - 12.99%
Details Variable Rate Rewards Visa Credit Card; Annual Fee No Annual Fee ( see terms )
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Visa Rewards - 12.99%
Details Card Type Variable Rate Rewards Visa Credit Card; Annual Fee No Annual Fee ( see terms )
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Variable Rate Cash Back Visa Credit Card - 15.99%
Details No Annual Fee; see terms
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Visa Cash Back - 15.99%
Details Card Type Variable Rate Cash Back Visa Credit Card; Annual Fee No Annual Fee ( see terms )
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%
Visa Low-Rate / Rewards / Cash Back (Variable Rate Visa) - 15.99%
Details Variable Rate Cash Back Visa Credit Card; Annual Fee No Annual Fee ( see terms )
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.25%

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
Address 3876 W Center view Way, West Jordan, UT 84084
Phone 801-260-7600
Fax 801-260-7788
President Richard Stapler
CEO Todd Adamson
Full-Time Employees 371
Part-Time Employees 101
Branch Locations 23
ATM Locations 23
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
2.25%
Return on Assets (ROA)
0.5331%
Return on Equity (ROE)
4.5301%
Non-Performing Loans Ratio (NPL)
0.31%
Total Assets
1,902,636,075
Total Amount of Shares and Deposits
1,637,108,543
Total Shares and Deposits < 1 Year
1,491,406,424
Total Shares and Deposits 1 3 Years
97,555,244
Total Shares and Deposits > 3 Years
48,146,875
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
150,367,113
Total Uninsured Shares and Deposits > $250K (F+J)
150,367,113
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,486,741,430
Total Interest Expense (Sum of items 6 8)
29,572,076
Share Certificates
15,407
Number of Accounts for Share Drafts
95,140
IRA KEOGH Accounts
4,526
Number of Accounts for Regular Shares
156,568
All other shares
20,497
Non Member Deposits
160
Money Market Shares
9,298
Net Income (unless the amount is already included in Undivided Earnings)
10,142,319
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)
32,171,798
Total Liabilities
1,684,268,387
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Cyprus Federal Credit Union yet. Feel free to create one below.
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☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Cyprus Federal Credit Union

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.

Current Cyprus Federal Credit Union Rates

  • 12-Month CD3.95%
  • 18-Month CD4.00%
  • 24-Month CD4.10%
  • 60-Month CD4.00%
  • Savings0.05%
  • MMA0.05%
Retrieved from our database of financial products. Rates subject to change.