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

Current rates for Cyprus Federal Credit Union include: 12-Month CD: 3.95%, 18-Month CD: 4.05%, 24-Month CD: 4.25%, 60-Month CD: 4.30%, Savings: 5.00%, MMA: 4.00%

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Cyprus Federal Credit Union

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Cyprus Federal Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Cyprus Federal Credit Union's top rates as of October 13, 2026 are 4.30% APY on its 60 month CD (CD), 5.00% APY on savings, 4.00% APY on money market accounts, 0.20% APY on checking, 7.25% on its Short & Sweet Mortgage, personal loans from 12.49% APR, and credit cards from 10.74% APR, according to rates verified by MonitorBankRates. Other Cyprus Federal Credit Union CD rates include 24 month CD (CD) at 4.25%, 48 month CD (CD) at 4.25%, and 36 month CD (CD) at 4.20%. Other Cyprus Federal Credit Union mortgage rates include Short & Sweet Mortgage - First Tier at 7.25%, Short & Sweet Mortgage at 7.50%, and Short & Sweet Mortgage - First Tier at 7.50%. 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 10/13/2026.

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 Q2 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)	4.218%	4.30%	60 months
Min Deposit $500 Details Early withdrawal penalties may apply Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.25% → 4.30% ▲ 0.05 pts · high 4.30% / low 4.25% 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)	4.169%	4.25%	24 months
Min Deposit $500 Details Early withdrawal penalties may apply Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
48 month Certificate (CD)	4.169%	4.25%	48 months
Min Deposit $500 Details Early withdrawal penalties may apply Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20% 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)	4.121%	4.20%	36 months
Min Deposit $500 Details Early withdrawal penalties may apply Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.15% → 4.20% ▲ 0.05 pts · high 4.20% / low 4.15% 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)	3.977%	4.05%	18 months
Min Deposit $500 Details Early withdrawal penalties may apply Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
12 month Certificate (CD)	3.88%	3.95%	12 months
Min Deposit $500 Details Early withdrawal penalties may apply Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
6 month Certificate (CD)	3.88%	3.95%	6 months
Min Deposit $500 Details Early withdrawal penalties may apply Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 3.95% ▲ 0.05 pts · high 3.95% / low 3.90% 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; Dividends declared, paid and compounded monthly; Tiered rate on average daily balance of $0.01 to $1,000.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 8 times 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 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Teen Learn & Earn Savings	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000.01 and over; Dividends declared, paid, and compounded monthly; Earns the same rate as Regular Share Savings Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%

Cyprus Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Regular Share Savings	0.05%	0.05%
Min Balance $0 Details Balance: $0.00 and over Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 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	3.639%	3.70%
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over; Declared, paid and compounded monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 8 times 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 10/13/2026 Rate History No change since Sep 17, 2026 · 3.35% APY · checked 7 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 10/13/2026 Rate History No change since Sep 17, 2026 · 3.35% APY · checked 7 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 10/13/2026 Rate History No change since Sep 14, 2026 · 2.55% APY · checked 8 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 10/13/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 8 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 10/13/2026 Rate History No change since Sep 14, 2026 · 1.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Money Market	0.995%	1.00%
Min Balance $10,000 Details Balance: $10,000.00 to $24,999.99; Declared, paid and compounded monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Money Market	0.896%	0.90%
Min Balance $2,500 Details Balance: $2,500 to $9,999.99; Declared, paid and compounded monthly Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 0.90% APY · checked 7 times 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 10/13/2026 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 10/13/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 8 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 and over; Declared, paid and compounded monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 8 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 10/13/2026 Rate History No change since Sep 17, 2026 · 3.55% APY · checked 7 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 10/13/2026 Rate History No change since Sep 17, 2026 · 3.55% APY · checked 7 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 to $4,999.99; Declared, paid and compounded monthly Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 3.50% → 3.50% ▼ 0.00 pts · high 3.50% / low 3.45% Oct 9, 20263.50%▲ from 3.45% Sep 21, 20263.45%▼ from 3.50% Sep 14, 20263.50%first recorded 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 to $499,999.99; Declared, paid and compounded monthly Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 3.30% APY · checked 7 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 to $999,999.99; Declared, paid and compounded monthly Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 3.30% APY · checked 7 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 10/13/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 8 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 to $249,999.99; Declared, paid and compounded monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 8 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 Published APY range: 2.38% - 3.50%. Balance: $5,000.00 to $19,999.99; Declared, paid and compounded monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.38% APY · checked 8 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 10/13/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 8 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 to $99,999.99; Declared, paid and compounded monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 8 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 Published APY range: 1.85% - 2.38%. Balance: $20,000.00 to $49,999.99; Declared, paid and compounded monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.85% APY · checked 8 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 10/13/2026 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 Published APY range: 0.50% - 1.85%. Balance: $50,000.00 and over; Declared, paid and compounded monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 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 to $49,999.99; Declared, paid and compounded monthly Last Updated 10/13/2026 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
Basic Checking	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% 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	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.10% APY 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 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 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 10/13/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 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 10/13/2026 Rate History No change since Oct 13, 2026 · 0.05% APY 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 10/13/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%

Cyprus Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Choice Interest Checking	0.20%	0.20%
Min Deposit $50 Min Balance $100,000 Details Balance: $100,000.00 and over; Monthly fee of $10 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Business Choice Interest Checking	0.15%	0.15%
Min Deposit $50 Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99; Monthly fee of $10 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Business Choice Interest Checking	0.10%	0.10%
Min Deposit $50 Min Balance $0 Details Balance: $0.00 to $49,999.99; Monthly fee of $10 Last Updated 10/13/2026 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%

Cyprus Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Short & Sweet Mortgage	7.25%	-	7.25%	10 Year
Details Owner Occupied Refinance; Max LTV 80%; 680 Minimum FICO score; $400,000 Max LTV; Rates subject to change Last Updated 10/13/2026 Rate History 3 changes since Sep 17, 2026 · 6.88% → 7.25% ▲ 0.38 pts · high 7.38% / low 6.88% Oct 9, 20267.25%▲ from 7.13% Oct 5, 20267.13%▼ from 7.38% Sep 29, 20267.38%▲ from 6.88% Sep 17, 20266.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Short & Sweet Mortgage - First Tier	7.25%	-	7.25%	10 Year
Details Owner Occupied Refinance; Max LTV 80%; 680 Minimum FICO score; $400,000 Max LTV; Rates subject to change Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Short & Sweet Mortgage	7.50%	-	7.50%	15 Year
Details Owner Occupied Refinance; Max LTV 80%; 680 Minimum FICO score; $400,000 Max LTV; Rates subject to change Last Updated 10/13/2026 Rate History 3 changes since Sep 17, 2026 · 7.13% → 7.50% ▲ 0.38 pts · high 7.63% / low 7.13% Oct 9, 20267.50%▲ from 7.38% Oct 5, 20267.38%▼ from 7.63% Sep 29, 20267.63%▲ from 7.13% Sep 17, 20267.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Short & Sweet Mortgage - First Tier	7.50%	-	7.50%	15 Year
Details Owner Occupied Refinance; Max LTV 80%; 680 Minimum FICO score; $400,000 Max LTV; Rates subject to change Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.50% APR 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; prime rate +0%; Max interest rate over life of loan 18%; Min interest rate over life of loan 4% Last Updated 10/13/2026 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 Loan	-	-	5.24%	Up to 60 months
Details As Low As; Vehicle Year: 2017-2027; Advertised APR includes a 0.50% loan rate discount for Dream Rewards Checking Last Updated 10/13/2026 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 Loan	-	-	5.49%	61 to 72 months
Details As Low As; Vehicle Year: 2017-2027; Advertised APR includes a 0.50% loan rate discount for Dream Rewards Checking Last Updated 10/13/2026 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 Loan	-	-	6.24%	73 to 84 months
Details As Low As; Vehicle Year: 2017-2027; Advertised APR includes a 0.50% loan rate discount for Dream Rewards Checking Last Updated 10/13/2026 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 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 10/13/2026 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 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 10/13/2026 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 Loan	-	7.99%	Up to 60 months
Details As Low As; Vehicle Year: 2017-2027; Advertised APR includes a 0.50% loan rate discount for Dream Rewards Checking Last Updated 10/13/2026 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 Loan	-	8.24%	61 to 144 Months
Details As Low As; Vehicle Year: 2017-2027; Advertised APR includes a 0.50% loan rate discount for Dream Rewards Checking Last Updated 10/13/2026 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 Loan	-	8.49%	145 to 180 months
Details As Low As; Vehicle Year: 2017-2027; Advertised APR includes a 0.50% loan rate discount for Dream Rewards Checking Last Updated 10/13/2026 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 months
Details As Low As; 120 month term with 240 month amortization; Vehicle Year 2017-2027; Loan Amounts: $50,000 - $200,000; Advertised APR includes 0.50% loan rate discount for Dream Rewards Checking Last Updated 10/13/2026 Rate History No change since Oct 13, 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 for Dream Rewards Checking Last Updated 10/13/2026 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%
All RV's and All Motorcycles 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 for Dream Rewards Checking Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 8.49% → 8.74% ▲ 0.25 pts · high 8.74% / low 8.49% Oct 5, 20268.74%▲ from 8.49% Sep 17, 20268.49%first recorded 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 for Dream Rewards Checking Last Updated 10/13/2026 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
Low-Rate Visa	-	10.74%
Details As Low As; Intro rate expires: 6 months; 0% APR on purchases and balance transfers with a new Low-Rate Visa card; Existing Cyprus Credit Union credit card accounts are not eligible; Regular APR: 10.74%; Lowest interest rate; Great for debt consolidation Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 10.49% → 10.74% ▲ 0.25 pts · high 10.74% / low 10.49% Oct 13, 202610.74%▲ from 10.49% Sep 14, 202610.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Visa Low-Rate (Variable Rate Visa)	-	10.74%
Details As Low As; Card Type Variable Rate Low-Rate; No Annual Fee (see terms) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.74% APR 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; Annual Fee: No Annual Fee (see terms); Membership and eligibility required Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 8 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 10/13/2026 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 10/13/2026 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; Apply Online Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.49% APR · checked 8 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 10/13/2026 Rate History No change since Oct 13, 2026 · 6.63% APR 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 10/13/2026 Rate History No change since Oct 13, 2026 · 6.50% APR 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; Fixed Rate 2nd Mortgage Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 9 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; Fixed Rate 2nd Mortgage Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 9 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 10/13/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 9 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 10/13/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 9 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 10/13/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 8 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 10/13/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 8 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 10/13/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 8 times 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 Last Updated 10/13/2026 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%
IRA Shares	0.896%	-	0.90%
Min Balance $2,500 Details Balance: $2,500 to $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
IRA Shares	0.995%	-	1.00%
Min Balance $10,000 Details Balance: $10,000.00 to $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 8 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 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.55% APY · checked 8 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 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 8 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

Q2 2026 MBR Health & Safety Badge

Cyprus Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       width="160" height="160">
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Customer Reviews

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Total Reviews

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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 CD4.05%
24-Month CD4.25%
60-Month CD4.30%
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 October 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 Business Savings Rates

Cyprus Federal Credit Union Money Market Rates

Cyprus Federal Credit Union Business Money Market Rates

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Cyprus Federal Credit Union Home Equity & HELOC

Cyprus Federal Credit Union Auto Loan Rates

Cyprus Federal Credit Union RV, Boat and Powersport Loan Rates

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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

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?

Current Cyprus Federal Credit Union Rates

Compare to Other Credit Unions