Credit union · NCUA insured
Cy-Fair FCU
Top CarrotA $387.3M credit union headquartered in Houston, TX, with 25,878 members and 6 branches in Texas. Best rates: CDs 4.00% and savings 0.05% APY.
Cy-Fair FCU Carrot Score
Carrot ScoreTop Carrot
Higher than 78% of U.S. banks and credit unions
#32 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Cy-Fair FCU
Founded in 1956 by ten local educators, Cy-Fair Federal Credit Union is a not-for-profit, member-owned financial institution.
Headquartered in Houston, Texas, the credit union serves members who live, work, worship, or attend school in Harris County and parts of Waller County.
- Headquarters
- 9601 Jones Rd, Suite 200, Houston, TX 77065
- NCUA charter
- 11452
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in Harris County or specified zip codes of Waller County (77423, 77445, 77484, 77446, 77447).
Family and household
- Membership is open to anyone who has immediate family who are currently members of Cy-Fair FCU.
Branches
6 branches in Texas
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Texas
6 branches
- Skinner Branch13525 Skinner Rd, Cypress, TX 77429Directions
- Towne Lake9915 Barker Cypress Rd, Suite 160, Cypress, TX 77433Directions
- Copperfield Branch7060 Highway 6 N, Houston, TX 77095Directions
- Jones Branch9601 Jones Rd, Houston, TX 77065Directions
- Team Financial2190 North Loop W Ste 108, Houston, TX 77018Directions
- Prarie View104 FM 1098 University Dr, Prairie View, TX 77446Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.54% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.26% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.39% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $71 | $76 | — |
- CapitalNet worth ratio9.54%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.26%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.39%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$71Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Cy-Fair FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.