Credit union · NCUA insured
Cy-Fair FCU CD Rates
Top CarrotCy-Fair FCU’s best CD rate is 4.00% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Cy-Fair FCU’s CD rates compare
Compared with banks and credit unions near Houston, TX, where Cy-Fair FCU has the most branches. $10,000, best rate first.
This credit union’s best
Cy-Fair FCU
3.80%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,050
Share Certificate
Top rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
2nd-highest rate
Gulf Capital Bank
4.91%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,546
Cy-Fair FCU CD score
80
CD score
Higher than 53% of U.S. banks and credit unions
- 3–8 months3–8 mo3.40%
- 9–15 months9–15 mo3.45%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.80%
- QualifiedQualified3.80%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Cy-Fair FCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 3.80%APY · 6 terms
Minimum deposit of $1,000.00 required to open. Dividends post quarterly. Early withdrawal penalties may apply. Relationship pricing bonus rates available up to +0.40% APY for qualifying active checking (+0.10%), direct deposit (+0.10%), open/current installment loan or credit card (+0.10%), and credit union membership of 3+ years (+0.10%).
| Term | APY · $1,000 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 – $500,000 | APY · Over $500,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 6 months | 3.40% | 3.45% | 3.50% | 3.55% | 3.60% | 3.40%3.45% $25k–$50k3.50% $50k–$100k3.55% $100k–$500k3.60% from $500k | $169 |
| 12 months | 3.45% | 3.50% | 3.55% | 3.60% | 3.65% | 3.45%3.50% $25k–$50k3.55% $50k–$100k3.60% $100k–$500k3.65% from $500k | $345 |
| 24 months | 3.50% | 3.55% | 3.60% | 3.65% | 3.75% | 3.50%3.55% $25k–$50k3.60% $50k–$100k3.65% $100k–$500k3.75% from $500k | $712 |
| 36 months | 3.60% | 3.65% | 3.70% | 3.75% | 3.85% | 3.60%3.65% $25k–$50k3.70% $50k–$100k3.75% $100k–$500k3.85% from $500k | $1,119 |
| 48 months | 3.70% | 3.75% | 3.80% | 3.85% | 3.90% | 3.70%3.75% $25k–$50k3.80% $50k–$100k3.85% $100k–$500k3.90% from $500k | $1,564 |
| 60 months | 3.80% | 3.85% | 3.90% | 3.95% | 4.00% | 3.80%3.85% $25k–$50k3.90% $50k–$100k3.95% $100k–$500k4.00% from $500k | $2,050 |
Special-purpose accounts
IRA Share Certificate
Up to 3.80%APY · 6 terms
Minimum deposit of $1,000.00 required to open. Dividends post quarterly. Early withdrawal penalties may apply. Relationship bonus rates do not apply to IRA Certificates.
| Term | APY · $1,000 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 – $500,000 | APY · Over $500,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 6 months | 3.40% | 3.45% | 3.50% | 3.55% | 3.60% | 3.40%3.45% $25k–$50k3.50% $50k–$100k3.55% $100k–$500k3.60% from $500k | $169 |
| 12 months | 3.45% | 3.50% | 3.55% | 3.60% | 3.65% | 3.45%3.50% $25k–$50k3.55% $50k–$100k3.60% $100k–$500k3.65% from $500k | $345 |
| 24 months | 3.50% | 3.55% | 3.60% | 3.65% | 3.75% | 3.50%3.55% $25k–$50k3.60% $50k–$100k3.65% $100k–$500k3.75% from $500k | $712 |
| 36 months | 3.60% | 3.65% | 3.70% | 3.75% | 3.85% | 3.60%3.65% $25k–$50k3.70% $50k–$100k3.75% $100k–$500k3.85% from $500k | $1,119 |
| 48 months | 3.70% | 3.75% | 3.80% | 3.85% | 3.90% | 3.70%3.75% $25k–$50k3.80% $50k–$100k3.85% $100k–$500k3.90% from $500k | $1,564 |
| 60 months | 3.80% | 3.85% | 3.90% | 3.95% | 4.00% | 3.80%3.85% $25k–$50k3.90% $50k–$100k3.95% $100k–$500k4.00% from $500k | $2,050 |
Who can join Cy-Fair FCU
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.
Membership information collected October 5, 2026.