Credit union · NCUA insured
Cy-Fair FCU Savings Rates
Top CarrotCy-Fair FCU’s best savings rate is 0.05% APY on $10,000, with its Advantage Money Market. Rates checked October 16, 2026.
How Cy-Fair FCU’s savings 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
0.05%APY
- Earns on $10,000 a year
- $5
Tandem Advantage Money Market
Top rate
Heritage Hub Federal Credit Union
5.13%APY
- Earns on $10,000 a year
- $513
2nd-highest rate
Nizari Credit Union
4.00%APY
- Earns on $10,000 a year
- $400
Cy-Fair FCU savings score
63
Savings score
Higher than 8% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0002.61%
- QualifiedQualified0.05%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Onyx Money Market
0.00%APY
Dividends are paid monthly based on average daily balance. Minimum balance of $1,000.00 required to keep account active and earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.00% | — |
| $1,000 – $25,000 | 0.00% | $0 |
| $25,000 – $50,000 | 0.00% | — |
| $50,000 – $100,000 | 0.00% | — |
| $100,000 – $500,000 | 1.00% | — |
| Over $500,000 | 3.45% | — |
Tandem Advantage Money Market
0.05%APY
Dividends are paid monthly based on average daily balance. Minimum balance of $1,000.00 required to keep account active and earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.00% | — |
| $1,000 – $25,000 | 0.05% | $5 |
| $25,000 – $50,000 | 0.60% | — |
| $50,000 – $100,000 | 2.61% | — |
| $100,000 – $500,000 | 2.76% | — |
| Over $500,000 | 2.95% | — |
Advantage Money Market
0.05%APY
Dividends are paid monthly based on average daily balance. Minimum balance of $1,000.00 required to keep account active and earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.00% | — |
| $1,000 – $25,000 | 0.05% | $5 |
| $25,000 – $50,000 | 0.50% | — |
| $50,000 – $100,000 | 0.65% | — |
| $100,000 – $500,000 | 0.75% | — |
| Over $500,000 | 0.50% | — |
Regular Savings
0.02%APY
Automatically opened when joining Cy-Fair Federal Credit Union as part of membership ($5.00 opening deposit required for membership). No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $25,000Dividends posted quarterly; minimum average daily balance of $1,000.00 to earn dividends. | 0.02% | $2 | Dividends posted quarterly; minimum average daily balance of $1,000.00 to earn dividends. |
| $25,000 – $50,000Dividends posted quarterly. | 0.02% | — | Dividends posted quarterly. |
| Over $50,000Dividends posted quarterly. | 0.02% | — | Dividends posted quarterly. |
Secondary Savings+
0.02%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $25,000Dividends posted quarterly. | 0.02% | $2 | Dividends posted quarterly. |
| $25,000 – $50,000Dividends posted quarterly. | 0.02% | — | Dividends posted quarterly. |
| Over $50,000Dividends posted quarterly. Balance tier stated in schedule as $50.00.01 or greater. | 0.02% | — | Dividends posted quarterly. Balance tier stated in schedule as $50.00.01 or greater. |
Sources (1)
- cyfairfcu.org/rates · captured Sep 17, 2026
Secured Credit Card Savings
0.02%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $25,000Dividends posted quarterly. | 0.02% | $2 | Dividends posted quarterly. |
| $25,000 – $50,000Dividends posted quarterly. | 0.02% | — | Dividends posted quarterly. |
| Over $50,000Dividends posted quarterly. Balance tier stated in schedule as $50.00.01 or greater. | 0.02% | — | Dividends posted quarterly. Balance tier stated in schedule as $50.00.01 or greater. |
Sources (1)
- cyfairfcu.org/rates · captured Sep 17, 2026
Special-purpose accounts
Christmas Club Savings
0.02%APY
All funds transferred to regular savings account on November 1st each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends posted monthly; minimum average daily balance of $50.00 to earn dividends.$50 and up | 0.02% | $2 | Dividends posted monthly; minimum average daily balance of $50.00 to earn dividends. |
IRA Savings
0.02%APY
Tax-advantaged retirement plan savings option. Credit union membership required ($5.00 savings account).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upDividends posted quarterly; minimum average daily balance of $1,000.00 to earn dividends.$1,000 and up | 0.02% | $2 | Dividends posted quarterly; minimum average daily balance of $1,000.00 to earn dividends. |
SuperStar Savers Kids Club+
0.02%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Dividends posted quarterly. | 0.02% | $2 | Dividends posted quarterly. |
| $25,000 – $50,000Dividends posted quarterly. | 0.02% | — | Dividends posted quarterly. |
| Over $50,000Dividends posted quarterly. Balance tier stated in schedule as $50.00.01 or greater. | 0.02% | — | Dividends posted quarterly. Balance tier stated in schedule as $50.00.01 or greater. |
Sources (1)
- cyfairfcu.org/rates · captured Sep 17, 2026
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.