Credit union · NCUA insured
Cyprus Credit Union CD Rates
Top CarrotCyprus Credit Union’s best CD rate is 4.50% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Cyprus Credit Union’s CD rates compare
Compared with banks and credit unions near Salt Lake City, UT, where Cyprus Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Cyprus Credit Union
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
Share Certificate
Top rate
Comenity Capital Bank
4.85%APY
- Term
- 18 months
- Minimum
- $1,500
- Earns on $10,000
- $736
2nd-highest rate
Sallie Mae
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
Cyprus Credit Union CD score
95
CD score
Higher than 98% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.45%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
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 Cyprus Credit Union 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.
Dream Certificate
Up to 4.50%APY · 7 terms
Open with $20. Automatic deposits of at least $10/month (or every paycheck) transferred from checking account required. Maximum deposit limit of $100,000 per individual member across all Dream Certificate accounts. Features a one-time rate bump upon request and one penalty-free early withdrawal of up to 25% of balance.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarns traditional certificate APY | 4.00% | $198 |
| 12 monthsEarns traditional certificate APY | 4.05% | $405 |
| 18 monthsEarns traditional certificate APY | 4.10% | $621 |
| 24 monthsEarns traditional certificate APY | 4.45% | $910 |
| 36 monthsEarns traditional certificate APY | 4.40% | $1,379 |
| 48 monthsEarns traditional certificate APY | 4.45% | $1,902 |
| 60 monthsEarns traditional certificate APY | 4.50% | $2,462 |
Sources (2)
- cypruscu.com/accounts/resources/savings-rates
- cypruscu.com/accounts/saving-accounts/dream-certificate
All captured Oct 17, 2026
Share Certificate
Up to 4.50%APY · 7 terms
Share Certificates require an initial deposit of at least $500. Early withdrawal penalties may apply. Promotional rates are not eligible for bump rate increases.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 12 months | 4.05% | $405 |
| 18 months | 4.10% | $621 |
| 24 months | 4.45% | $910 |
| 36 months | 4.40% | $1,379 |
| 48 months | 4.45% | $1,902 |
| 60 months | 4.50% | $2,462 |
Sources (2)
- cypruscu.com/accounts/resources/savings-rates
- cypruscu.com/accounts/saving-a…nts/certificate-accounts
All captured Oct 17, 2026
Special-purpose accounts
IRA Certificate
Up to 4.50%APY · 7 terms
Share Certificates require an initial deposit of at least $500. Early withdrawal penalties may apply. Promotional rates are not eligible for bump rate increases.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 12 months | 4.05% | $405 |
| 18 months | 4.10% | $621 |
| 24 months | 4.45% | $910 |
| 36 months | 4.40% | $1,379 |
| 48 months | 4.45% | $1,902 |
| 60 months | 4.50% | $2,462 |
Sources (2)
All captured Oct 17, 2026
Who can join Cyprus Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.