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Savings Rates
Certificate Accounts, IRA Certificate Accounts, and Dream Certificates
| Term | Dividend Rate | APY |
|---|---|---|
| 6 month Certificate (CD) | 4.266% | 4.35% |
| 12 month Certificate (CD) | 4.218% | 4.30% |
| 18 month Certificate (CD) | 3.880% | 3.95% |
| 24 month Certificate (CD) | 3.928% | 4.00% |
| 36 month Certificate (CD) | 3.928% | 4.00% |
| 48 month Certificate (CD) | 3.977% | 4.05% |
| 60 month Certificate (CD) | 4.073% | 4.15% |
Open your Dream CD with just $20 and add a $10 or more each month while earning regular CD rates. Your deposits will be automatically transferred to your Dream CD every month or every paycheck. $100,000 maximum deposit per individual member on Dream Certificates. Member cannot make additional deposits past $100,000 maximum across all Dream Certificate accounts. Promotional rates are not eligible for bump rate increases.
Term
6 month Certificate (CD) Dividend Rate
4.266% APY
4.35%
Term
12 month Certificate (CD) Dividend Rate
4.218% APY
4.30%
Term
18 month Certificate (CD) Dividend Rate
3.880% APY
3.95%
Term
24 month Certificate (CD) Dividend Rate
3.928% APY
4.00%
Term
36 month Certificate (CD) Dividend Rate
3.928% APY
4.00%
Term
48 month Certificate (CD) Dividend Rate
3.977% APY
4.05%
Term
60 month Certificate (CD) Dividend Rate
4.073% APY
4.15%
Open your Dream CD with just $20 and add a $10 or more each month while earning regular CD rates. Your deposits will be automatically transferred to your Dream CD every month or every paycheck. $100,000 maximum deposit per individual member on Dream Certificates. Member cannot make additional deposits past $100,000 maximum across all Dream Certificate accounts. Promotional rates are not eligible for bump rate increases.
Dream Round Up Savings Rates
| Daily Balance | Dividend Rate | APY |
|---|---|---|
| $0.01 and over | 9.569% | 10.00% |
** Declared, paid and compounded monthly
** Available only with Dream Rewards Checking (Fresh Start and Business Accounts not eligible)
Daily Balance
$0.01 and over Dividend Rate
9.569% APY
10.00%
** Declared, paid and compounded monthly
** Available only with Dream Rewards Checking (Fresh Start and Business Accounts not eligible)
Money Market
| Daily Balance | Dividend Rate | APY |
|---|---|---|
| $0 to $2,499 | 0.050% | 0.05% |
| $2,500 to $9,999.99 | 0.995% | 1.00% |
| $10,000.00 to $24,999.99 | 1.144% | 1.15% |
| $25,000.00 to $49,999.99 | 1.687% | 1.70% |
| $50,000.00 to $99,999.99 | 2.031% | 2.05% |
| $100,000.00 to $249,999.99 | 2.667% | 2.70% |
| $250,000.00 to $499,999.99 | 3.494% | 3.55% |
| $500,000.00 to $999,999.99 |
3.494% | 3.55% |
| $1,000,000.00 and over |
3.880% | 3.95% |
** Declared, paid and compounded monthly
Daily Balance
$0 to $2,499 Dividend Rate
0.050% APY
0.05%
Daily Balance
$2,500 to $9,999.99 Dividend Rate
0.995% APY
1.00%
Daily Balance
$10,000.00 to $24,999.99 Dividend Rate
1.144% APY
1.15%
Daily Balance
$25,000.00 to $49,999.99 Dividend Rate
1.687% APY
1.70%
Daily Balance
$50,000.00 to $99,999.99 Dividend Rate
2.031% APY
2.05%
Daily Balance
$100,000.00 to $249,999.99 Dividend Rate
2.667% APY
2.70%
Daily Balance
$250,000.00 to $499,999.99 Dividend Rate
3.494% APY
3.55%
Daily Balance
$500,000.00 to $999,999.99
Dividend Rate 3.494% APY 3.55%
Dividend Rate 3.494% APY 3.55%
Daily Balance
$1,000,000.00 and over
Dividend Rate 3.880% APY 3.95%
Dividend Rate 3.880% APY 3.95%
** Declared, paid and compounded monthly
Checking
Open Now Checking
| Daily Balance | Dividend Rate | APY |
|---|---|---|
| $0 to $49,999.99 | .05% | .05% |
| $50,000.00 and over | .10% | .10% |
** Declared, paid and compounded monthly
Open Now Checking
Daily Balance
$0 to $49,999.99 Dividend Rate
.05% APY
.05%
Daily Balance
$50,000.00 and over Dividend Rate
.10% APY
.10%
** Declared, paid and compounded monthly
Teen Learn & Earn Savings
Open Now Teen Learn & Earn Savings
| Daily Balance | Dividend Rate | APY |
|---|---|---|
| $0.00 to $1,000.00 | 4.889% | 5.00% |
| $1,000.01 and over | .050% | .05% |
* Dividends are declared, paid, and compounded monthly. Rates subject to change at any time. Learn & Earn Savings tiered rate on average daily balance of $0.01 to $1,000.00. Balances of $1,000.01 and higher earn dividends at the same rate as Regular Share Savings.
Open Now Teen Learn & Earn Savings
Daily Balance
$0.00 to $1,000.00 Dividend Rate
4.889% APY
5.00%
Daily Balance
$1,000.01 and over Dividend Rate
.050% APY
.05%
* Dividends are declared, paid, and compounded monthly. Rates subject to change at any time. Learn & Earn Savings tiered rate on average daily balance of $0.01 to $1,000.00. Balances of $1,000.01 and higher earn dividends at the same rate as Regular Share Savings.
Rates as of 6/6/2025 | Rates subject to change at any time
The products and services on this page are offered through LPL Financial or its affiliates by Registered Representatives of LPL Financial. These products and services are not credit union deposits, not credit union guaranteed, not insured by NCUA or any other government agency, and may lose value. Cyprus Credit Union is a separate entity and is not affiliated with LPL Financial.
Links from the Cyprus Credit Union web site to other web sites are provided solely as a convenience to visitors.
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If you decide to access any of the linked third-party web sites, you do so entirely at your own risk. You are encouraged to review the privacy notice for each linked web site.
The Credit Union does not have any responsibility or control over any of these external web sites, their content or their privacy policies. We do not endorse or make any representations about third-party external web sites, including any information, products, materials or results that may be obtained from using them.
If you decide to access any of the linked third-party web sites, you do so entirely at your own risk. You are encouraged to review the privacy notice for each linked web site.
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