Certificate Accounts

Boost your savings with a Share Certificate.

Certificates earn higher dividends than traditional savings accounts helping you grow your money at a faster rate. All Cyprus Certificates feature:

  • Higher Earnings - Earn a higher yield than a traditional shared savings account.
  • Flexible Terms - With terms ranging from six months to five years, there's a Certificate to fit your savings goal. The longer the term, the higher your earnings will be.
  • Secured Savings - Your funds Certificate are federally insured by the NCUA for up to $250,000.

Early withdrawal penalties may apply. Share Certificates require an initial deposit of at least $1,000.


Certificate Accounts, IRA Certificate Accounts and Dream Certificates Open Now Certificate Accounts, IRA Certificate Accounts and Dream Certificates
Term Dividend Rate APY
6 month Certificate (CD) 4.889% 5.00%
12 month Certificate (CD) 5.128% 5.25%
18 month Certificate (CD) 4.410% 4.50%
24 month Certificate (CD) 4.410% 4.50%
36 month Certificate (CD) 4.121% 4.20%
48 month Certificate (CD) 3.928% 4.00%
60 month Certificate (CD) 3.928% 4.00%
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 Dream CD maximum per member. Promotional rates are not eligible for bump rate increases.

Current members can call or visit a branch to get started. If you aren't a member, open an account and we will open your certificate during the application process.



Home Banking


APY as high as 5.25%

Money Market


Share Savings

APY .05%
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.
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