Dream Certificate

Home Banking

Start Small, Save Big.

With the flexible terms and high yields of a traditional certificate, a Dream Certificate offers Dream Checking members a great way to save for a large purchase, vacation, or life event. Simply set up an automatic, monthly deposit of at least $10 from your Cyprus Dream Checking account to unlock these great features.


Start Small
Open your Dream Certificate with as little as $20.

Earn Big
Starting out small doesn't have to mean low savings rates. By depositing your funds into a Dream Certificate, you'll earn dividends at the same rate as a traditional certificate.

Boost Your Savings
Your Dream Certificate comes with a one-time bump. If rates increase during the term of your certificate, you can receive the new rate (upon your request).

Be Prepared
Life comes with unexpected expenses. Should you need pull funds from your Dream Certificate before maturity, you are allowed a one-time early withdrawal of up to 25% of the balance without a penalty.

Save More
Make contributions throughout the entirety of your certificate’s term (up to $100,000 per social security number).


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.




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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