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Dream Certificate
Start Small and Save Big with a Dream Certificate
Enjoy competitive rates in Utah with a high-yield savings account from Cyprus Credit Union. Start small and watch your savings grow effortlessly!
Unlike traditional savings accounts, the Dream Certificate offers high dividend rates with the flexibility to make ongoing contributions, helping you build your savings faster. Set up automatic monthly deposits of at least $10 to unlock some great features.
Competitive CD Rates in Utah—Start with Just $20
Open a Dream Certificate with as little as $20 and earn the same rates as a traditional certificate.
Boost Your Savings
Your Dream Certificate comes with a one-time bump. If rates increase during your certificate term, you can receive a new rate increase (upon your request).
Access Your Money When You Need It
Life happens. With a Dream Certificate, you can make a one-time early withdrawal of up to 25% of your balance without penalties, ensuring financial flexibility when you need it most.
Save More
Make contributions throughout the entirety of your certificate’s term.
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.
How to Open a Dream Certificate with Cyprus Credit Union
Getting started is simple. Existing Cyprus members can open a Dream Certificate by chatting, calling, or visiting any of our branch locations. New members can join Cyprus and open an account during the application process.
Earn Big Savings Today!
Take control of your financial future with a high-yield savings account from Cyprus Credit Union. Apply online or call us at 801-260-7600 (dial option 4) to get started!
FAQs
Certificates
APY as high as 4.35%Money Market
APY AS HIGH AS 4.10%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.
Links from the Cyprus Credit Union web site to other web sites are provided solely as a convenience to visitors.
If you use these links, you will leave the Cyprus Credit Union 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.
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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Please do not send any personal financial information via Email.
E-mail transmission cannot be guaranteed to be secure and information
could be intercepted, lost, or contain viruses.
Please do not send any personal financial information via Email.
E-mail transmission cannot be guaranteed to be secure and information
could be intercepted, lost, or contain viruses.
