Certificate Accounts

Earn More Savings with a High-Yield Share Certificate

Cyprus Credit Union offers competitive, high CD rates in Utah with flexible terms starting from six months to five years*. The longer your term, the higher your earnings! 


OPEN AN ACCOUNT  Rates  Calculate your Investment

          

Home Banking

Forgot Password | Enroll

Certificate Accounts, IRA Certificate Accounts and Dream Certificates
Term Dividend Rate APY
6 month Certificate (CD) 4.314% 4.40%
12 month Certificate (CD) 4.266% 4.35%
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 Dream CD maximum per member. Promotional rates are not eligible for bump rate increases.

 

Why Choose a Certificate Over a High-Yield Savings Account?

A high-yield saving account allows flexible access, but a Share Certificate (CD) locks in a fixed rate, ensuring guaranteed growth over time.

Flexible Terms to Match Your Savings Goals

With terms ranging from six months to five years, Cyprus Credit Union Certificates provide a variety of options to fit your financial needs.

Big Savings, Protected for You

Get peace of mind knowing your hard-earned money is secure. All Certificate accounts are federally insured up to $250,000 by the NCUA, ensuring your money remains safe while it grows.

 

OPEN AN ACCOUNT  Rates  Calculate your Investment

          

 

FAQs

Why should I get a certificate through a credit union?
Opening a certificate account through Cyprus Credit Union gets you flexible terms, federally insured funds, and higher rates, so you can boost your savings. 
How does a high-yield savings account differ from a regular savings account?
High-yield savings accounts allow you to save even more since we offer higher interest rates than traditional accounts. 
Can I access my funds at any time?
While you can withdraw from your account at any time, early withdrawal penalties may apply to each withdrawal. 
Do high-yield savings account rates change?
Rates are variable and can change depending on market fluctuations. 
How can I get the most savings out of my certificate account?
To get the most savings out of your account, consider longer terms. Also, make sure you don’t make withdrawals, so you don’t lose value from early withdrawal penalties.  

 

Open a Certificate Account

New to Cyprus

Join Cyprus and we will open your certificate during the application process.

Cyprus Members

Chat, call, or visit any of our branch locations to get started.

 

 

Certificates

APY as high as 4.40%

Money Market

APY AS HIGH AS 4.10%

Share Savings

APY .05%

 

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

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.
You are about to send an e-mail message to Cyprus Credit Union or to one of our partner associations.

 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.