Dream Certificate

Start small and save big with a Dream Certificate from Cyprus Credit Union. Enjoy the flexible terms and high yields of a traditional Certificate make this a great way to save for a big purchase, vacation, or life event. Simply set up a $10 minimum monthly automatic deposit from your Cyprus Dream Checking account to unlock amazing features including: 

  • Earn More – If rates go up during your term, you can have a one-time bump on your rate
  • Start Small – Dream Certificates require as little as $20 deposit to open compared to regular Certificates which require an initial deposit of at least $1,000.
  • Save Big – Save on your terms while earning the same rates as traditional Certificates
  • Be Prepared – Did an unexpected expense come up? No worries, you can make a one-time withdrawal of up to 25% of the current balance without penalty
  • Keep Adding – With Dream Certificates, you can keep adding money throughout the entirety of the Certificate’s term up to $100,000.
  • Pair Up – Pair our Dream Certificate with other products, such as a mortgage, to help pay for home upgrades and repairs


Certificate Accounts

A Certificate Account pays a higher interest rate than a savings account. Certificates are less liquid than a share savings account, meaning you must invest your money for a specific length of time: six months to five years. The longer the Certificates deposit time, the higher the interest rate. If you withdraw your money early, you pay a penalty (see our membership and account agreement for penalties). Cyprus Credit Union Certificates are federally insured to $250,000 by the NCUA. You can open a Certificate for $1,000 or more. 


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