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Dream Certificate
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
| Term | Dividend Rate | APY |
|---|---|---|
| 6 month Certificate (CD) | 4.410% | 4.50% |
| 12 month Certificate (CD) | 4.362% | 4.45% |
| 18 month Certificate (CD) | 4.025% | 4.10% |
| 24 month Certificate (CD) | 4.025% | 4.10% |
| 36 month Certificate (CD) | 3.928% | 4.00% |
| 48 month Certificate (CD) | 3.784% | 3.85% |
| 60 month Certificate (CD) | 3.832% | 3.90% |
Term
6 month Certificate (CD) Dividend Rate
4.410% APY
4.50%
Term
12 month Certificate (CD) Dividend Rate
4.362% APY
4.45%
Term
18 month Certificate (CD) Dividend Rate
4.025% APY
4.10%
Term
24 month Certificate (CD) Dividend Rate
4.025% APY
4.10%
Term
36 month Certificate (CD) Dividend Rate
3.928% APY
4.00%
Term
48 month Certificate (CD) Dividend Rate
3.784% APY
3.85%
Term
60 month Certificate (CD) Dividend Rate
3.832% APY
3.90%
Open a Dream Certificate Account
New to Cyprus
Join Cyprus and we will open your Dream Certificate during the application process.
Cyprus Members
Chat, call, or visit a branch to get started.
Certificates
APY as high as 4.50%Money Market
APY AS HIGH AS 4.25%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.
