Cy-Fair Federal Credit Union

Overview / Commentary
9601 Jones Rd Suite 100
Houston, TX 77065

Cy-Fair Federal Credit Union is headquartered in Houston and is the 72nd largest credit union in the state of Texas. It is also the 875th largest credit union in the nation. It was established in 1956 and as of June of 2020, it had grown to 64 employees and 24,533 members at 2 locations. Cy-Fair Federal Credit Union has an A health rating.

Field of Membership Restrictions

Cy Fair Federal Credit Union is open to those who live, work, worship or attend school in Harris County (TX) or the following zip codes of Waller County (TX): 77423, 77484, 77445, 77447, 77446. Immediate family of current credit union members are also eligible.
See current membership details

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Cy-Fair Federal Credit Union (TX) 12-Month CD Earns 2.35% APY - 12/13/2019

Cy-Fair Federal Credit Union's (Texas) 12-month Share Certificate has tiered APYs, earning 2.35% ($25k minimum) and 1.95% (2.5k minimum).

Reviews (1)

The Worst!!!!!

I am currently in the process of closing my account with Cy fair credit union. I initiallly joined the credit union to build my credit to eventily purchase a home. Well,let's start with the $7 maintenence fee that I pay once a month,I wouldn't mind paying it,if there were perks associated with it,but there are none! Recently,the credit union offered a new service to deposit checks by taking a picture of them. When I appli for it,I was denied because of too many courtesy pay fees. Yes,I did have a total of 3 within a 6 month period,but none were my fault,and they were refunded to me,but I was still denied the privilege of using the service! Next,the credit union switched card providers(that is the way it was explained to me by a teller) this caused my card to decline at several places when I tried to use it. The teller told me to call them next time it declined,but the bank closes at 6 during the week,and 1 on Saturdays,so anytime after that,you're on your own! Talk about embarrassing!!! My card declined while I was out having dinner with co workers,embarassed would be an understatement to describe how I felt! To add fuel to the fire,Sunday I had to pay someone in cash,so I went by the credit union to use the ATM,so that I could avoid the fee of using another ATM,the atm gave me an error code. I ultimately had to use another ATM and pay a $3 fee! Do not bank with cyfair credit union unless you enjoy shenanigans like these!!!!!


Health Grade Components

NCUA #11452
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD-0.38%
Return on Equity - YTD-4.6%
Annual Interest Income$5.1MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$306.2MM$252.9MM
LoansQ2 2020vs Q2 2019$214.8MM$201.0MM
DepositsQ2 2020vs Q2 2019$279.7MM$228.3MM
Equity CapitalQ2 2020vs Q2 2019$24.1MM$23.2MM
Loan Loss AllowanceQ2 2020vs Q2 2019$1.7MM$1.5MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$360.00K$1.3MM
Real Estate OwnedQ2 2020vs Q2 2019$0$0
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Always verify rates and promotions with the bank or credit union. We are not Cy-Fair Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Cy-Fair Federal Credit Union Savings Account Rates

0.05%$1k-IRA Savings
0.02%$50-Christmas Club Savings
0.02%$1k-Regular Savings
0.02%$25-SuperStar Savers Kid's Club+
0.02%$25-Secondary Savings+
0.02%$25-Secured Credit Card Savings

Cy-Fair Federal Credit Union Money Market Rates

0.15%*$25k*-Business Money Market
OTHER TIERS: 0.05% $1k - $10k | 0.10% $10k - $25k
0.10%*$10k*-Money Market
OTHER TIERS: 0.05% $1k - $10k

Cy-Fair Federal Credit Union Checking Account Rates

OTHER TIERS: 0.30% $25k+
0.15%*-$30kBusiness Premier Checking
OTHER TIERS: 0.05% $30k+
0.02%$2k-Advantage Plus Checking

Cy-Fair Federal Credit Union CD Rates

0.35%*$25k*-36 Month Share Certificate
OTHER TIERS: 0.30% $2.5k - $25k
0.35%$2.5k-48 Month Share Certificate
0.35%$2.5k-60 Month Share Certificate
0.30%*$25k*-24 Month Share Certificate
OTHER TIERS: 0.25% $2.5k - $25k
0.25%*$25k*-12 Month Share Certificate
OTHER TIERS: 0.20% $2.5k - $25k
0.15%*$25k*-6 Month Share Certificate
OTHER TIERS: 0.10% $2.5k - $25k

Cy-Fair Federal Credit Union IRA Rates

0.30%$2.5k-48 Month IRA Certificate
0.30%$2.5k-60 Month IRA Certificate
0.25%$2.5k-36 Month IRA Certificate
0.15%$2.5k-24 Month IRA Certificate
0.08%$2.5k-12 Month IRA Certificate
0.04%$2.5k-6 Month IRA Certificate

Cy-Fair Federal Credit Union Locations
Ranchstone Drive-Thru/ATM 11002 Ranchstone DriveHouston, TX 77064
Lone Star College - Cy Fair ATM9191 Barker Cypress RoadCypress, TX 77433

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