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Cy-Fair Federal Credit Union


Overview / Commentary
281-890-7676
9601 Jones Rd Suite 100
Houston, TX 77065

Cy-Fair Federal Credit Union is headquartered in Houston and is the 77th largest credit union in the state of Texas. It is also the 922nd largest credit union in the nation. It was established in 1956 and as of March of 2019, it had grown to 60 employees and 25,305 members at 4 locations. Cy-Fair Federal Credit Union's CD rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

Must live, work, worship or attend school within the boundaries of Cypress-Fairbanks Independent School District. Also open to those who live work, worship or attend school in the following zip codes of Waller County: 77423, 77445, 77484, 77446 or parts of 77447.
See current membership details

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

Health Grade Components

Overall
NCUA #11452
Year Chartered1956
Employees60
Primary Regulator
Profit Margin
Return on Assets - YTD0.26%
Return on Equity - YTD2.83%
Annual Interest Income$2.5MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$252.0MM$246.2MM
LoansQ1 2019vs Q1 2018$196.9MM$178.9MM
DepositsQ1 2019vs Q1 2018$227.8MM$224.6MM
Equity CapitalQ1 2019vs Q1 2018$22.5MM$20.0MM
Loan Loss AllowanceQ1 2019vs Q1 2018$1.4MM$1.4MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$929.00K$1.6MM
Real Estate OwnedQ1 2019vs Q1 2018$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$1k-IRA Savings
0.02%$50-Christmas Club Savings
0.02%$1k-Regular Savings

Cy-Fair Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$100k*-Money Market
OTHER TIERS: 0.20% $1k - $10k | 0.30% $10k - $25k | 0.35% $25k - $50k | 0.50% $50k - $100k

Cy-Fair Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.02%$2k-Advantage Plus Checking

Cy-Fair Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.63%*$100k*-36 Month Share Certificate
OTHER TIERS: 2.02% $2.5k - $5k | 2.52% $5k - $100k
2.63%*$100k*-48 Month Share Certificate
OTHER TIERS: 2.02% $2.5k - $5k | 2.52% $5k - $100k
2.63%*$100k*-60 Month Share Certificate
OTHER TIERS: 2.02% $2.5k - $5k | 2.52% $5k - $100k
2.27%*$25k*-12 Month Share Certificate
OTHER TIERS: 2.02% $2.5k - $25k
2.27%*$25k*-24 Month Share Certificate
OTHER TIERS: 2.02% $2.5k - $25k
0.65%*$100k*-6 Month Share Certificate
OTHER TIERS: 0.50% $2.5k - $100k

Cy-Fair Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%$2.5k-60 Month IRA Certificate
0.30%$2.5k-48 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
Locations


Cy-Fair Federal Credit Union Locations
Main Office9601 Jones RdHouston, TX 77065
Branch Office13525 Skinner RdCypress, TX 77429
Ranchstone Drive-Thru/ATM 11002 Ranchstone DriveHouston, TX 77064
Lone Star College - Cy Fair ATM9191 Barker Cypress RoadCypress, TX 77433

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