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 78th largest credit union in the state of Texas. It is also the 946th largest credit union in the nation. It was established in 1956 and as of September of 2023, it had grown to 74 employees and 24,972 members at 5 locations. Cy-Fair Federal Credit Union has a B 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

Reviews (2)

Customer Experience.

Posted by: |

So I've been with cyfair credit Union for about 3 years now, I always go to one specific account assistant, Which it creates more of a personal one-on-one relationship with the customer, I have been going to Jose Olivares for about 3 years, and not have once I've been disappointed, Jose has helped me from refinancing my car to lower payments to helping getting approved for a Loan, Jose is great at guiding when it comes from finances to building great credit. Jose thank you for your service.

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 - YTD1.42%
Return on Equity - YTD19.76%
Annual Interest Income$9.6MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$333.5MM$336.5MM
LoansQ3 2023vs Q3 2022$238.3MM$209.2MM
DepositsQ3 2023vs Q3 2022$306.7MM$313.4MM
Equity CapitalQ3 2023vs Q3 2022$23.9MM$20.8MM
Loan Loss AllowanceQ3 2023vs Q3 2022$2MM$1.1MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$543K$208K
Real Estate OwnedQ3 2023vs Q3 2022$0$0

Rates for Cy-Fair Federal Credit Union are currently being reviewed.


Cy-Fair Federal Credit Union Locations
Branch Office104 FM 1098 University DrPrairie View, TX 77446
Branch Office9601 Jones RdHouston, TX 77065
Branch Office13525 Skinner RdCypress, TX 77429
Branch Office7060 Highway 6 NHouston, TX 77095-2056
Branch Office9915 Barker Cypress Rd Suite 160Cypress, TX 77433

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