Save your money

[{Savings Accounts}] Regular Savings

Go from saving to earning with our Regular Savings account, automatically opened when you join Cy-Fair Credit Union as part of your membership.

  • No monthly maintenance fees
  • Payroll deduction available to make regular deposits automatic
  • Minimum average daily balance of $1,000.00 to earn dividends 




Save for the holidays

Christmas Club Savings

Save for the holidays throughout the year.

  • Minimum deposit $10.00
  • Minimum average daily balance $50.00 to earn dividends
  • Unlimited deposits & payroll deduction available

All funds will be transferred to your regular savings account on November 1st of each year, just in time to start your holiday shopping!





Have a higher savings balance, save more with a money market account

Money Market

Have a higher savings balance? Earn higher dividend rates without having to commit your money for any length of time.

  • Minimum balance of $2,500.00 required
  • Six withdrawals per month allowed online
  • Unlimited transactions through our lobby

Dividends are paid monthly based on your average daily balance. Minimum balance required to keep account active and earn dividends.





Open a Kids Club

Kids Club

Teach your kids or grand kids how to manage - and make - money with their very own savings account. Cy-Fair FCU Kids Club is designed just for our young members, ages 5 to 12.

  • Minimum balance of $5.00 required
  • Fun games and activities help kids learn about money
  • A parent or guardian is required to set up account*
* A parent or legal guardian must sign as a joint owner on the account until you reach the age of 13. Parents new to Cy-Fair will be required to pay a one-time membership fee of $5.00 to become a member-owner of the credit union.

+Your savings are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency.


[{FAQs}] FAQs


  • Savings Rates

    Share Savings Rates

    Account Description Posting Frequency Minimum Average Daily Balance to Earn Dividends Dividend Rate APY
    Advantage Plus Checking Monthly $2,000.00 0.02% 0.02%
    Money Market Monthly $1,000 - $9,999 0.20% 0.20%
    $10,000 - $24,999 0.30% 0.30%
    $25,000 - $49,999 0.35% 0.35%
    $50,000 - $99,999 0.50% 0.50%
    Over $100K 0.60% 0.60%
    Star Club Checking+ Monthly N/A 0.02% 0.02%
    Christmas Club Savings Monthly $50,00 0.02% 0.02%
    Regular Savings Quarterly $25,00 0.02% 0.02%
    $25,000.01 0.02% 0.03%
    $50,000.01 0.02% 0.02%
    SuperStar Savers Kid's Club+ Quarterly $25,00 0.02% 0.02%
    $25,000.01 0.02% 0.03%
    $50,000.01 0.02% 0.02%
    Secondary Savings+
    Secured Credit Card Savings
    Quarterly $25,00 0.02% 0.02%
    $25,000.01 0.02% 0.03%
    $50,000.01 0.02% 0.02%
    Team Green Savings Quarterly $25,00 0.02% 0.02%
    $25,000.01 0.02% 0.03%
    $50,000.01 0.02% 0.02%
    IRA Savings Quarterly $1,000 0.02% 0.02%

    Share Certificates

    Account Description Posting Frequency Minimum Average Daily Balance to Earn Dividends Dividend Rate APY
    6 Month Share Certificate Quarterly $2,500 - $4,999 0.50% 0.50%
    $5,000 - $24,999 0.50% 0.50%
    $25,000 - $99,999 0.50% 0.50%
    Over $100K 0.65% 0.65%
    12 Month Share Certificate Quarterly $2,500 - $4,999 1.94% 1.95%
    $5,000 - $24,999 1.94% 1.95%
    $25,000 - $99,999 2.33% 2.35%
    Over $100K 2.33% 2.35%
    24 Month Share Certificate Quarterly $2,500 - $4,999 2.18% 2.20%
    $5,000 - $24,999 2.18% 2.20%
    $25,000 - $99,999 2.25% 2.27%
    Over $100K 2.25% 2.27%
    36 Month Share Certificate Quarterly $2,500 - $4,999 2.00% 2.02%
    $5,000 - $24,999 2.57% 2.60%
    $25,000 - $99,999 2.57% 2.60%
    Over $100K 2.62% 2.65%
    48 Month Share Certificate Quarterly $2,500 - $4,999 2.00% 2.02%
    $5,000 - $24,999 2.50% 2.52%
    $25,000 - $99,999 2.50% 2.52%
    Over $100K 2.60% 2.63%
    60 Month Share Certificate Quarterly $2,500 - $4,999 2.00% 2.02%
    $5,000 - $24,999 2.50% 2.52%
    $25,000 - $99,999 2.50% 2.52%
    Over $100K 2.60% 2.63%
  • Savings Calculator

    Enter your information in the fields below to find out how well your money can work for you.


    Final Savings Amount:

    The information provided by this calculator is intended for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. This is an estimate only, your actual payment may vary. Be sure to consult a financial professional prior to relying on the results.