Cy-fair Federal Credit Union

Headquarters

9601 Jones Rd, Suite 200
Houston, TX 77065
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Notable Rates APY Vs.Others
Savings 0.02% 4.35% →
1-Year CD 0.25% 4.59% →
2-Year CD 0.30% 4.50% →
5-Year CD 0.35% 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2026 Overview

General Credit Union Information

Cy-fair is an NCUA insured institution located in Houston, TX. It was founded in 1956 and has approximately $387.25 millions in assets.

Who can join?

Cy-Fair Federal Credit Union is open to persons satisfying one or more of the following requirements:

Individuals who live, work, worship or attend school within the boundaries of Cypress-Fairbanks Independent School District (CFISD).

Individuals who live, work, worship or attend school in the following zip codes of Waller County: 77423, 77445, 77484, 77446, and 77447.

Individuals with immediate family members who are currently members of Cy-Fair Federal Credit Union

Select employer groups

NCUA Insured Yes / Federally Chartered
Charter Number # # 11452
Date Established 1956
Assets $387.25 million
Loans $241.88 million
Deposits $350.98 million
Capital $35.27 million
 

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.

Deposit Rates - September 30, 2026

Your Current Location: Idaho, ID

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.02% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.10% $10,000 $14,999 Learn More
6 Mo CD
0.15% $100,000 $199,999 Learn More
12 Mo CD
0.20% $10,000 $14,999 Learn More
12 Mo CD
0.25% $100,000 $199,999 Learn More
24 Mo CD
0.25% $10,000 $14,999 Learn More
24 Mo CD
0.30% $100,000 $199,999 Learn More
36 Mo CD
0.30% $10,000 $14,999 Learn More
36 Mo CD
0.35% $100,000 $199,999 Learn More
48 Mo CD
0.35% $10,000 $14,999 Learn More
48 Mo CD
0.35% $100,000 $199,999 Learn More
60 Mo CD
0.35% $10,000 $14,999 Learn More
60 Mo CD
0.35% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.02% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 30, 2026

Your Current Location: Idaho, ID

There are currently no loan rates available for Cy-fair

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Idaho 30 Year Fixed Mortgage Rates 2026

View more mortgage rates

Featured - Idaho Home Equity Line Of Credit Rates 2026

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Branches

Below are Cy-fair branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Burley,Idaho



Climate Policy and Initiatives

CY-FAIR is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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Financial Details

Cy-fair Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Cy-fair. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Cy-fair U.S. Average
10.52% 6.78

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2025, Cy-fair had $3,765,610 in non-current loans and $83,543 in owned assets. To cover these potential losses it had $35,266,649 in net worth and $1,337,712 in loans loss reserves. That gives it a Texas Ratio of 10.52%.

Net Worth
Cy-fair U.S. Average
9.31% 14.48%

Cy-fair FCU has a net worth of 9.31% versus the BestCashCow average of 14.48. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for Cy-fair

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