--- title: "CY-Fair Credit Union Rates (Nov 2026): CDs to 3.80%" description: "CY-Fair Credit Union rates today: savings & CDs up to 3.80% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join CY-Fair Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/cy-fair" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # CY-Fair Credit Union Rates (Nov 2026): CDs to 3.80% ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity Amounts from $30,000.00 - $500,000** heloc | — APR | 4.500% | — | Standard | CY-Fair Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Lifestyle Signature Loan** personal_unsecured_60mo | — APR | 10.000% | 60 mo | Standard | | **60-Month Signature Loan** personal_unsecured_60mo | — APR | 10.990% | 60 mo | Standard | CY-Fair Credit Union personal loan rates as of November 13, 2026 ### Savings & CD rates 13 offers | Product | Published | Rate | Term / condition | Status | | **Z-Checking Qualifications NOT Met** checking | — APY | 0.01% | — | Standard | | **Eclipse Checking** checking | — APY | 0.02% | — | Standard | | **Secondary Savings+ Secured Credit Card Savings** savings | 0.02% APY | 0.02% | — | Standard | | **IRA** ira | 0.02% APY | 0.02% | — | Standard | | **Tandem Advantage Money Market** money_market | 0.05% APY | 0.05% | — | Standard | | **Z-Checking Qualifications MET** checking | — APY | 0.50% | — | Standard | | **Onyx Money Market** money_market | 1.00% APY | 1.00% | — | Standard | | **6-Month Certificate** share_certificate_6mo | 3.40% APY | 3.34% | 6 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 3.45% APY | 3.39% | 12 mo | Standard | | **24-Month Certificate** share_certificate_24mo | 3.50% APY | 3.44% | 24 mo | Standard | | **36-Month Certificate** share_certificate_36mo | 3.60% APY | 3.54% | 36 mo | Standard | | **48-Month Certificate** share_certificate_48mo | 3.70% APY | 3.64% | 48 mo | Standard | | **60-Month Certificate** share_certificate_60mo | 3.80% APY | 3.74% | 60 mo | Standard | CY-Fair Credit Union savings & cd rates as of November 13, 2026 Savings and certificate yields up to 3.80% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/cy-fair) , verified from [CY-Fair Credit Union's official website](https://www.cyfairfcu.org/) Loading branch locator… ## About CY-Fair Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 25.9K Assets $387.3M Founded 1956 Locations reported 7 NCUA charter 11452 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Bilingual services - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Energy Capital** Northwest Community Branch · Houston · TX · 77065 Branch in the same ZIP](https://rateapi.dev/credit-unions/texas/energy-capital) [**Resource One** Jones Rd · Houston · TX · 77065 About 1.9 miles away](https://rateapi.dev/credit-unions/texas/resource-one) [**Credit Human** Fallbrook · Houston · TX · 77064 About 3.0 miles away](https://rateapi.dev/credit-unions/texas/credit-human) [**Houston Police** Willowbrook Branch · Houston · TX · 77064-1100 About 3.7 miles away](https://rateapi.dev/credit-unions/texas/houston-police) [**First Community** Administration · Houston · TX · 77095-3252 About 3.9 miles away](https://rateapi.dev/credit-unions/texas/first-community) [**Houston** Northwest · Houston · TX · 77070-1648 About 4.1 miles away](https://rateapi.dev/credit-unions/texas/houston) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join CY-Fair Credit Union Membership eligibility from CY-Fair Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on CY-Fair Credit Union's website. Check the membership page below to confirm whether you qualify. - Location harris, waller — TX Verified from [CY-Fair Credit Union's membership page](https://www.cyfairfcu.org/our-story) . Final membership determination is always made by the credit union. ## Membership rules for CY-Fair Credit Union Geography 2 counties · Family 30 published paths to membership, last verified August 27, 2026, quoted from CY-Fair Credit Union’s own published criteria. ### Geography 7 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Harris County, TX - Waller County, TX - ZIP 77423 - ZIP 77445 - ZIP 77446 - ZIP 77447 - ZIP 77484 “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Harris County, TX; Waller County, TX” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family “Today, membership is open to individuals who either live, work, worship or go to school in Harris County or parts of Waller County, as well as to anyone who has immediate family who are currently members of Cy-Fair FCU.” > [source ↗](https://www.cyfairfcu.org/our-story) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for CY-Fair Credit Union? Yes No ## Work at CY-Fair Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where CY-Fair Credit Union ranks against Texas peers. - See which AI assistants fetched CY-Fair Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=cy-fair&state=texas&code=TX&name=CY-Fair%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does CY-Fair Credit Union offer? CY-Fair Credit Union currently offers HELOC, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are CY-Fair Credit Union rates updated? RateAPI verifies CY-Fair Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get CY-Fair Credit Union's rate data? Rate data is collected directly from CY-Fair Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is CY-Fair Credit Union's best CD rate? As of November 13, 2026, CY-Fair Credit Union offers savings and certificate (CD) yields up to 3.80% APY. ### Who can join CY-Fair Credit Union? CY-Fair Credit Union publishes its membership criteria on its own website. RateAPI tracks 30 published membership paths covering 2 counties for CY-Fair Credit Union, each quoted from CY-Fair Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare CY-Fair Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas HELOC rate leaders](https://rateapi.dev/heloc-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.cyfairfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track CY-Fair Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for CY-Fair Credit Union curl "https://api.rateapi.dev/credit-unions/texas /cy-fair " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## CY-Fair Credit Union locations Search, filter, and browse all 7 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/texas/cy-fair Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp