Cy-fair Federal Credit Union
Headquarters
9601 Jones Rd, Suite 200
Houston, TX 77065
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2024 Overview
General Credit Union Information
Cy-fair is an NCUA insured institution located in Houston, TX. It was founded in 1956 and has approximately $344.69 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
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| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 11452 |
| Date Established | 1956 |
| Assets | $344.69 million |
| Loans | $241.62 million |
| Deposits | $312.31 million |
| Capital | $32.01 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 - November 4, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.02% | $2,500 | $4,999 |
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|
|
Money Market
|
0.05% | $2,500 | $2,999 |
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|
|
Money Market
|
0.10% | $10,000 | $14,999 |
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|
|
Money Market
|
0.10% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.10% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.15% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.20% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.30% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.02% | $2,500 | $3,499 | Learn More |
Loan Rates - November 4, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.380% | 6.250% | 0.88 | $4,400 | $1,971 | Learn More |
NMLS ID: 401822 |
6.818% | 6.625% | 1.00 | $6,400 | $2,049 | Learn More |
NMLS ID: 1025894 |
6.984% | 6.875% | 0.88 | $3,545 | $2,103 | Learn More |
NMLS ID: 3030 |
7.200% | 7.125% | 0.75 | $2,400 | $2,156 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to Cy-fair
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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:
Columbus,Ohio
Cy-fair Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 962.87 | A | View Lobby Hours | |
| 963.76 | B | View Lobby Hours | |
| 967.44 | C | View Lobby Hours | |
| 969.12 | D | View Lobby Hours |
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 |
|---|---|
| 9.57% | 5.83 |
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 June 30, 2024, Cy-fair had $3,161,965 in non-current loans and $30,616 in owned assets. To cover these potential losses it had $32,008,403 in net worth and $1,337,712 in loans loss reserves. That gives it a Texas Ratio of 9.57%.
Net Worth
| Cy-fair | U.S. Average |
|---|---|
| 9.44% | 13.93% |
Cy-fair FCU has a net worth of 9.44% versus the BestCashCow average of 13.93. 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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