Protect Yourself from the Unpredictable
We understand that sometimes life happens, and it can lead to an overdrafted account. That’s why we offer an overdraft line of credit to protect your checking account from the unexpected.
How does Overdraft Protection work?
Overdraft Protection with Cyprus is a line of credit attached to your checking account. If you spend all of the money in your checking account, or have an emergency, you can borrow against your overdraft line of credit. Instead of bouncing checks or having a purchase declined and paying large fees, you can borrow a few dollars at a time to cover the transaction.
Enjoy Complete Financial Peace of Mind
Our overdraft protection automatically covers shortfalls, offering convenient fund transfers and no annual fees to protect your account.
Automatic overdraft coverage
Eligible checks and transactions are covered automatically when your checking balance falls short.
Convenient access to funds
Transfer money through Home Banking whenever you know you’ll need extra funds in your checking account.
No annual fees and low monthly payments
Get added financial flexibility to help keep costs manageable and protect your account from unnecessary fees.
Provide practical decision info
| Vehicle Year | Loan Term | APR as low as |
|---|---|---|
| 2017-2027 | Up to 60 months | 4.99% |
| 2017-2027 | 61 to 72 months | 5.24% |
| 2017-2027 | 73 to 84 months | 5.99% |
Advertised APR includes a 0.50% loan-rate discount for qualifying Dream Rewards Checking relationships. Other terms and conditions may apply.
Provide clear access to disclosures, fee schedule, rates, account terms:
Explain the application process in simple steps
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Guidance & support
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What you may need
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Meet the Mortgage Team
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More Ways to Manage Your Money
Signature Loans
Get funds to consolidate debt, cover medical expenses, or take some time off, with a personal loan that offers competitive rates and flexible repayment options.
Fast Funds Loans
Tap into fast cash with a personal loan that doesn’t require a credit check for more immediate financial needs.
Visa Credit Cards
Discover the right credit card for your spending needs. Whether you want cash back from daily spending or a low rate card to build credit.
Overdraft Protection FAQs
Do I pay interest on my overdraft protection line of credit?
Yes. Interest applies to the amount you borrow, starting when the line of credit is posted to your account. Review your loan terms for additional details about rates and payments.
Is there a limit on how much Overdraft Protection covers?
Yes. The amount Overdraft Protection covers depends on your approved line of credit limit. If you need more coverage, contact Cyprus Credit Union to discuss your options.
What happens if I don’t have Overdraft Protection?
Without Overdraft Protection, transactions that exceed your available balance may be declined, or checks and other payments may go unpaid. Additional charges may be assessed depending on the transaction and your account terms.
Get Overdraft Protection today
Make sure you’re covered for when the unexpected happens. Request an overdraft line of credit with Cyprus Credit Union and give yourself an easy way to add a layer of protection to your finances.
You can also learn more by calling 801-260-7700 or visiting one of our branch locations.
