Rates

Rates as of 10/01/2026, variable rates may change. Membership and eligibility required.

Loan Rates

Looking for current rates on vehicle, RV and motorcycle, credit card, personal, or home loans? You’re in the right place. Compare APRs, terms, and key details by loan type below. Rates are subject to change, and membership and eligibility are required.

View Loan Rates

New & Used Cars and Trucks

Vehicle Year Loan Term APR as low as
2017-2027 Up to 60 months 5.24%
2017-2027 61 to 72 months 5.49%
2017-2027 73 to 84 months 6.24%
Apply Online

 *Advertised APR includes a 0.50% loan rate discount provided to those with a Dream Rewards Checking.

Protect yourself and your vehicle with Guaranteed Asset Protection (GAP insurance), Payment Protection and Major Mechanical Protection at a low cost.
Click here for more information and quotes.

Check the NADA value of your vehicle

Rebuilt/Restored titles: 

Call Cyprus Credit Union for rates and terms. (801) 260-7700

2016 & Older Used Cars and Trucks

Vehicle Year Loan Term APR as low as
2016 & Older Up to 60 months 6.49%
2016 & Older 61 to 72 months 6.74%
Apply Online

 *Advertised APR includes a 0.50% loan rate discount provided to those with a Dream Rewards Checking.

Protect yourself and your vehicle with Guaranteed Asset Protection (GAP insurance), Payment Protection and Major Mechanical Protection at a low cost.
Click here for more information and quotes.

Check the NADA value of your vehicle

All RV's and All Motorcycles

Vehicle Year Loan Term APR as low as
2017-2027 Up to 60 months 7.99%
2017-2027 61 to 144 Months 8.24%
2017-2027 145 to 180 months 8.49%
2016 & Older Up to 60 months 8.74%
2016 & Older 61 to 84 months 9.24%
2017-2027 120 month term with a 240 month amortization. 8.74%
Apply Online

 *Advertised APR includes a 0.50% loan rate discount provided to those with a Dream Rewards Checking.

Visa Low-Rate / Rewards / Cash Back (Variable Rate Visa)

Card APR as low as
Variable Rate Low-Rate Visa Credit Card 10.74%
Variable Rate Rewards Visa Credit Card 13.24%
Variable Rate Cash Back Visa Credit Card 16.24%
Variable Rate Share-Secured Visa Credit Card 10.74%
Apply Online

No Annual Fee (see terms)

Unsecured (Signature Loans)

Loan Type Term / Formula APR as low as
Signature Loan 48 Months 12.49%
Apply Online

Share & Certificate Loans

Loan Type APR as low as
Share Secured 3.00% over highest declared dividend rate
Certificate Secured 3.00% over the CD rate
Apply Online

First Mortgage Rates

Mortgage Type Term APR as low as
View current first-mortgage rates and get a personalized quote. N/A See Rates
Get a Mortgage Rate Quote

First-mortgage rates vary by scenario. View current rates and get a personalized quote through Cyprus Credit Union's mortgage quote experience.

Short & Sweet Mortgage

Mortgage Type Term APR as low as
Short & Sweet Mortgage 10 Year 6.875%
Short & Sweet Mortgage 15 Year 7.125%
Cash-Out Refinance See First Mortgage Rates See Rates
Apply Online

Rates are subject to change. Published terms describe an owner-occupied refinance with maximum 80% LTV, minimum 680 FICO score, and the displayed maximum loan qualification.

* Rates are subject to change | Owner Occupied Refinance | Max LTV 80%  |  680 Minimum FICO score  |  $400,000 Max LTV

Second Mortgage

Mortgage Type Term APR as low as
Fixed Rate 2nd Mortgage 10 years 6.49%
Fixed Rate 2nd Mortgage 20 years 6.99%

To apply, please call 801-260-7600 ext. 5330 or contact us at homeequity@cypruscu.com .

Home Equity Line of Credit

Mortgage Type Term APR as low as
HELOC N/A 7%
Learn More

4.99% APR introductory rate available only on a new home equity line of credit (HELOC) with automatic payments from a Cyprus Checking account. Introductory rate available for the first six (6) months after opening. 

HELOC Default Rate

APR as low as 7.00% (prime rate +0%)

To apply, please call 801-260-7600 ext. 5330 or contact us at homeequity@cypruscu.com.

We will loan up to 100% of the property’s value based on the evaluation or appraisal, minus 1st mortgage balance. An appraisal may be required on CLTV's (Combined Loan to Value) above 80%. Contact for more details.

Loan will be subject to early termination fee.

Home Equity Line of Credit rate is based on the wall street Journal prime lending rate on the last day of each month. Maximum interest rate over the life of the loan is 18%. Minimum interest rate over the life of the loan is 4%.

Construction & Lot Loans

Mortgage Type Term APR as low as
Construction Loan Up to 12 months 6.5%
Construction Loan 12 month construction period 6.625%
Improved Lot Loan 30/5 6.5%
Improved Lot Loan 10 Year Fixed 6.99%
Apply Online

Call a Construction Loan Officer at 801-260-7600 ext. 5340 for more information. Contact us at construction@cypruscu.com. Prime interest rate = 6.75% Historical Prime Rates

Mortgage Rates

Savings Rates

Looking for current rates on savings accounts, certificates, money market accounts, IRAs, or youth savings? You’re in the right place. Compare dividend rates and APYs by account type and balance below. Rates are subject to change.
View Savings Rates

Regular, Youth & Teen Savings

Balance or Term Dividend Rate APY
$0 and over 0.05% 0.05%
Open Now

** Declared, paid and compounded monthly

Money Market

Balance or Term Dividend Rate APY
$0 to $2,499.99 0.499% 0.5%
$2,500.00 to $9,999.99 0.995% 1%
$10,000.00 to $24,999.99 1.094% 1.1%
$25,000.00 to $49,999.99 1.539% 1.55%
$50,000.00 to $99,999.99 1.982% 2%
$100,000.00 to $249,999.99 2.521% 2.55%
$250,000.00 to $499,999.99 3.3% 3.35%
$500,000.00 to $999,999.99 3.3% 3.35%
$1,000,000.00 and over 3.735% 3.8%

** Declared, paid and compounded monthly

Basic Checking

Balance or Term Dividend Rate APY
$0 to $49,999.99 0.05% 0.05%
$50,000 and over 0.1% 0.1%
Open Now

** Declared, paid and compounded monthly

Dream Rewards Checking

Balance or Term Dividend Rate APY
$0 to $49,999.99 0.05% 0.05%
$50,000 and over 0.1% 0.1%
Open Now

** Declared, paid and compounded monthly

Fresh Start Checking

Balance or Term Dividend Rate APY
$0 and over 0% 0%
Open Now

** Declared, paid and compounded monthly

Dream Round Up Savings

Balance or Term Dividend Rate APY
$0.01 and over 9.569% 10%
** Declared, paid and compounded monthly
** Available only with Dream Rewards Checking (Fresh Start and Business Accounts not eligible)

IRA Shares

Balance or Term Dividend Rate APY
$0 to $2,499.99 0.499% 0.5%
$2,500.00 to $9,999.99 0.995% 1%
$10,000.00 to $24,999.99 1.094% 1.1%
$25,000.00 to $49,999.99 1.539% 1.55%
$50,000.00 and over 1.982% 2%

** Declared, paid and compounded monthly

Certificate Accounts, IRA Certificate Accounts, and Dream Certificates

Balance or Term Dividend Rate APY
6 month 3.928% 4%
12 month 3.977% 4.05%
18 month 4.025% 4.1%
24 month 4.362% 4.45%
36 month 4.314% 4.4%
48 month 4.362% 4.45%
60 month 4.41% 4.5%

Early withdrawal penalties may apply. Share Certificates require an initial deposit of at least $500.

Open your Dream CD with just $20 and add a $10 or more each month while earning regular CD rates. Your deposits will be automatically transferred to your Dream CD every month or every paycheck. $100,000 maximum deposit per individual member on Dream Certificates. Member cannot make additional deposits past $100,000 maximum across all Dream Certificate accounts. Promotional rates are not eligible for bump rate increases.

Dream Certificates

Balance or Term Dividend Rate APY
6 month 3.928% 4%
12 month 3.977% 4.05%
18 month 4.025% 4.1%
24 month 4.362% 4.45%
36 month 4.314% 4.4%
48 month 4.362% 4.45%
60 month 4.41% 4.5%

Early withdrawal penalties may apply. Share Certificates require an initial deposit of at least $500.

Open your Dream CD with just $20 and add a $10 or more each month while earning regular CD rates. Your deposits will be automatically transferred to your Dream CD every month or every paycheck. $100,000 maximum deposit per individual member on Dream Certificates. Member cannot make additional deposits past $100,000 maximum across all Dream Certificate accounts. Promotional rates are not eligible for bump rate increases.

Teen Learn & Earn Savings

Balance or Term Dividend Rate APY
$0.00 to $1,000.00 4.889% 5%
$1,000.01 and over 0.05% 0.05%
Open Now

* Dividends are declared, paid, and compounded monthly. Rates subject to change at any time. Learn & Earn Savings tiered rate on average daily balance of $0.01 to $1,000.00. Balances of $1,000.01 and higher earn dividends at the same rate as Regular Share Savings. 

Business Rates

Find rates and service details for Cyprus business banking in one place—including business checking, savings and money market accounts, small business loans, and business credit cards. Review applicable APYs, APRs, terms, balance tiers, and fees; rates may change, and membership and eligibility are required.

Business Rates

Small Business Term Loans

Product Term APR as low as
Small Business Term Loans 12-48 Months 7.99%
Small Business Term Loans 60 Months 8.49%
Small Business Term Loans 72-84 Months 8.99%
Apply Online

Fixed rate. For unsecured loans add 2.0% APR. 1.0% origination fee and documentation fee apply. Auto-pay from an active business checking account at Cyprus is required.

Essentials Checking

Balance Range Dividend Rate APY Min. Opening Balance
$0 and over 0% 0% $50
Call 801-260-7600 ext. 5150

  • $50.00 minimum to open checking

  • No monthly fee

  • 100 free checks deposited & written per month

  • $0.15 per check deposited & written after first 100

  • $0.05 per ACH transaction after the first 100

  • No fees on monthly transactions up to $5,000

  • Unlimited free ATM transactions

  • Overdraft protection available

Choice Interest Checking

Balance Range Dividend Rate APY Min. Opening Balance
$0 to $49,999.99 0.1% 0.1% $50
$50,000 to $99,999.99 0.15% 0.15% $50
$100,000 and over 0.2% 0.2% $50
Call 801-260-7600 ext. 5150

  • $50.00 minimum to open checking

  • No monthly fee

  • 100 free checks deposited & written per month

  • $0.15 per check deposited & written after first 100

  • $0.05 per ACH transaction after the first 100

  • No fees on monthly transactions up to $5,000

  • Unlimited free ATM transactions

  • Overdraft protection available

  • Earn interest

Choice Earnings Checking

Balance Range Dividend Rate APY Min. Opening Balance
$0 and over N/A N/A $50
Call 801-260-7600 ext. 5150

  • $50.00 minimum to open checking

  • No monthly fee

  • 100 free checks deposited & written per month

  • $0.15 per check deposited & written after first 100

  • $0.05 per ACH transaction after the first 100

  • No fees on monthly transactions up to $5,000

  • Unlimited free ATM transactions

  • Overdraft protection available

  • Earn credits that offset the monthly fee

Non-Profit Checking

Balance Range Dividend Rate APY Min. Opening Balance
$0 and over 0% 0% $0
Call 801-260-7600 ext. 5150
  • Free Checking
  • No setup fees
  • No monthly fees
  • No check writing or deposit fees
  • Overdraft protection available

Regular Savings

Balance or Term Dividend Rate APY Min. Opening Balance
$0 and over 0.05% 0.05% $5
Call 801-260-7600 ext. 5150

** Declared, paid and compounded monthly

** These interest rates apply to 0100, 0200 and 0300 account types

Business Money Market

Balance or Term Dividend Rate APY Min. Opening Balance
$0 to $49,999.99 0.499% 0.5% $0
$50,000.00 to $99,999.99 1.982% 2% $0
$100,000.00 to $249,999.99 2.472% 2.5% $0
$250,000.00 to $499,999.99 3.251% 3.3% $0
$500,000.00 to $999,999.99 3.251% 3.3% $0
$1,000,000.00 and over 3.687% 3.75% $0
Call 801-260-7600 ext. 5150

** Declared, paid and compounded monthly

Business Growth Money Market

Balance or Term Dividend Rate APY Min. Opening Balance
$0 to $4,999.99 3.445% 3.5% $0
$5,000.00 to $19,999.99 1.982% 2.38% $0
$20,000.00 to $49,999.99 1.49% 1.85% $0
$50,000.00 and over 0.499% 0.5% $0
Call 801-260-7600 ext. 5150

** Declared, paid and compounded monthly

Business Sweep Money Market

Balance or Term Dividend Rate APY Min. Opening Balance
$0 to $49,999.99 0.747% 0.75% $0
$50,000.00 to $99,999.99 2.227% 2.25% $0
$100,000.00 to $249,999.99 2.716% 2.75% $0
$250,000.00 to $499,999.99 3.494% 3.55% $0
$500,000.00 to $999,999.99 3.494% 3.55% $0
$1,000,000.00 and over 3.928% 4% $0
Call 801-260-7600 ext. 5150

** Declared, paid and compounded monthly

Regular Certificates

Balance or Term Dividend Rate APY Min. Opening Balance
6 month 3.784% 3.85% $500
12 month 3.832% 3.9% $500
18 month 3.88% 3.95% $500
24 month 3.977% 4.05% $500
36 month 3.928% 4% $500
48 month 3.928% 4% $500
60 month 3.928% 4% $500
Call 801-260-7600 ext. 5150

** Declared, paid and compounded monthly

Business Visa Platinum Rewards

Card APR as low as Annual Fee
Variable Rate Visa Business Rewards Credit Card 12.99% No Annual Fee
Call 801-260-7600 ext. 5150