Becoming a credit union member requires that you open a Membership Share Savings Account and make a $25 contribution to capital (non-refundable membership fee). Additional accounts may be opened after the membership fee is paid. *A $100 balance is required to maintain your membership and to access all other services offered by the credit union including our Sharedraft ATM / Visa cards and all loans. In lieu of depositing $100 immediately you may deposit $25 per pay period via payroll deduction or ACH until your balance reaches $100. You will not earn dividends until you have at least $100 in your regular share account. Accounts which after two months do not have a $100 balance will be charged $1 per month thereafter until the balance reaches $100. Dividends are paid monthly or quarterly depending on the type of account. See your "Truth in Savings" (TIS) disclosure given to you upon opening.

Nautilus® Money Market Account

• High yield 30-day compound as published on the first Thursday of the month in the Wall Street Journal.
  
• May be accessed with a sharedraft or telephonic transfer.
  
• No minimum withdrawal or deposit.
  
• No maximum withdrawals per month.
  
• Free introductory pack of checks.
  
• Minimum balance to open a Nautilus Account is $2,500.
  
• No below balance fee.
  
• Dividends are paid and compounded monthly; no dividends on balances below $2,500.
  
• Tiers are $2,500; $10,000; $25,000 and $50,000, higher dividends with higher tiers.
  
• Monthly statement combined with your regular statement.
  

Share Certificates

• Cypress West Federal Credit Union offers four types to chose from:
  
• The Market Index Certificate in two or four year terms. This certificate allows one to earn stockmarket-like returns with a federally insured deposit. For IRA and non-IRA depositors alike (no early withdrawal).
  
• Standard fixed rate, fixed term.
  
• The Summit Share Certificate has a fixed term and over the remaining term, allows you to increase the rate to the market rate.
  
• Capital Accumulator (maximum two year term) has a fixed rate and term which will allow you to add to the certificate at any time.
  
• Flexible terms from 90 days to 5 years except where noted otherwise. You choose the term to fit your needs.
  
• Minimum Certificate Deposit: $1,000.
  
• For balances in excess of $75,000, rate may be negotiable on regular certificates. We welcome your inquiries.
  

View our Dividend Rates, click here.