Deal Summary

60-month CD, 1.00% APY, minimum deposit $500, dividends paid upon maturity

Vystar’s Top CD Rates

Vystar’s top CD rate is 1.00% APY. This rate is offered on the credit union’s 60-month CD with a minimum deposit of $500. The dividends earned on this CD are paid upon maturity.

The 48-month CD is a great alternative. The account offers an 0.90% APY with a $500 minimum deposit. This account also pays you your dividends upon maturity. The more you invest, the higher your APY.

For short-term investors the credit union offers a 3-month CD. This CD offers an annual percentage yield of 0.25%. This CD is also obtainable with a $500 minimum deposit. This CD is also paid out upon maturity.

Vystar offers ten CDs. Each of these CDs can be opened with a $500 minimum deposit. You are always welcome to invest more, but you don’t have to. These CD terms vary from 3 to 60-months. The APY starts at 0.25% and builds to 1.00%. Each of Vystar’s CD accounts is subject to early withdrawal penalties.


You must be a member of the Vystar Credit Union to open a CD. This means that you will need to open a checking or savings account. You can apply online or in person, just be sure to have all of your information at the ready.

Branches in Florida

Jacksonville, Orange Park.

Bank Overview

Vystar was founded in 1952 to serve civil service members and military employees. Getting loans at the time was difficult for people who worked, so Vystar was established to help. Initially, the bank started with just 12 members and $60 in assets. To this day however, the bank has continued to grow and continues to dedicate themselves to helping their members in any way possible.

As of now, Vystar is the largest mortage lender in Northeast Florida and the 18th largest credit union in the country. Their vision statement is “to be the primary financial institution for our members and to bring credit union services to more people.”

Despite growing and becoming larger, the bank continues to be a safe space for members and people needing loans. Vystar is also a large supporter of their community and because of this offer dependable and trustworthy products and services for everyone.

Some of the organizations that Vystar helps are March of Dimes, United Way of Northeast Florida, Leukemia & Lymphoma Society, and The ARC. They also help the Leukemia & Lymphoma Society® Light The Night® event that helps fund research to find cures for blood cancer, as well as their efforts to improve the quality of life for patients and their families.