Vystar is the largest mortgage 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.”

Here is the quick summary stated next in perspective of their popular CD rates offers;

Vystar Credit Union CD Rates Offers

The Vystar Credit Union offers competitive CD rates are;

3-Month Certificate of Deposit

Minimum Opening Deposit: $500

APY: 2.90%


  • Short-term commitment: Ideal for those who want quick access to their funds after a brief period.
  • Lower interest rate: The shorter term typically yields a lower APY compared to longer-term CDs.

Pros & Cons

Quick access to fundsLower APY compared to longer-term CDs

6-Month Certificate of Deposit

Minimum Opening Deposit: $500

APY: 3.65%


  • Slightly longer commitment: A good balance for those seeking a higher yield without tying up funds for an extended period.

Pros & Cons

Moderate commitmentModerate potential for capital growth

12-Month Certificate of Deposit

Minimum Opening Deposit: $500

APY: 3.70%


  • Suitable for individuals with a moderate risk tolerance and a short- to mid-term investment horizon.

Pros & Cons

Opportunity for moderate growthLess liquidity compared to shorter terms

2-Year Certificate of Deposit

Minimum Opening Deposit: $500

APY: 4.65%


  • Medium-term commitment: Balances competitive interest rates with the flexibility to access funds after a reasonable period.

Pros & Cons

Competitive APY for mid-termLonger lock-in period than shorter terms

3-Year Certificate of Deposit

Minimum Opening Deposit: $500

APY: 3.60%


  • Provides the opportunity for capital appreciation and interest compounding over the extended term.

Pros & Cons

Moderate minimum opening depositHigher risk due to longer-term commitment

Are Vystar Credit Union CD Rates Competitive?

VyStar Credit Union offers a range of Certificate of Deposit terms with varying Annual Percentage Yields. The competitiveness of VyStar’s CD rates can be assessed in the context of the wider financial market.

VyStar’s minimum opening deposit of $500 is accessible for many investors, and the offered APYs ranging from 2.90% to 4.65% are in line with industry standards.

The credit union provides flexibility with terms ranging from 3 months to 3 years, catering to investors with diverse time horizons. VyStar’s rates, while not the highest in the market, strike a balance between offering competitive returns and providing options for short to mid-term commitments.

The low minimum deposit requirement makes these CDs accessible to a broad range of customers. However, individuals seeking the highest possible rates may need to explore other financial institutions or consider longer-term commitments.

Overall, the rates are appealing to those who are looking for a balance between accessibility, flexibility, and competitive returns.

Overview Vystar Credit Union 

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 itself to helping its members in any way possible.

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 offers dependable and trustworthy products and services for everyone.

Some of the organizations that Vystar helps are the March of Dimes, United Way of Northeast Florida, the 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.


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.

Locations Vystar Credit Union

Branches in Florida

The branches in Florida are:

Jacksonville, Orange Park.

Frequently Asked Questions

What is the minimum opening deposit for VyStar Credit Union CDs?

The minimum opening deposit for VyStar Credit Union CDs is $500.

Are VyStar CD rates fixed for the entire term?

Yes, VyStar CD rates are fixed for the term, providing a predictable return on your investment.

Is there a difference in APY based on the length of the CD term?

Yes, VyStar Credit Union offers varying APYs for different CD terms, with longer terms generally yielding higher rates.

How do I open a VyStar CD account?

You can open a VyStar CD account online, in person at a branch, or by contacting their customer service. Make sure that you have the required documents and the minimum opening deposit.

What happens if I need to withdraw from my CD before maturity due to an emergency?

Early withdrawals are subject to penalties, so it is recommended to contact VyStar directly to discuss your situation and explore available options.