Credit union · NCUA insured
VyStar Credit Union CD Rates
VyStar Credit Union’s best CD rate is 4.15% APY on a 30-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 5, 2026.
How VyStar Credit Union’s CD rates compare
Compared with banks and credit unions near Jacksonville, FL, where VyStar Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
VyStar Credit Union
4.05%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,043
Personal CD
Top rate
RadiFi Credit Union
4.91%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $366
2nd-highest rate
Publix Employees Federal Credit Union
4.65%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $347
VyStar Credit Union CD score
84
CD score
Higher than 66% of U.S. banks and credit unions
- 3–8 months3–8 mo3.10%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo4.05%
- 31–60 months31–60 mo3.35%
- QualifiedQualified4.05%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where VyStar Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Personal CD
Up to 4.05%APY · 11 terms
Dividends are compounded monthly and credited monthly. Daily balance method is used. Penalty applies for early principal withdrawals.
| Term | APY · Up to $50,000 | APY · $500 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 3.00% | — | 3.10% | 3.00%3.10% from $50k | $74 |
| 6 months | 3.10% | — | 3.20% | 3.10%3.20% from $50k | $154 |
| 9 months | 3.10% | — | 3.20% | 3.10%3.20% from $50k | $232 |
| 12 months | 3.60% | — | 3.70% | 3.60%3.70% from $50k | $360 |
| 15 monthsSpecial CD rate; limited time offer | — | 3.90% | — | 3.90% | $490 |
| 18 months | 3.40% | — | 3.50% | 3.40%3.50% from $50k | $514 |
| 24 months | 3.35% | — | 3.45% | 3.35%3.45% from $50k | $681 |
| 30 months | 4.05% | — | 4.15% | 4.05%4.15% from $50k | $1,043 |
| 36 months | 3.35% | — | 3.45% | 3.35%3.45% from $50k | $1,039 |
| 48 months | 3.25% | — | 3.35% | 3.25%3.35% from $50k | $1,365 |
| 60 months | 3.25% | — | 3.35% | 3.25%3.35% from $50k | $1,734 |
Sources (3)
- vystarcu.org/personal/bank/cd
- vystarcu.org/personal/rates/cd-rates
- vystarcu.org/who-we-are/promotions/cd-promo-0626
All captured Sep 18, 2026
18-Month Step-Up Certificate
3.40%APY · 1 term
Offers a one-time option during the 18-month term to adjust the dividend rate to the current published 18-month Step-up certificate dividend rate. Additional deposits allowed with minimum deposit of $2,000 or more.
| Term | APY · Up to $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 18 monthsOne-time option to adjust rate during 18-month term; add-on deposits minimum $2,000 | 3.40% | 3.50% | 3.40%3.50% from $50k | $514 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA CD
Up to 4.05%APY · 10 terms
Available as Traditional, Roth, SEP IRAs or IRA Certificates with no maintenance or administration fees. Rate schedule applies to Personal CDs and IRA CDs. Penalty does not apply to distributions due to participant disability or attainment of age 73 or older.
| Term | APY · Up to $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 3.00% | 3.10% | 3.00%3.10% from $50k | $74 |
| 6 months | 3.10% | 3.20% | 3.10%3.20% from $50k | $154 |
| 9 months | 3.10% | 3.20% | 3.10%3.20% from $50k | $232 |
| 12 months | 3.60% | 3.70% | 3.60%3.70% from $50k | $360 |
| 18 months | 3.40% | 3.50% | 3.40%3.50% from $50k | $514 |
| 24 months | 3.35% | 3.45% | 3.35%3.45% from $50k | $681 |
| 30 months | 4.05% | 4.15% | 4.05%4.15% from $50k | $1,043 |
| 36 months | 3.35% | 3.45% | 3.35%3.45% from $50k | $1,039 |
| 48 months | 3.25% | 3.35% | 3.25%3.35% from $50k | $1,365 |
| 60 months | 3.25% | 3.35% | 3.25%3.35% from $50k | $1,734 |
Sources (2)
All captured Sep 18, 2026
Youth CD
3.70%APY · 1 term
Applicable to VyStar Pace and Kid's Account Certificate. Required minimum balance is $100 to open, maximum balance $2,000 (excluding dividends). Additional deposits allowed with minimum $25. Not eligible for rate step-up option. Automatically renews to advertised 12-month rate and term at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.70% | — |
Sources (1)
- vystarcu.org/personal/rates/cd-rates · captured Sep 18, 2026
Who can join VyStar Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.