Credit union · NCUA insured
VyStar Credit Union Savings Rates
VyStar Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market. Rates checked October 5, 2026.
How VyStar Credit Union’s savings 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
1.00%APY
- Minimum
- $0
- Earns on $10,000 a year
- $100
Money Market
Top rate
JM Associates FCU
5.12%APY
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
EverBank
4.20%APY
- Minimum
- $0
- Earns on $10,000 a year
- $420
VyStar Credit Union savings score
85
Savings score
Higher than 70% of U.S. banks and credit unions
- $1,000 balance$1,0000.90%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.25%
- QualifiedQualified1.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
1.00%APY
Dividends are calculated daily, compounded daily and credited monthly. Account includes checks and a debit card.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.90% | — |
| $10,000 – $100,000 | 1.00% | $100 |
| $100,000 – $250,000 | 1.25% | — |
| $250,000 and up | 1.45% | — |
Sources (2)
All captured Sep 18, 2026
Primary Savings
0.05%APY
Required for VyStar membership. Open with as little as $5 with no monthly service fee. Dividends are calculated daily and compounded and credited monthly on balances of $50 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends earned on balances of $50 or more.$50 and up | 0.05% | $5 | Dividends earned on balances of $50 or more. |
Regular Savings
0.05%APY
Dividends are calculated daily and compounded and credited monthly on balances of $50 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends earned on balances of $50 or more.$50 and up | 0.05% | $5 | Dividends earned on balances of $50 or more. |
Sources (1)
- vystarcu.org/personal/rates/savings-ira-hsa-rates · captured Sep 18, 2026
Special-purpose accounts
IRA Savings
0.36%APY
Available as Traditional IRA, Roth IRA, or Simplified Employee Pension (SEP) IRA. No maintenance or administration fees. No minimum balance required for IRA Savings. Cannot be used for overdraft protection. Dividends calculated daily, compounded monthly, and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.26% | — |
| $2,500 – $10,000 | 0.26% | — |
| $10,000 – $25,000 | 0.36% | $36 |
| $25,000 – $50,000 | 0.46% | — |
| $50,000 – $100,000 | 0.51% | — |
| $100,000 and up | 0.56% | — |
Sources (3)
- vystarcu.org/personal/bank/ira
- vystarcu.org/personal/bank/sav…s-cds-iras-money-markets
- vystarcu.org/personal/rates/savings-ira-hsa-rates
All captured Sep 18, 2026
Health Savings Accounts (HSAs)
0.31%APY
Must be covered by a High Deductible Health Plan (HDHP). No minimum balance required; zero transaction fees. Cannot be used as overdraft protection. Dividends calculated daily, compounded monthly, and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.26% | — |
| $2,500 – $10,000 | 0.26% | — |
| $10,000 – $25,000 | 0.31% | $31 |
| $25,000 – $50,000 | 0.36% | — |
| $50,000 – $100,000 | 0.41% | — |
| $100,000 and up | 0.46% | — |
Sources (2)
All captured Sep 18, 2026
Kids Club Savings
0.05%APY
For children ages 12 and under. No minimum balance to earn dividends. Dividends are calculated daily, compounded monthly, and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance to earn dividends.Any balance | 0.05% | $5 | No minimum balance to earn dividends. |
Sources (3)
- vystarcu.org/personal/bank/sav…s-cds-iras-money-markets
- vystarcu.org/personal/bank/youth-savings
- vystarcu.org/personal/rates/savings-ira-hsa-rates
All 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.