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VyStar Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.vystarcu.org
904-777-6000
76 S Laura St
Jacksonville, FL 32202

VyStar Credit Union is headquartered in Jacksonville and is the 2nd largest credit union in the state of Florida. It is also the 15th largest credit union in the nation. It was established in 1952 and as of March of 2025, it had grown to 2,311 employees and 1,017,874 members at 99 locations. VyStar Credit Union's CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in VyStar Credit Union is open individuals who live or work in the Florida counties of Alachua, Baker, Bay, Bradford, Brevard, Calhoun, Citrus, Clay, Columbia, Dixie, Duval, Escambia, Flagler, Franklin, Gadsden, Gilchrist, Gulf, Hernando, Hamilton, Hillsborough, Holmes, Jackson, Jefferson, Lafayette, Lake, Leon, Levy, Liberty, Madison, Marion, Nassau, Okaloosa, Orange, Osceola, Pasco, Pinellas, Polk, Putnam, Santa Rosa, Seminole, St. Johns, Sumter, Suwannee, Taylor, Union, Volusia, Walton, Wakulla and Washington or the Georgia counties of Camden, Charlton, Glynn and Ware. Family of current members or membership-eligible individuals may also join.
See current membership details

Reviews (23)

New Rate 5.25% 13 Month CD

Posted by: |

Just got an email offering 5.25% on a limited time offering for a new CD

2

Poor Service

Posted by: |

I have been banking with Vystar for over 30 years and I have never seen customer services as poor as it is now. I know covid changed things but vystar has let their service go down hill. I know I'm not the only one because every time I go in there are people complaining about the wait times and lack of service.

18

Vystar Is Getting Worse

Posted by: |

Every time they have an update or an upgrade you can be sure you will not be able to use your app or log online. When are they going to get some people that know what they are doing? They are getting worse by the minute. It is time to start looking around.

25

Customer Service

Posted by: |

I spoke to customer service today about a charge on my debit card.
The representative was Richard Herrin and he was very informative, patient and extremely helpful. After researching my inquiry, we decided to put a stop pay on the charge in question.
Thank you so much for taking your time to research this charge!

Sincerely,
Rita K
A Vystar member forever!!!

1
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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #68490
Year Chartered1952
Employees2311
Primary Regulator
Profit Margin
Return on Assets - YTD0.33%
Return on Equity - YTD6.15%
Annual Interest Income$171.8MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$14.04B$14.77B
LoansQ1 2025vs Q1 2024$9.85B$9.93B
DepositsQ1 2025vs Q1 2024$11.07B$10.76B
Equity CapitalQ1 2025vs Q1 2024$762.1MM$797.9MM
Loan Loss AllowanceQ1 2025vs Q1 2024$156.7MM$90.5MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$73.1MM$83.7MM
Real Estate OwnedQ1 2025vs Q1 2024$168K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

VyStar Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.46%*$100k*-Health Savings Account
OTHER TIERS: 0.26% → $0 - $10k | 0.31% → $10k - $25k | 0.36% → $25k - $50k | 0.41% → $50k - $100k
0.10%$2.5k-Business Savings
0.10%$50-Primary Savings
0.10%$0-Kids Club Savings
0.10%$50-Regular Savings
0.10%$50-Holiday Savings

VyStar Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.45%*$250k*-Business Money Market
OTHER TIERS: 0.95% → $0 - $10k | 1.05% → $10k - $100k | 1.25% → $100k - $250k
1.45%*$250k*-Money Market Account
OTHER TIERS: 0.95% → $0 - $10k | 1.05% → $10k - $100k | 1.25% → $100k - $250k

VyStar Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$2.5k-Non Profit Checking
0.10%$0-VyStar+ Checking
0.05%$2.5k-Small Business Checking
0.05%$5k-Regular Business Checking
0.05%$0-Teen & Youth Checking Account

VyStar Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.15%$500-13 Month CD Special
3.90%*$50k*-12 Month CD
OTHER TIERS: 3.80% → $500 - $50k
3.90%*$50k*-Business 12 Month CD
OTHER TIERS: 3.80% → $500 - $50k
3.90%$100$2k12 Month Youth CD
3.80%*$50k*-24 Month CD
OTHER TIERS: 3.70% → $500 - $50k
3.80%*$50k*-Business 24 Month CD
OTHER TIERS: 3.70% → $500 - $50k
3.75%*$50k*-9 Month CD
OTHER TIERS: 3.65% → $500 - $50k
3.75%*$50k*-Business 9 Month CD
OTHER TIERS: 3.65% → $500 - $50k
3.70%*$50k*-36 Month CD
OTHER TIERS: 3.60% → $500 - $50k
3.70%*$50k*-Business 36 Month CD
OTHER TIERS: 3.60% → $500 - $50k
3.60%*$50k*-6 Month CD
OTHER TIERS: 3.50% → $500 - $50k
3.60%*$50k*-18 Month CD
OTHER TIERS: 3.50% → $500 - $50k
3.60%*$50k*-48 Month CD
OTHER TIERS: 3.50% → $500 - $50k
3.60%*$50k*-Business 6 Month CD
OTHER TIERS: 3.50% → $500 - $50k
3.60%*$50k*-Business 18 Month CD
OTHER TIERS: 3.50% → $500 - $50k
3.60%*$50k*-Business 48 Month CD
OTHER TIERS: 3.50% → $500 - $50k
3.50%*$50k*-3 Month CD
OTHER TIERS: 3.40% → $500 - $50k
3.50%*$50k*-30 Month CD
OTHER TIERS: 3.40% → $500 - $50k
3.50%*$50k*-60 Month CD
OTHER TIERS: 3.40% → $500 - $50k
3.50%*$50k*-Business 3 Month CD
OTHER TIERS: 3.40% → $500 - $50k
3.50%*$50k*-Business 30 Month CD
OTHER TIERS: 3.40% → $500 - $50k
3.50%*$50k*-Business 60 Month CD
OTHER TIERS: 3.40% → $500 - $50k

VyStar Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.90%*$50k*-12 Month IRA
OTHER TIERS: 3.80% → $500 - $50k
3.80%*$50k*-24 Month IRA
OTHER TIERS: 3.70% → $500 - $50k
3.75%*$50k*-9 Month IRA
OTHER TIERS: 3.65% → $500 - $50k
3.70%*$50k*-36 Month IRA
OTHER TIERS: 3.60% → $500 - $50k
3.60%*$50k*-6 Month IRA
OTHER TIERS: 3.50% → $500 - $50k
3.60%*$50k*-18 Month IRA
OTHER TIERS: 3.50% → $500 - $50k
3.60%*$50k*-48 Month IRA
OTHER TIERS: 3.50% → $500 - $50k
3.50%*$50k*-3 Month IRA
OTHER TIERS: 3.40% → $500 - $50k
3.50%*$50k*-30 Month IRA
OTHER TIERS: 3.40% → $500 - $50k
3.50%*$50k*-60 Month IRA
OTHER TIERS: 3.40% → $500 - $50k
0.56%*$100k*-IRA Savings
OTHER TIERS: 0.26% → $0 - $10k | 0.36% → $10k - $25k | 0.46% → $25k - $50k | 0.51% → $50k - $100k
Locations

Availability

Jacksonville Area

Interactive local rates map


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