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On This Page
- At a glance
- Overall
- VyStar Credit Union bank products
- Bank fees
- Customer experience
- About VyStar Credit Union
- Review Methodology
At a glance
4.1
Rating: 4.1 stars out of 5
Bankrate Score
CDs
Rating: 4.4 stars out of 5
Checking
Rating: 4.8 stars out of 5
Savings
Rating: 3 stars out of 5
MMA
Rating: 3.2 stars out of 5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
About Bankrate Score
Overview
VyStar could be a great option for Floridians and Georgians in select counties looking for solid CD options and a free, interest-bearing checking account with a credit union.
Highlights
- Free Checking
- Low Fees
- Low Min Deposit
Sponsored offers
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
These are sponsored offers rated highly by us for competitive rates, fees, and minimums.
About our Sponsored Offers
Our list of sponsored accounts may offer competitive rates, multiple times higher than the national average. All of these offers have FDIC or NCUA insurance, have competitive minimums and few fees. We’ve vetted the credit worthiness of these banks to simplify your search.
Member FDIC
Savings Account
4.25
%
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
As of 9/9/2024
Rating: 4.4 stars out of 5
Bankrate Savings rating = 4.4/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bankrate Savings rating = 4.4/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
$0
Min. balance for APY
Promoted offer:
American Express
Member FDIC
Savings Account Details
4.25
%
APY
$0
Min balance for APY
Offer rate as of9/9/2024
Interest rate4.16%
Minimum to avoid fees$0
Monthly fees$0
Check writingNo
Member FDIC.
Savings Account
5.25
%
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
As of 9/9/2024
Rating: 5 stars out of 5
Bankrate Savings rating = 5/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bankrate Savings rating = 5/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
$0
Min. balance for APY
Promoted offer: No fees. Easy deposits and quick withdrawals.
Jenius Bank
Member FDIC.
Savings Account Details
5.25
%
APY
$0
Min balance for APY
Offer rate as of9/9/2024
Interest rate5.25%
Minimum to avoid fees$0
Monthly fees$0
Check writingNo
No fees. Easy deposits and quick withdrawals.
Member FDIC
Savings Account
5.30
%
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
As of 9/9/2024
Rating: 4.9 stars out of 5
Bankrate Savings rating = 4.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bankrate Savings rating = 4.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
$0
Min. balance for APY
Promoted offer: Earn our LevelUp rate with $250 in monthly deposits, plus no fees.
LendingClub
Member FDIC
Savings Account Details
5.30
%
APY
$0
Min balance for APY
Offer rate as of9/9/2024
Interest rate5.18%
Minimum to avoid fees$0
Monthly fees$0
Check writingNo
Earn our LevelUp rate with $250 in monthly deposits, plus no fees.
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
Member FDIC
Savings Account
4.4
Rating: 4.4 stars out of 5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bankrate Score
4.25
%
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
as of 9/9/2024
$0
Min. balance for APY
Promoted offer
American Express
Member FDIC
Savings Account Details
4.25
%
APY
$0
Min balance for APY
Offer rate as of9/9/2024
Interest rate4.16%
Minimum to avoid fees$0
Monthly fees$0
Check writingNo
Member FDIC.
Savings Account
5.0
Rating: 5 stars out of 5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bankrate Score
5.25
%
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
as of 9/9/2024
$0
Min. balance for APY
Promoted offer: No fees. Easy deposits and quick withdrawals.
Jenius Bank
Member FDIC.
Savings Account Details
5.25
%
APY
$0
Min balance for APY
Offer rate as of9/9/2024
Interest rate5.25%
Minimum to avoid fees$0
Monthly fees$0
Check writingNo
No fees. Easy deposits and quick withdrawals.
Member FDIC
Savings Account
4.9
Rating: 4.9 stars out of 5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bankrate Score
5.30
%
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
as of 9/9/2024
$0
Min. balance for APY
Promoted offer: Earn our LevelUp rate with $250 in monthly deposits, plus no fees.
LendingClub
Member FDIC
Savings Account Details
5.30
%
APY
$0
Min balance for APY
Offer rate as of9/9/2024
Interest rate5.18%
Minimum to avoid fees$0
Monthly fees$0
Check writingNo
Earn our LevelUp rate with $250 in monthly deposits, plus no fees.
Member FDIC
Savings Account
4.7
Rating: 4.7 stars out of 5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bankrate Score
4.40
%
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
as of 9/9/2024
$0
Min. balance for APY
Promoted offer
Marcus by Goldman Sachs
Member FDIC
Savings Account Details
4.40
%
APY
$0
Min balance for APY
Offer rate as of9/9/2024
Interest rate4.40%
Minimum to avoid fees$0
Monthly fees$0
Check writingNo
Member FDIC
Savings Account
4.4
Rating: 4.4 stars out of 5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bankrate Score
4.25
%
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
as of 9/9/2024
$0
Min. balance for APY
Promoted offer: It only takes about 5 minutes to open a fee-free account.
Capital One
Member FDIC
Savings Account Details
4.25
%
APY
$0
Min balance for APY
Offer rate as of9/9/2024
Interest rate4.25%
Minimum to avoid fees$0
Monthly fees$0
Check writingNo
It only takes about 5 minutes to open a fee-free account.
Overall
VyStar Credit Union is one of the largest credit unions in Florida, offering various deposit accounts and services to hundreds of thousands of members. Its accounts don’t charge monthly service fees or have minimum balance requirements, although better yields can often be found at other financial institutions.
Pros
The free checking account pays interest.
Minimum deposit and balance requirements overall are low.
The credit union charges no monthly service fees.
Cons
Membership is mostly limited to Florida residents and residents in parts of Georgia.
Yields are low relative to what you can earn at other institutions.
The overdraft/NSF fees are very high.
We want to know what you think about VyStar
Do you have experience with VyStar Credit Union? Let us know your thoughts.
VyStar Credit Union banking products
3.0
Rating: 3 stars out of 5
Bankrate Score
Compare top savings rates
FEATURES
VyStar Credit Union savings overview
VyStar’s Regular Savings account requires a $5 minimum deposit, but interest is earned only on amounts of $50 or more. VyStar doesn’t charge a monthly service fee on the savings account.
The account’s APY is minimal, and you can find much higher yields — especially at online banks — if you shop around.
Pros
The minimum deposit to open the account and earn interest is low.
There’s no monthly service fee.
Cons
The yield is low compared to what many other institutions offer.
-
VyStar Credit Union
APY
APY last updated between 9/2 and 9/8.
APY
APY last updated between 9/2 and 9/8.
National average APY
How do we get this data?
Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.
VyStar Credit Union savings rates
Date
Bankrate gathers rate data either directly from our partners, or through our proprietary rate surveying service. The rate change date is based on when Bankrate received or captured the rate change and may differ from the actual date the rate changed.
VyStar Credit Union
APY
APY last updated between 9/2 and 9/8.
APY
APY last updated between 9/2 and 9/8
National average APY
The “national average” is determined by Bankrate’s comprehensive national survey of savings accounts and CDs and reflects the monthly average APY for each product.
09/03/2024 0.10% 0.63% 05/07/2024 0.10% 0.59% 04/02/2024 0.10% 0.58% 03/05/2024 0.10% 0.57% 01/02/2024 0.10% 0.58% 12/05/2023 0.10% 0.57% 11/07/2023 0.10% 0.60% 10/03/2023 0.10% 0.58% 09/12/2023 0.10% 0.57%
Compare Offer
Sponsored Offer
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
This is a sponsored offer rated 4 stars or higher for competitive rate, fees, and minimums.
Member FDIC
Savings Account
4.25
%
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
As of 9/9/2024
Rating: 4.4 stars out of 5
Bankrate Savings rating = 4.4/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
$0
Min balance for APY
American Express
Member FDIC
Savings Account Details
4.25
%
APY
$0
Min balance for APY
Offer rate as of9/9/2024
Interest rate4.16%
Minimum to avoid fees$0
Monthly fees$0
Check writingNo
Promoted offer:
4.4
Rating: 4.4 stars out of 5
Bankrate Score
Compare top CD rates
FEATURES
VyStar Credit Union CD overview
VyStar Credit Union offers traditional CDs across terms ranging from three months to five years. All traditional CDs require a minimum $500 deposit to open.
VyStar pays rates on its CDs that are above the national average, yet higher yields can be found elsewhere. Each CD term is split into two balance tiers; a slightly higher rate is earned on balances of $50,000 or more.
A one-year Youth CD is also offered, with a lower minimum deposit requirement of $100.
Pros
VyStar offers a wide range of CD term lengths.
All CDs pay interest rates that are above the national average.
There’s only a $500 minimum deposit requirement to open a CD.
Cons
Those looking for the higher yields can find them elsewhere.
Compare Offer
Sponsored Offer
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
This is a sponsored offer rated 4 stars or higher for competitive rate, fees, and minimums.
Member FDIC
CD
4.70
%
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
As of 9/9/2024
Rating: 4.5 stars out of 5
Bankrate CD rating = 4.5/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
$500
Min. deposit
1yr
Term
Marcus by Goldman Sachs
Member FDIC
CD Details
4.70
%
APY
$500
Min. deposit
1yr
Term
Offer rate as of9/9/2024
Minimum deposit$500
Promoted offer:
3.2
Rating: 3.2 stars out of 5
Bankrate Score
Compare top money market rates
VyStar Credit Union money market overview
VyStar’s money market account pays interest rates that are above average, but much more competitive rates can be found elsewhere. The account has balance tiers, and larger balances are rewarded with a higher interest rate.
The account requires no minimum deposit, and it doesn’t charge a monthly fee. It does offer check writing and an ATM card.
Pros
There is no minimum balance requirement.
The account doesn’t charge a monthly fee.
Check writing is available.
Cons
The yield is above the national average, but it’s low compared to what top competitors are offering.
You need at least $250,000 to earn the top-tier yield, which is still not very competitive.
4.8
Rating: 4.8 stars out of 5
Bankrate Score
Compare top checking rates
VyStar Credit Union checking overview
VyStar offers a free checking account that earns interest at the same rate as the savings account. No minimum deposit is required to open the account, and there’s no minimum balance requirement. However, the NSF and overdraft fees are expensive at $32 and $29, respectively. Account holders also get a debit or ATM card and can get paid up to two days early with direct deposit.
The free checking account offers bill pay, and customers can send and receive money with Zelle. Customers also have fee-free access to more than 20,000 ATMs through the credit union’s owned-and-operated machines as well as ATMs in Accel and Plus networks.
The credit union also offers a youth checking account as well as a senior account geared toward those ages 50 and older.
Pros
VyStar’s free checking account pays a little interest on all balances.
There’s no minimum deposit requirement to open and maintain the account.
There’s no monthly service fee.
Cons
The overdraft and NSF fees are higher than average.
Compare Offer
Sponsored Offer
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
This is a sponsored offer rated 4 stars or higher for competitive rate, fees, and minimums.
Member FDIC
Checking Account
0.50
%
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
As of 9/9/2024
Rating: 4.9 stars out of 5
Bankrate Checking rating = 4.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
$0
To open
$0
To avoid fees
SoFi
Member FDIC
Checking Account Details
0.50
%
APY
$0
To open
$0
To avoid fees
Offer rate as of9/9/2024
Minimum to avoid fees$0
Monthly fees$0
Overdraft/NSF fees$0
Out of network ATM fee$0
Has online accessYes
Bank fees
| Fee | Charged? |
|---|---|
| Overdraft fee | $29 (for transactions above $5) |
| Non-sufficient funds fee | $32 |
| Account maintenance fees | None |
| Incoming wire transfer fee | None |
| Outgoing wire transfer fee | $15 |
Customer experience
Branch and ATM access. VyStar Credit Union offers branches in Florida and Georgia and access to more than 20,000 surcharge-free ATMs across the United states. Some ATMs are available at retailers such as CVS Pharmacy, Target and Walgreens.
Customer service. Branch hours vary by location. Representatives are available through the contact center every day from 7 a.m. to 7 p.m. ET. Members can also contact the credit union through the live chat feature on its website, during the same hours.
Highly rated mobile app. Members can use the credit union’s mobile app and take advantage of capabilities like Zelle and account alerts. The app has 4.2 stars on Google Play and 4.8 stars on the Apple app store. There’s also a VyStar card control app within the main mobile app that members can use to manage access to their debit cards.
About VyStar Credit Union
VyStar is headquartered in Jacksonville, Florida, and today has more than 925,000 members. Membership is open to local residents who live or work in 49 Florida counties or in 29 counties in Georgia. Past and present military members worldwide and their families are also eligible for membership.
VyStar Credit Union was chartered in 1952 and was originally known as the Jax Navy Federal Credit Union, which offered services to military and civil service members.
How does VyStar Credit Union compare to other banks?
Review methodology
With so many financial institutions to choose from, it can be hard to know who to trust. Bankrate’s ever-growing list of bank and credit union reviews is updated regularly. Our editorial team analyzes and reviews each institution across deposit products such as savings accounts, checking accounts, certificates of deposit (CDs) and money market accounts (MMAs). Banks are rated by important factors such as offered interest rates, fees, minimum balance requirements, access to funds and more.
We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. Read our full review methodology.
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