APY Ledger

VyStar Credit Union CD & Share Certificate Rates — October 2026

Also known as VyStar.

As of October 22, 2026, VyStar Credit Union's highest CD (share certificate) rate is 4.35% APY on a 30-month CD ($50,000 minimum). That is 3.1 times the FDIC national average for 36-month CDs (1.39%). Standard CD rates range from 3.40% to 4.35% APY.

Last verified from vystarcu.org · NCUA-insured credit union · Jacksonville, FL

Tracking began .

Best APY4.35%30 months, $50,000 min
vs. Treasury−0.56%same-term Treasury 4.91%
vs. national average3.1×FDIC national average 1.39%
After inflation0.61%CPI 3.7% year over year
$10,000 earns$1,123over 30 months, before tax

VyStar Credit Union CD & share certificate rates

VyStar Credit Union CD rates
TermProductMinimumAPYvs. Treasury
3 months CD $50,000 3.50%Verified October 22, 2026 −0.79%
3 months CD Not stated 3.40%Verified October 22, 2026 −0.90%
6 months CD $50,000 3.90%Verified October 22, 2026 −0.50%
6 months CD Not stated 3.80%Verified October 22, 2026 −0.60%
9 months CD $50,000 3.90%Verified October 22, 2026 −0.58%
9 months CD Not stated 3.80%Verified October 22, 2026 −0.68%
12 months Youth CD Special $100 3.90%Verified October 22, 2026 −0.67%
12 months CD $50,000 3.90%Verified October 22, 2026 −0.67%
12 months CD Not stated 3.80%Verified October 22, 2026 −0.77%
18 months CD $50,000 4.00%Verified October 22, 2026 −0.72%
18 months CD Not stated 3.90%Verified October 22, 2026 −0.82%
24 months CD $50,000 4.10%Verified October 22, 2026 −0.77%
24 months CD Not stated 4.00%Verified October 22, 2026 −0.87%
30 months CD $50,000 4.35%Verified October 22, 2026 −0.56%
30 months CD Not stated 4.25%Verified October 22, 2026 −0.66%
36 months CD $50,000 4.15%Verified October 22, 2026 −0.80%
36 months CD Not stated 4.05%Verified October 22, 2026 −0.90%
48 months CD $50,000 4.20%Verified October 22, 2026 −0.78%
48 months CD Not stated 4.10%Verified October 22, 2026 −0.88%
60 months CD $50,000 4.20%Verified October 22, 2026 −0.81%
60 months CD Not stated 4.10%Verified October 22, 2026 −0.91%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

What are VyStar Credit Union's best CD rates by term?

VyStar Credit Union's best rate is 4.35% APY on 30 months, verified October 22, 2026.

  1. 3 mo3.50%
  2. 6 mo3.90%
  3. 9 mo3.90%
  4. 12 mo3.90%
  5. 18 mo4.00%
  6. 24 mo4.10%
  7. 30 mo4.35%
  8. 36 mo4.15%
  9. 48 mo4.20%
  10. 60 mo4.20%

Calculate earnings at 4.35% for 30 months

How VyStar Credit Union compares

Rate changes

No changes since we started tracking VyStar Credit Union on October 22, 2026.

About VyStar Credit Union

Legal name
VyStar Credit Union
Regulator ID
NCUA 68490
Headquarters
Jacksonville, FL
Available in
FL, GA
Total assets
$14.3 billion
Also known as
VyStar
Website
vystarcu.org

Source: rates read from https://vystarcu.org/personal/rates/cd-rates. See the page text we read.

Frequently asked questions

What is the highest CD rate at VyStar Credit Union?

4.35% APY on a 30-month CD, as of October 22, 2026.

What is the minimum deposit for a VyStar Credit Union CD?

The lowest minimum we found is $100; jumbo and higher balance tiers start at up to $50,000.

How does VyStar Credit Union's best CD rate compare with Treasury yields?

4.35% APY is −0.56% versus the 30-month Treasury yield of 4.91% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.35% a good CD rate?

It is 3.1 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are VyStar Credit Union CDs insured?

VyStar Credit Union is a federally insured credit union (NCUA 68490). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.

What is a share certificate at VyStar Credit Union?

A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.

How often is this page updated?

We check VyStar Credit Union's rate page every day. The rates above were last verified on October 22, 2026.

More credit union certificate rates

Rates are copied from VyStar Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with VyStar Credit Union before opening an account. This page is not financial advice.