# VyStar Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/vystar-credit-union
Institution: VyStar Credit Union (NCUA 68490)
Aliases: VyStar
Status: live
Last verified: 2026-10-22T04:55:39.000Z (October 22, 2026)
Official source: https://vystarcu.org/personal/rates/cd-rates
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| CD | standard | 3 months | $50,000 | 3.50% | Not ZIP-priced | −0.79% | 2026-10-22T04:55:39.000Z | [Snapshot 112](https://apyledger.com/snapshots/112) |
| CD | standard | 3 months | Not stated | 3.40% | Not ZIP-priced | −0.90% | 2026-10-22T04:55:39.000Z | [Snapshot 112](https://apyledger.com/snapshots/112) |
| CD | standard | 6 months | $50,000 | 3.90% | Not ZIP-priced | −0.50% | 2026-10-22T04:55:39.000Z | [Snapshot 112](https://apyledger.com/snapshots/112) |
| CD | standard | 6 months | Not stated | 3.80% | Not ZIP-priced | −0.60% | 2026-10-22T04:55:39.000Z | [Snapshot 112](https://apyledger.com/snapshots/112) |
| CD | standard | 9 months | $50,000 | 3.90% | Not ZIP-priced | −0.58% | 2026-10-22T04:55:39.000Z | [Snapshot 112](https://apyledger.com/snapshots/112) |
| CD | standard | 9 months | Not stated | 3.80% | Not ZIP-priced | −0.68% | 2026-10-22T04:55:39.000Z | [Snapshot 112](https://apyledger.com/snapshots/112) |
| Youth CD | special | 12 months | $100 | 3.90% | Not ZIP-priced | −0.67% | 2026-10-22T04:55:39.000Z | [Snapshot 112](https://apyledger.com/snapshots/112) |
| CD | standard | 12 months | $50,000 | 3.90% | Not ZIP-priced | −0.67% | 2026-10-22T04:55:39.000Z | [Snapshot 112](https://apyledger.com/snapshots/112) |
| CD | standard | 12 months | Not stated | 3.80% | Not ZIP-priced | −0.77% | 2026-10-22T04:55:39.000Z | [Snapshot 112](https://apyledger.com/snapshots/112) |
| CD | standard | 18 months | $50,000 | 4.00% | Not ZIP-priced | −0.72% | 2026-10-22T04:55:39.000Z | [Snapshot 112](https://apyledger.com/snapshots/112) |
| CD | standard | 18 months | Not stated | 3.90% | Not ZIP-priced | −0.82% | 2026-10-22T04:55:39.000Z | [Snapshot 112](https://apyledger.com/snapshots/112) |
| CD | standard | 24 months | $50,000 | 4.10% | Not ZIP-priced | −0.77% | 2026-10-22T04:55:39.000Z | [Snapshot 112](https://apyledger.com/snapshots/112) |
| CD | standard | 24 months | Not stated | 4.00% | Not ZIP-priced | −0.87% | 2026-10-22T04:55:39.000Z | [Snapshot 112](https://apyledger.com/snapshots/112) |
| CD | standard | 30 months | $50,000 | 4.35% | Not ZIP-priced | −0.56% | 2026-10-22T04:55:39.000Z | [Snapshot 112](https://apyledger.com/snapshots/112) |
| CD | standard | 30 months | Not stated | 4.25% | Not ZIP-priced | −0.66% | 2026-10-22T04:55:39.000Z | [Snapshot 112](https://apyledger.com/snapshots/112) |
| CD | standard | 36 months | $50,000 | 4.15% | Not ZIP-priced | −0.80% | 2026-10-22T04:55:39.000Z | [Snapshot 112](https://apyledger.com/snapshots/112) |
| CD | standard | 36 months | Not stated | 4.05% | Not ZIP-priced | −0.90% | 2026-10-22T04:55:39.000Z | [Snapshot 112](https://apyledger.com/snapshots/112) |
| CD | standard | 48 months | $50,000 | 4.20% | Not ZIP-priced | −0.78% | 2026-10-22T04:55:39.000Z | [Snapshot 112](https://apyledger.com/snapshots/112) |
| CD | standard | 48 months | Not stated | 4.10% | Not ZIP-priced | −0.88% | 2026-10-22T04:55:39.000Z | [Snapshot 112](https://apyledger.com/snapshots/112) |
| CD | standard | 60 months | $50,000 | 4.20% | Not ZIP-priced | −0.81% | 2026-10-22T04:55:39.000Z | [Snapshot 112](https://apyledger.com/snapshots/112) |
| CD | standard | 60 months | Not stated | 4.10% | Not ZIP-priced | −0.91% | 2026-10-22T04:55:39.000Z | [Snapshot 112](https://apyledger.com/snapshots/112) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.