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Source: https://vystarcu.org/personal/rates/cd-rates
Read: 2026-10-22T04:55:39.000Z

CD TERM | MINIMUM BALANCE TO EARN DIVIDENDS | DIVIDEND RATE | APY
3 months | Up to $49,999.99 | 3.34% | 3.40%
3 months | $50,000 and higher | 3.44% | 3.50%
6 months | Up to $49,999.99 | 3.73% | 3.80%
6 months | $50,000 and higher | 3.83% | 3.90%
9 months | Up to $49,999.99 | 3.73% | 3.80%
9 months | $50,000 and higher | 3.83% | 3.90%
12 months | Up to $49,999.99 | 3.73% | 3.80%
12 months | $50,000 and higher | 3.83% | 3.90%
Youth CD - 12 months | $100 - $2,000 max | 3.83% | 3.90%
18 months | Up to $49,999.99 | 3.83% | 3.90%
18 months | $50,000 and higher | 3.92% | 4.00%
24 months | Up to $49,999.99 | 3.92% | 4.00%
24 months | $50,000 and higher | 4.02% | 4.10%
30 months | Up to $49,999.99 | 4.16% | 4.25%
30 months | $50,000 and higher | 4.26% | 4.35%
36 months | Up to $49,999.99 | 3.97% | 4.05%
36 months | $50,000 and higher | 4.07% | 4.15%
48 months | Up to $49,999.99 | 4.02% | 4.10%
48 months | $50,000 and higher | 4.12% | 4.20%
60 months | Up to $49,999.99 | 4.02% | 4.10%
60 months | $50,000 and higher | 4.12% | 4.20%
APY = Annual Percentage Yield
18 Month Step-up Certificate and VyStar Pace and Kid’s Account Certificate - You may change the dividend rate (and corresponding APY) one time on an 18-month Step-up (or adjustable rate) certificate. This change is a one-time option during the 18-month term of the certificate. You will have to make the decision to adjust the dividend rate to the current published 18-month Step-up certificate dividend rates. If you adjust the dividend rate, this new dividend rate would be fixed for the remainder of the 18-month certificate term. You also have the ability to make multiple deposits of additional funds (add-ons) to the 18-month Step-up certificate account with a minimum deposit of $2,000 or more. For the VyStar Pace and Kid’s Account Certificate, you have the ability to make multiple deposits of additional funds (add-ons) to the certificate account with a minimum deposit of $25 or more. The VyStar Pace and Kid’s Account Certificate is not eligible for the one-time dividend rate step-up option.
APY*