Skip to Main Content

VyStar Credit Union Review

Updated April 28, 2025
Bankrate logo

The Bankrate promise

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for .

At a glance

Overview

VyStar could be a great option for Floridians and Georgians in select counties looking for solid CD options and an interest-bearing checking account with a credit union.

Highlights:

Free Checking Low Fees Low Min Deposit
4.1
Rating: 4.1 stars out of 5
Bankrate Score

CDs

Rating: 4.4 stars out of 5
4.4 /5

Checking

Rating: 4.8 stars out of 5
4.8 /5

Savings

Rating: 3 stars out of 5
3.0 /5

MMA

Rating: 3.2 stars out of 5
3.2 /5
Sponsored offers

These are sponsored offers rated highly by us for competitive rates, fees, and minimums.

Bank logo
Member FDIC
Savings Account
3.60
%
APY
As of 5/9/2025
Rating: 4.4 stars out of 5
$0
Min. balance for APY
View offer Arrow Right Icon
Promoted offer: It only takes about 5 minutes to open a fee-free account.
Bank logo
Member FDIC
Savings Account
4.10
%
APY
As of 5/9/2025
Rating: 4.6 stars out of 5
$5,000
Min. balance for APY
View offer Arrow Right Icon
Promoted offer: Get up to a $300 Cash Bonus. See site for details.
Bank logo
Member FDIC
Savings Account
4.30
%
APY
As of 5/9/2025
Rating: 5 stars out of 5
$0
Min. balance for APY
View offer Arrow Right Icon
Promoted offer: No monthly maintenance fee, $0 to open, easily grow your money

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. Several of 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

  • Checkmark Icon

    They offer a checking account that pays interest.

  • Checkmark Icon

    Minimum deposit and balance requirements overall are low.

  • Checkmark Icon

    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.

VyStar Credit Union banking products

VyStar Credit Union savings overview

3.0
/5
Rating: 3 stars out of 5

Pros

  • Checkmark Icon

    The minimum deposit to open the account and earn interest is low.

  • Checkmark Icon

    There’s no monthly service fee.

Cons

  • The yield is low compared to what many other institutions offer.

Rate history for VyStar's Savings account

See how rates for this account have changed over time. Interact with the trend lines to view APY by date.

VyStar Credit Union
APY
National average APY

Display historical averages

Line chart with 2 lines.
The chart has 1 X axis displaying Time. Data ranges from 2024-05-01 04:00:00 to 2025-05-06 00:00:00.
The chart has 1 Y axis displaying values. Data ranges from 0.1 to 0.61.
End of interactive chart.
How do we get this data?

CD account

4.0
/5
Rating: 4 stars out of 5
SCORE BREAKDOWN
APY offering:
3.50%
Rating: 4 stars out of 5
4/5
Minimum deposit:
$0.00
Rating: 5 stars out of 5
5/5
Range of term lengths:
5 yrs
Rating: 2 stars out of 5
2/5
Early withdrawal penalty:
Good
Rating: 4 stars out of 5
4/5
Offer no-penalty or bump-up CDs:
No
Rating: 0 stars out of 5
0/5
Offer IRA CDs:
Yes
Rating: 5 stars out of 5
5/5

Pros

  • Checkmark Icon

    No minimum deposit is required to open a CD.

  • Checkmark Icon

    Capital One CDs pay competitive APYs.

Cons

  • Capital One Bank doesn’t offer a no-penalty CD or a rate bump CD. Some of its competitors offer these CDs.

Rate history for VyStar's CD accounts

See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.

VyStar Credit Union
APY
National average APY

Display historical averages

Line chart with 2 lines.
The chart has 1 X axis displaying Time. Data ranges from 2024-05-01 04:00:00 to 2025-05-06 00:00:00.
The chart has 1 Y axis displaying values. Data ranges from 1.22 to 3.8.
End of interactive chart.
Caret Down Icon
How do we get this data?

VyStar Credit Union money market overview

3.2
/5
Rating: 3.2 stars out of 5

Pros

  • Checkmark Icon

    There is no minimum balance requirement.

  • Checkmark Icon

    The account doesn’t charge a monthly fee.

  • Checkmark Icon

    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.

VyStar Credit Union checking overview

4.8
/5
Rating: 4.8 stars out of 5

Pros

  • Checkmark Icon

    VyStar’s free checking account includes a free debit card with surcharge-free access to over 20,000 ATMs nationwide.

  • Checkmark Icon

    There’s no minimum deposit requirement to open and maintain the account.

  • Checkmark Icon

    There’s no monthly service fee.

Cons

  • The overdraft and NSF fees are higher than average.

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.

VyStar Credit Union logo

We want to know what you think about VyStar

Do you have experience with VyStar Credit Union? Let us know your thoughts.

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.