VyStar Credit Union rates: up to 4.35% APY
credit union · NCUA CHARTER 68490 · vystarcu.org
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Health Savings Account | $2,499.99 & below | 0.26% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | $2,500 - $9,999.99 | 0.26% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | $10,000 - $24,999.99 | 0.31% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | $25,000 - $49,999.99 | 0.36% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | $50,000 - $99,999.99 | 0.41% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | $100,000 or more | 0.46% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings | $2,499.99 & below | 0.26% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings | $2,500 - $9,999.99 | 0.26% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings | $10,000 - $24,999.99 | 0.36% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings | $25,000 - $49,999.99 | 0.46% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings | $50,000 - $99,999.99 | 0.51% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings | $100,000 or more | 0.56% | APY | 2026-11-01 | since 2026-11-01 | |
| Kids Club Savings | No minimum | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Primary Savings | $50 or more | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular Savings | $50 or more | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| CDs - Rate Accounts | 3 months · Up to $49,999.99 | 3.40% | APY | 2026-11-01 | since 2026-11-01 | |
| CDs - Rate Accounts | 3 months · $50,000 and higher | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| CDs - Rate Accounts | 6 months · Up to $49,999.99 | 3.80% | APY | 2026-11-01 | since 2026-11-01 | |
| CDs - Rate Accounts | 6 months · $50,000 and higher | 3.90% | APY | 2026-11-01 | since 2026-11-01 | |
| CDs - Rate Accounts | 9 months · Up to $49,999.99 | 3.80% | APY | 2026-11-01 | since 2026-11-01 | |
| CDs - Rate Accounts | 9 months · $50,000 and higher | 3.90% | APY | 2026-11-01 | since 2026-11-01 | |
| CDs - PACE Youth Rate Accounts | Youth CD - 12 months · $100 - $2,000 max | 3.90% | APY | 2026-11-01 | since 2026-11-01 | |
| CDs - Rate Accounts | 12 months · Up to $49,999.99 | 3.80% | APY | 2026-11-01 | since 2026-11-01 | |
| CDs - Rate Accounts | 12 months · $50,000 and higher | 3.90% | APY | 2026-11-01 | since 2026-11-01 | |
| CDs - Rate Accounts | 18 months · Up to $49,999.99 | 3.90% | APY | 2026-11-01 | since 2026-11-01 | |
| CDs - Rate Accounts | 18 months · $50,000 and higher | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| CDs - Rate Accounts | 24 months · Up to $49,999.99 | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| CDs - Rate Accounts | 24 months · $50,000 and higher | 4.10% | APY | 2026-11-01 | since 2026-11-01 | |
| CDs - Rate Accounts | 30 months · Up to $49,999.99 | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| CDs - Rate Accounts | 30 months · $50,000 and higher | 4.35% | APY | 2026-11-01 | since 2026-11-01 | |
| CDs - Rate Accounts | 36 months · Up to $49,999.99 | 4.05% | APY | 2026-11-01 | since 2026-11-01 | |
| CDs - Rate Accounts | 36 months · $50,000 and higher | 4.15% | APY | 2026-11-01 | since 2026-11-01 | |
| CDs - Rate Accounts | 48 months · Up to $49,999.99 | 4.10% | APY | 2026-11-01 | since 2026-11-01 | |
| CDs - Rate Accounts | 48 months · $50,000 and higher | 4.20% | APY | 2026-11-01 | since 2026-11-01 | |
| CDs - Rate Accounts | 60 months · Up to $49,999.99 | 4.10% | APY | 2026-11-01 | since 2026-11-01 | |
| CDs - Rate Accounts | 60 months · $50,000 and higher | 4.20% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market | $9,999.99 & below | 0.90% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | $10,000 - $99,999.99 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | $100,000 to $249,999.99 | 1.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | $250,000 or greater | 1.45% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| vystarcu.org/personal/rates/cd-rates | 2026-11-01 12:14 UTC | ok | 9d6d1387f6d5 |
| vystarcu.org/personal/rates/savings-ira-hsa-rates | 2026-11-01 12:14 UTC | ok | e3e8a2c220be |