VyStar Credit Union Review
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Edited by
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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 DepositHighlights:
CDs
Checking
Savings
MMA
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
These are sponsored offers rated highly by us for competitive rates, fees, and minimums.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.6/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.2/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate CD rating = 4.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
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
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They offer a checking account that pays interest.
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Minimum deposit and balance requirements overall are low.
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The credit union charges no monthly service fees.
Cons
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Membership is mostly limited to Florida residents and residents in parts of Georgia.
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Yields are low relative to what you can earn at other institutions.
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The overdraft/NSF fees are very high.
VyStar Credit Union banking products
VyStar Credit Union savings overview
Pros
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The minimum deposit to open the account and earn interest is low.
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There’s no monthly service fee.
Cons
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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.
CD account
Pros
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No minimum deposit is required to open a CD.
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Capital One CDs pay competitive APYs.
Cons
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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 money market overview
Pros
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There is no minimum balance requirement.
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The account doesn’t charge a monthly fee.
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Check writing is available.
Cons
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The yield is above the national average, but it’s low compared to what top competitors are offering.
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You need at least $250,000 to earn the top-tier yield, which is still not very competitive.
VyStar Credit Union checking overview
Pros
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VyStar’s free checking account includes a free debit card with surcharge-free access to over 20,000 ATMs nationwide.
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There’s no minimum deposit requirement to open and maintain the account.
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There’s no monthly service fee.
Cons
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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.
We want to know what you think about VyStar
Do you have experience with VyStar Credit Union? Let us know your thoughts.
Review methodology
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.
