VyStar Credit Union 18-Month Step-Up Certificate
VyStar Credit Union 18-Month Step-Up Certificate
in CD Accounts from VyStar Credit Union · Insured by NCUA

VyStar Credit Union 18-Month Step-Up Certificate

in CD Accounts from VyStar Credit Union · Insured by NCUA
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First Tech Share Certificates
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APY (Annual Percentage Yield) 0.50% - 0.60%
Minimum Opening Deposit Starting at $500
Certificate Term 18 months

VyStar Credit Union 18-Month Step-Up Certificate Review

VyStar Credit Union 18-Month Step-Up Certificate are offered by VyStar Credit Union, a credit union founded in 1952 and based in Jacksonville, FL. VyStar Credit Union 18-Month Step-Up Certificate are available in 1 state across the USA.

Key Takeaways

  • Only one share certificate type available. VyStar Credit Union CD only offers bump up share certificate accounts.
  • Very high annual percentage yield (APY). This account offers an annual percentage yield of up to 0.60%, which is much higher than the national average for a certificate account.
  • $500 minimum deposit. This is a typical minimum initial deposit for the certificates we track.
  • Limited selection of share certificate terms. VyStar Credit Union CD only offers one share certificate term. This limits your options when trying to set up a certificate ladder.

Pros & Cons of VyStar Credit Union 18-Month Step-Up Certificate

Pros Cons
  • Insured by NCUA.
  • High-dividend yield
  • Only available in one state.
  • Poor selection of certificate terms.
  • There isn't a no-penalty certificate option.
  • Does not offer an IRA CD.

VyStar Credit Union 18-Month Step-Up Certificate FAQ

Are share certificates from VyStar Credit Union federally insured?

Yes, your share certificates are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What is the difference between CDs and Share Certificates?

Certificates of Deposit (CDs) and Share Certificates are both deposit accounts where your money can grow at a fixed rate for a predetermined period of time. Both are low-risk and federally insured products designed to give you a better rate on your deposits than typical savings accounts. The main difference between them is that CDs are offered by for-profit banks, whereas Share Certificates are offered by member-owned, not-for-profit credit unions.

What types of share certificates does VyStar Credit Union offer?

VyStar Credit Union CD provides the following types of share certificates.
  • Traditional share certificates. These share certificates pay a fixed interest rate if you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or automatically renewing the share certificate for another term.
  • Bump-up share certificates. Bump-up share certificates allow you to increase the interest rate you earn on your savings if the going interest rates rise. These share certificates are useful in a changing interest rate environment.

What rates does VyStar Credit Union offer on its share certificates?

VyStar Credit Union CD offers an APY starting at 0.50% and ranging up to 0.60%. APY stands for annual percentage yield and shows the interest rate paid by the share certificate after taking into account compounding.

What terms does VyStar Credit Union CD offer?

VyStar Credit Union offers share certificate terms of the following lengths:
VyStar Credit Union 18-Month Step-Up Certificate Rates & Terms
APY (Annual Percentage Yield) 0.50% - 0.60%

What is the minimum deposit to open a share certificate account with VyStar Credit Union?

VyStar Credit Union CD require a minimum deposit of $500 to open an account.

What is the grace period for VyStar Credit Union CD?

There is a 7-day grace period for VyStar Credit Union CD. A grace period is a period of time during which you can withdraw the money in your share certificate without paying an early withdrawal penalty. A grace period starts the day after a share certificate’s maturity date, or the final day a share certificate is opened. Standard share certificates renew automatically at the same term if you don't withdraw your money after the 7-day grace period. Note that the new share certificate rates probably won’t be the same as the original.

What types of fees, such as early withdrawal penalties, does VyStar Credit Union charge?

Financial institutions don't typically charge many fees on share certificates. However, most charge a fee if you choose to withdraw your money before the term ends.

VyStar Credit Union does not charge an early withdrawal fee.

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Message From VyStar Credit Union CD

We offer competitive rates for CDs to help you reach your savings goals. Find today’s CD rates, based on the balance you deposit. With an 18-Month Step-Up Certificate, you have the one-time ability to adjust to a higher rate before your certificate matures. At any period during your 18-month term, you can fund your account with any amount over $2,000. Choose an 18-Month Step-Up Certificate for additional rate flexibility.


Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 7:30am - 6:00pm
  • Saturday 9:00am - 1:00pm

Other Services by VyStar Credit Union

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  Available in 1 state
Availabile in all of Florida

Feature Breakdown

Minimum Opening Deposit Starting at $500
APY (Annual Percentage Yield) 0.50% - 0.60%
Certificate Term 18 months
CD Accounts Bump Up
Grace Period for Account Changes 7 days

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