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  VyStar Credit Union Savings Account

VyStar Credit Union Savings Account

in Savings Accounts from VyStar Credit Union · ncua

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VyStar Credit Union Savings Account

Unaffiliated

in Savings Accounts from VyStar Credit Union · Insured by NCUA

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Highlights
Monthly Fee $0 - $5
APY (Annual Percentage Yield) 0.1%
APY Minimum Balance $50

VyStar Credit Union Savings Account Review

VyStar Credit Union Savings Account is offered by VyStar Credit Union, a credit union founded in 1952 and based in Jacksonville, FL. VyStar Credit Union Savings Account is available in 1 state across the USA.

Key Takeaways
  • Higher than average APY. VyStar Credit Union Savings Account has an annual percentage yield of up to 0.1%, which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $50.
  • $0 monthly Service Charge available. This account charges a monthly service fee of up to $5.
  • Small minimum initial deposit. You only need $5 to open an account.
  • No ATM fees. VyStar Credit Union Savings Account does not charge fees on ATM transactions.
  • Bill pay. Pay your bills to practically anyone in the United States through VyStar Credit Union.
Vystar savings account Pros & Cons
Pros Cons
  • Dividend-yielding account
  • Insured by NCUA.
  • Access to physical branches.
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not come with a debit card
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Monthly service charge.
Vystar savings account FAQ

Are savings accounts from VyStar Credit Union federally insured?

Yes, your VyStar Credit Union savings accounts 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.

Does VyStar Credit Union offer a signup bonus?

Vystar savings account doesn't offer a signup bonus.

What is the minimum initial deposit for Vystar savings account?

The minimum deposit to open a Vystar savings account is $5.
VyStar Credit Union Savings Account Minimums
Description
APY Minimum Balance $50
Minimum Opening Deposit Starting at $5

What APY does VyStar Credit Union offer?

Vystar savings account offers an APY of 0.1% (APY stands for annual percentage yield, rates may change).

The interest rate on a savings account or checking account can change based, in part, on what the Federal Reserve does. Note that the APY of a savings account is the amount of interest you will earn if you keep your money in the account for a full year expressed as a percentage. The difference between an APY and an interest rate is that the APY takes into account how often your money earns interest (or compounds). The more often your money compounds, the more it will earn. Savings accounts with an interest rate that compounds daily, for example, will earn a higher return (and therefore a higher APY) than savings accounts that compound annually.

What fees does Vystar savings account charge?

Vystar savings account does not charge a monthly service fee. See the fee breakdown section below to view all fees.

  • Outgoing domestic bank transfers come with a $15 fee.
  • Vystar savings account charges a $5 fee for an early account closure. Contact Vystar savings account for more details on what is considered an early closure.

What features and perks does Vystar savings account offer?

This savings account includes the following features:

  • Fraud monitoring - Vystar savings account monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location, or you make a sudden string of costly purchases.
  • Free Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Vystar savings account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

Can you set up a direct deposit to Vystar savings account?

In most cases, the answer is yes. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.

What is the customer support email for Vystar savings account?

The customer support email for Vystar savings account is social@vystarcu.org.

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Contact

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

Availability

  Available in 1 state
Florida
Availabile in all of Florida

Feature Breakdown

APY Minimum Balance $50
Minimum Opening Deposit Starting at $5
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
Early Account Closure $5
Monthly Fee $0 - $5
Returned Deposit Fee (Domestic) $32
Wire Transfer Fee - Domestic (Outgoing) $15
Bauer Financial A+/A Rating
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Automatic Transfers
  • Bauer Financial A+/A Rating
  • Insured by NCUA
  • Branch Access
APY (Annual Percentage Yield) 0.1%

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