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Vystar Credit Union

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Vystar Credit Union Rates & Review November 2026

Q: What CD terms does Vystar Credit Union offer?

Vystar Credit Union CD rates are 4.30% APY for a 15 month CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Vystar Credit Union for its full lineup.

Q: How many branches does Vystar Credit Union operate?

Vystar Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Vystar Credit Union?

Yes, to access services at Vystar Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Vystar Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Vystar Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Vystar Credit Union's 15-Month CD rates are at 4.30%. MonitorBankRates evaluates the financial stability of Vystar Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.56%. Rates last updated and verified on 10/30/2026.

Vystar Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Vystar Credit Union? Share your experience about Vystar Credit Union by leaving a review below, or read customer reviews before you decide to use Vystar Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.56%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Vystar Credit Union
Corporate Office (VyStar Tower)

76 S Laura St
Jacksonville, FL 32202-3433

https://www.vystarcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Vystar Credit Union CD Rates

Product	Rate	APY	Term	View More
15-Month CD	-	4.30%	15 months
Details Advertised as 'Earn up to 4.30% APY' on the homepage Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Vystar Credit Union’s Texas Ratio rose from 6.33% in Q3 2023 to 9.56% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$14.3B	9.56%	5.0	A
March 31, 2026	$13.8B	9.23%	5.0	A
December 31, 2025	$13.7B	11.12%	5.0	A
September 30, 2025	$13.9B	10.45%	5.0	A
June 30, 2025	$14.0B	9.13%	5.0	A
March 31, 2025	$14.0B	5.44%	5.0	A+
December 31, 2024	$14.0B	7.59%	5.0	A
September 30, 2024	$14.7B	7.16%	5.0	A
June 30, 2024	$14.8B	6.46%	5.0	A
March 31, 2024	$14.8B	6.06%	5.0	A
December 31, 2023	$13.6B	6.99%	5.0	A
September 30, 2023	$13.4B	6.33%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Vystar Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Vystar Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Vystar Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Vystar Credit Union

Website https://www.vystarcu.org

Address 76 S Laura St, Jacksonville, FL 32202-3433

Phone 904-777-6000

Fax

President Diane Fears

CEO Brian Wolfburg

Full-Time Employees 2,231

Part-Time Employees 4

Branch Locations 98

ATM Locations 81

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.56%

Return on Assets (ROA)

0.2391%

Return on Equity (ROE)

2.7453%

Non-Performing Loans Ratio (NPL)

1.25%

Total Assets

14,273,970,203

Total Amount of Shares and Deposits

11,173,143,775

Total Shares and Deposits < 1 Year

10,768,881,297

Total Shares and Deposits 1 3 Years

348,867,052

Total Shares and Deposits > 3 Years

55,395,426

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

774,479,585

Total Uninsured Shares and Deposits > $250K (F+J)

774,589,687

Total Insured Shares and Deposits > $250K (item 17 less item K)

10,398,554,088

Total Interest Expense (Sum of items 6 8)

113,960,080

Share Certificates

70,661

Number of Accounts for Share Drafts

718,072

IRA KEOGH Accounts

27,748

Number of Accounts for Regular Shares

1,137,638

All other shares

20,478

Non Member Deposits

4,494

Money Market Shares

76,693

Net Income (unless the amount is already included in Undivided Earnings)

34,127,145

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

433,788,690

Total Liabilities

13,377,203,371

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Vystar Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/credit-unions/vystar-credit-union-rates-review-68490">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Vystar Credit Union

Does Vystar Credit Union offer CDs?

Yes. Vystar Credit Union current CD rates include its 15-Month CD at 4.30% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Vystar Credit Union NCUA insured?

Yes. Vystar Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Vystar Credit Union?

The highest Vystar Credit Union CD rate is its 15-Month CD at 4.30% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Vystar Credit Union offer?

Vystar Credit Union CD rates are 4.30% APY for a 15 month CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Vystar Credit Union for its full lineup.

How many branches does Vystar Credit Union operate?

Vystar Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Vystar Credit Union?

Yes, to access services at Vystar Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Vystar Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Vystar Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Vystar Credit Union offer online and mobile banking?

Most modern institutions like Vystar Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.vystarcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.