Florida CD rates › Credit unions › VyStar
Credit union · HQ Jacksonville, FL
✓ Verified 2026-10-01 from their own posted rate sheet
VyStar currently posts 3 CD rates from 3.90% to 4.15% APY. Their sheet states an effective date of August 17, 2026..
| Term | APY | Minimum | The catch / conditions |
|---|---|---|---|
| 30 mo | 4.15% promo | $50k | Special High-Yield CD (jumbo tier) — Table prints '$49,999,99 and higher'; footnote states $50,000 minimum deposit required |
| 30 mo | 4.05% promo | $500 (cap $50k) | Special High-Yield CD — Balance tier $500 - $49,999.99 |
| 15 mo | 3.90% promo | $500 | Special High-Yield CD — $500 and higher minimum balance to earn dividends; limited time special |
Anyone who lives or works in one of 49 North and Central Florida counties can join with a $5 deposit, plus family of members. Counties: Alachua, Baker, Bay, Bradford, Brevard, Calhoun, Citrus, Clay, Columbia, Dixie, Duval, Escambia, Flagler, Franklin, Gadsden, Gilchrist, Gulf, Hamilton, Hernando, Hillsborough, Holmes, Jackson, Jefferson, Lafayette, Lake, Leon, Levy, Liberty, Madison, Marion, Nassau, Okaloosa, Orange, Osceola, Pasco, Pinellas, Polk, Putnam, Santa Rosa, Seminole, St. Johns, Sumter, Suwannee, Taylor, Union, Volusia, Walton, Wakulla, Washington. Family of existing members can generally join too.
92 branches in 19 counties: Alachua (Alachua, Gainesville) · Baker (Macclenny) · Bradford (Starke) · Brevard (Melbourne, Titusville) · Clay (Green Cove Springs, Middleburg, Orange Park) · Columbia (Lake City) · Duval (Jacksonville, Neptune Beach) · Flagler (Palm Coast) · Lake (Mount Dora) · Leon (Tallahassee) · Marion (Belleview, Ocala) · Nassau (Callahan, Fernandina Beach, Yulee) · +7 more
Best Florida CD rates by term: 3 mo 6 mo 9 mo 1 yr 18 mo 2 yr 3 yr 4 yr 5 yr · by county · by city · all institutions