A VyStar Certificate of Deposit (CD) offers you the opportunity to lock in a fixed rate of interest to earn on your money over a specific time period. Lock in your earning power and enjoy high yields for the term of your choice – from three months to five years.
A minimum deposit of $500 gets you started. We also provide tiered rates for higher balances. An early withdrawal penalty may apply. Interest paid may be withdrawn by the account holder from the account without penalty, but will reduce the earnings.
View Current Certificate Rates
For additional rate flexibility, you may want to open a certificate with a one-time option to adjust to a higher rate before the certificate matures. This is what our 18-month certificate has to offer.
You can also add amounts of $2,000 or more at any time during the 18-month term. An early withdrawal penalty may apply. Dividends earned are compounded and paid monthly, so your dividends keep on earning dividends. We never forget it’s your money, and we want that money to work for you.
To get started or for assistance, talk to a VyStar Representative today. Call (904) 777-6000, 1 (800) 445-6289 or stop by any VyStar branch.
Maximize your CD earnings for retirement by laddering. It’s a way to take advantage of earning at higher interest rates by spreading maturity dates over a period of time. It’s a good option for a mature savings portfolio.
Example: instead of investing all of your money into one certificate, divide it into five separate certificates and purchase a one-year, two-year, three-year, four-year and five-year certificate. Each year, you roll the certificate that comes due into a generally higher-yielding five-year certificate. After five years, all your certificates will be earning the higher rate of interest at the time and, even better, you’ll have liquidity. This method helps ensure that you always have access to part of your funds within one year.
To get started or to learn more, talk to a VyStar Representative today to find out if a CD is right for you. Call (904) 777-6000, 1 (800) 445-6289 or stop by any VyStar branch.