Savings Accounts | VyStar Credit Union

A wise choice for a strong financial future is a savings program where you take a percentage of your income and consistently deposit it into a savings account. This gives you a cushion for emergencies and can also help you reach your longer-term financial goals. We believe that everyone deserves a simple, easy way to save.

With a VyStar regular savings account, you enjoy:

Competitive dividends to earn while you save
Opportunity to use as overdraft protection
No monthly service fee
Easy access to funds

The Benefits of Having a Savings Account

Keep Your Money Safe

VyStar Credit Union members’ deposits are insured by the National Credit Union Share Insurance Fund (NCUSIF), an arm of the National Credit Union Administration (NCUA). NCUA insurance is similar to the deposit insurance protection offered by the Federal Deposit Insurance Corporation (FDIC), which means it is backed by the U.S. government and insured up to the legal allowable limit. For more information about how your money is insured at our credit union, please visit our blog to read more about the safety of your money at a credit union.

Watch Your Money Grow

Aside from being a safe and convenient way to set aside money for your financial goals, funds deposited into your savings account also accrue interest over time. VyStar Credit Union typically offers competitive interest rates to members. You can also set up direct deposit so you can watch your funds grow automatically.

Access Your Money Easily

With VyStar branches and ATMs conveniently located in Northeast through Central Florida, services like Internet & Mobile Banking, an easy-to-reach member services team, and simple account access by phone via Magic*Touch, managing your account and accessing your money has never been easier.

How to Get Started:

Becoming a VyStar member and opening a new VyStar savings account is easy, and it can be done in person at any branch or online. To get started online, just follow these simple instructions.

Click on the “Become a Member” link here or at the top right corner of this page.
Follow the on-screen prompts to fill out and submit your membership application, and to select the type of account(s) you would like to open. A savings account is required for VyStar membership. All you need to get your account started is a $5 membership fee and a $5 deposit into the account.

If you have any questions about VyStar savings accounts, please call us at (904) 777-6000 or 1 (800) 445-6289. Our representatives are more than happy to assist you.

Savings Account FAQs

When will my deposit be credited to my account?

VyStar's general policy is to make funds from your cash and check deposits available to you on the same business day that we receive your deposit. It is also our policy to make wire transfers and electronic direct deposits available to you on the same business day that we receive the deposit.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit in person to one of our employees on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit on a day when we are not open, we consider that the deposit was made on the next business day that we are open. If you make a deposit at any of our ATMs, we will consider that to be the day of your deposit.

If you have questions about your deposit, please call us (904) 777-6000 or 1 (800) 445-6289.

Why is there a hold on my deposit?

VyStar's general policy is to make funds from your cash and check deposits available to you on the same business day that we receive your deposit.

However, at times, we place a hold on the funds. Some common reasons include, but are not limited to:

We believe a check you deposit will not be paid.
You deposit checks totaling more than $5,000.00 on any one day.
You redeposit a check that has been returned unpaid.
You have overdrawn your account repeatedly in the last six months.
There is an emergency, such as failure of communications or computer equipment.

Please refer to our Funds Availability Policy within the VyStar Membership Booklet for further information.

If you have questions about a hold that was placed on your deposit, please call us (904) 777-6000 or 1 (800) 445-6289.

How do I set up direct deposit?

When establishing direct deposit, the entity issuing payments will ask for several items, including the routing transit number and your account number. Download the printable direct deposit sign-up form you can take with you to your employer or government agency for easy setup.

You can find further helpful information on locating account numbers on the Setting Up Direct Deposit page.

What is the routing number?

VyStar's Routing Number for direct deposit and wire transfers: 263079276

How do I use my phone or tablet to make a deposit?

Download the most recent version of our VyStar Mobile Banking App onto your device. If you already have it, skip to the next step.
Open the app and select "Deposits."
First-time users must accept the service agreement and receive a confirmation.
Select the VyStar account (savings or checking) you would like to deposit to the check into.
Enter the amount of the deposit.
Sign the back of your check and write “For Mobile Deposit.”
Take a picture of the front and back of the check.
Confirm the deposit information and submit.

For helpful tips and how to set up mobile deposit alerts, visit the Mobile Check Deposit page.

Other Savings Products

Kids Club

Free savings account to help children 12 years old or under discover how much fun savings can be.

Revocable Living Trust

Custodial account that allows you to transfer legal ownership of your assets to a trustee.

FLUTMA Account

Custodial account to manage the funds of an account for the benefit of a minor.

Certificates of Deposit (CDs)

Opportunity to lock in a fixed interest rate to earn on your money over a specific time period.

Individual Retirement Accounts (IRAs)

Safe, trustworthy way to save for your retirement.

Educational Savings Accounts (ESA)

Investment account that allows you to save for your child’s future educational expenses.

Savings Bonds

U.S. savings bond redemption service are available at any VyStar branch. Also, learn about the benefits of savings bonds.

Health Savings Accounts (HSA)

Convenient way to save money for health care costs and pay for qualified medical expenses while taking advantage of tax savings.

Safe Deposit Boxes

Secure option for protecting your jewelry, important documents and so much more.

Dividends paid to the account is calculated daily, compounded monthly and credited monthly. For all savings and money market accounts, no more than six (6) preauthorized, automatic, Internet, or telephone transfers and withdrawals may be made from these accounts to another account of yours, to a third party, or by check, draft or access card in any statement cycle. If you exceed these limitations, your account may be subject to temporary reclassification or account closure by the Credit Union. Does not apply to Health Savings Accounts or IRA Savings Accounts.