High Yield Certificates of Deposit (CDs)

Reach your savings goals faster with a high-yield CD and earn even more than you would on a typical savings account. Plus, your rate increases the more you save.

Open a CDView Rates

Put your money to work

  • Minimum deposit of $500

  • Dividends are compounded monthly and paid monthly

  • Terms from three months to five years

  • Choose an 18-Month Step-Up Certificate for additional rate flexibility

  • Withdraw dividends at any time with no penalty, or let them keep earning

More Ways to Save

Get Started with CDs

1

Become a Member

Quickly and easily complete your application online, by phone or at one of our branches.

2

Open Your CD

Once you’re a VyStar member, you can open a CD online, by phone or in person at any branch.

3

Renew Automatically to Keep Earning

When your CD term is up, you can automatically renew at the current rate, or withdraw your money.

Calculate CD Earnings

CD FAQs

What if I need my money before the term is up?

You can withdraw your earned dividends at any time with no penalty. You can also withdraw part of the principal before the term is up, as long as the remaining principal balance still meets the minimum opening requirements. Penalties for principal withdrawals are calculated based on the term of the CD and the amount you withdraw. Talk to a VyStar representative for details.

What are the penalties for early withdrawals?

Penalties for early principal withdrawals are calculated based on the term of the CD and the amount you withdraw.

What happens when my CD term is up?

VyStar will contact you 30 days before your CD term ends. If you want to reinvest in another CD, you don’t have to take any additional action — your CD will automatically renew at the same term for the current rate. If you want to withdraw your money or try another type of investment, then let us know before your CD term ends.

What is an 18-Month Step-Up Certificate?

With an 18-Month Step-Up Certificate, you have the one-time ability to adjust to a higher rate before your certificate matures. At any period during your 18-month term, you can fund your account with any amount over $2,000.

Get Started

Related Tools & Resources

Certificate of Deposit (CD) Rates

We offer competitive rates for CDs to help you reach your savings goals. Find today’s CD rates, based on the balance you deposit.

Individual Retirement Accounts (IRAs)

Get competitive rates with no maintenance or administration fees on traditional IRAs, Roth IRAs, SEP IRAs and IRA Certificates.

Health Savings Accounts

Lower your taxes while saving for qualified medical expenses with a VyStar Health Savings Account (HSA).