High Interest Savings Accounts

Whatever you’re saving for, we can help you reach your goals faster with a high-yield savings account. Our rates are higher than the national average — helping you earn more when you save more.

Open an Account

Reach your savings goals

  • Open a fee-free account with as little as $5

  • 24/7 Online & Mobile Banking

  • Access to 20,000+ no-fee ATMs nationwide

  • Check on your accounts with Magic*Touch phone banking service

  • Earn competitive dividends on balances of $50 or more

  • Use your account for overdraft protection

More Ways to Save

Start Saving Now

1

Become a Member

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

2

Open Your Account

A savings account is required for VyStar membership. All you need is $5 to get started.

3

Set Up Your Account

Use your account for overdraft protection and set up direct deposit to save automatically each month.

Build Your Savings

Consistent investments over a number of years can be an effective strategy to accumulate wealth. Even small additions to your savings add up over time. This calculator demonstrates how to put this savings strategy to work for you.

Savings Account FAQs

Is my money safe in a savings account?

Your VyStar savings account is 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 limit of $250,000.

What is overdraft protection?

When you sign up for overdraft protection, VyStar uses the money in your savings account (or another account that you choose) to guarantee that checks and other withdrawals from your checking account will clear, even if the checking account balance drops below zero. With VyStar, there are no fees for this service. Visit any branch or give us a call to sign up.

How is a savings account different than a checking account?

With a checking account, you can write checks, withdraw cash from the ATM and use your debit card as often as you want, which makes it the best account for your day-to-day transactions. A savings account, on the other hand, is limited to six withdrawals or transfers per month due to government regulations. That makes it a better place to put money that you might need in the future, but aren't ready to use yet.

How does a savings account compare to a money market or CD?

There are many factors to consider when choosing how to save. Visit our savings comparison page to see the pros and cons of savings accounts, money markets, and certificates of deposit (CDs).

Join VyStar Today

Related Tools & Resources

Online & Mobile Banking

Manage your accounts online with bill pay, transfers, mobile check deposit and more.

Free Financial Counseling

As a VyStar member, you get free counseling from BALANCE to help you take control of your money and meet your financial goals.

Money Market Accounts

Get easy access to your money with checks and a debit card — plus competitive dividends that increase with a higher balance.

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