High Interest Savings Accounts

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.

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.

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.

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).