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Credit Union is a not-for-profit financial cooperative formed with a motive of serving the financial needs of its members. VyStar Credit Union operates with a mission of becoming the primary financial institution for its members while maintaining its fiscal soundness. Its grassroots are laid in its core values of Integrity, Trust, Respect, Dedication and Loyalty. It was started in 1952 to serve the civil service and military employees along with their families. After its first year it had 1,100 members with $28,000 in assets. Today it has become one of the largest credit unions in the nation, serving over 350,000 members nationwide. It is committed to provide the best services to its members and give them a secure future.
You can start getting the benefits with their Certificates of Deposit (CD). With a minimum deposit of $500 locked in for a period of 3 months to 5 years. You earn higher dividend rates if you deposit your funds for a longer period of time. Dividends are compounded and paid monthly.
- 3 months certificates with an account balance of under $10,000 would get a dividend rate of 2.96% with 3.00% APY
- 6 months certificates with an account balance of under $10,000 would get a dividend rate of 3.45% with 3.51% APY
- 9 months certificates with an account balance of under $10,000 would get a dividend rate of 3.45% with 3.51% APY
- 12 months certificates with an account balance of under $10,000 would get a dividend rate of 3.74% with 3.80% APY
- 24 months certificates with an account balance of under $10,000 would get a dividend rate of 3.83% with 3.90% APY
- 30 months certificates with an account balance of under $10,000 would get a dividend rate of 3.83% with 3.90% APY
- 36 months certificates with an account balance of under $10,000 would get a dividend rate of 3.98% with 4.05% APY
- 48 months certificates with an account balance of under $10,000 would get a dividend rate of 4.03% with 4.11% APY
- 60 months certificates with an account balance of under $10,000 would get a dividend rate of 4.22% with 4.30% APY
*These rates are effective as on 27 February, 2008. For more details you may visit their site: http://www.vystarcu.org.
18-Month Step-Up Certificates:
With this certificate you get a one-time option to adjust to higher rate before the certificate matures. You may also add amounts of $2,000 or more at any time within the duration of this certificate. Dividends are compounded and paid monthly. An early withdrawal penalty may apply.
- 18 months certificates with an account balance of under $10,000 would get a dividend rate of 3.74% with 3.80% APY
*These rates are effective as on 27 February, 2008. For more details you may visit their site: http://www.vystarcu.org.
The National Credit Union Share Insurance Fund (NCUSIF) or the Fund, an arm of the National Credit Union Administration (NCUA), insures the shares you have in VyStar.
You can also realize your financial goals and dreams by becoming a member of this credit union. Thousands of people have already achieved. So you can also follow their steps.
