VyStar Credit Union Fernandina Beach FL: Affordable Auto Loans & Mortgage Refinancing

Introduction

Welcome to Vystar, your trusted partner in financial well-being right here in the heart of Fernandina Beach, FL. Located at 1900 S 14th St, our branch has been serving the community since 1952, and we're proud to have built a solid foundation of trust with our nearly 1 million members. With assets totaling over $14.7 billion, we are committed to providing exceptional service and support tailored to meet your unique financial needs. At Vystar, we understand that every member's journey is different. That's why we offer a range of services designed just for you from personal banking options like checking and savings accounts to various loan products, including auto loans and mortgages. Our dedicated team, led by CEO Brian Wolfburg and Board President Phillip Siddons, is here to guide you every step of the way. We know how important it is for you to feel secure in your financial choices. With total deposits exceeding $975 million and a net worth of about $1.3 billion, you can count on us to safeguard your investments. Our commitment extends beyond numbers; we strive to make a positive impact in our community, ensuring that all our members can thrive. While members can visit us at 1900 S 14th St, official correspondence should be sent to the same address for your convenience. If you ever have questions or need assistance, don't hesitate to reach out at 904-908-2458. We're here during lobby hours from Monday through Thursday from 9 AM to 5 PM, and Friday from 9 AM to 6 PM. Join us at Vystar where your financial future is our priority! Visit our website at vystarcu.org for more information or come by today to see how we can help you achieve your goals!

Branch History & Mission

Community Focus

While members can visit us at our physical location for personalized service, official correspondence should be sent to our mailing address at 1900 S 14th St, Fernandina Beach, FL 32034 if different needs arise. We also feature an ATM for easy access to your funds any time you need them. At Vystar, we're not just about numbers; we're about people. Our team actively engages in local initiatives aimed at improving financial literacy and supporting various causes within Fernandina Beach. Together with our members, we aim to make a positive impact on the lives of those around us.

Join Us

As we continue to grow and adapt in this ever-changing world, we invite you to become part of the Vystar family. Experience firsthand how we can help you achieve your financial goals while being part of a supportive community-focused credit union. Call us today at 904-908-2458 or visit our website at Vystar for more information. Together, let's build a brighter future!

Our Journey

Located at 1900 S 14th St, Fernandina Beach, FL 32034, Vystar started with a mission to provide accessible and affordable financial solutions. Over the decades, we have expanded our offerings to include personal banking services like checking and savings accounts, auto loans, mortgages, and business banking. Each step of our journey reflects our commitment to enhancing the lives of our members through innovative products and exceptional service. As we look back on our history, we celebrate milestones that have defined us. From opening new branches to launching digital banking services, Vystar has continuously adapted to meet the changing needs of our members. We strive to make banking easier and more accessible for everyone in Fernandina Beach and beyond.

Our Mission

Our mission is simple yet powerful: We exist to serve our members and empower them financially. At Vystar, we believe in building strong relationships based on trust and respect. This means not only providing competitive rates and services but also investing in the community through outreach programs and partnerships that uplift those around us. We are dedicated to ensuring that all individuals feel welcomed at our branch. Our operating hours Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM are designed with your convenience in mind. Whether you prefer visiting us in person or accessing services online or via mobile apps, we strive to offer flexibility that fits your lifestyle.

Branch Location & Accessibility

Convenient Features

At Vystar, we prioritize your convenience. Our branch offers accessible parking and features to ensure everyone can bank comfortably. We are ADA compliant and have ramps available for those who need them. Plus, our drive-thru service allows you to complete simple transactions like deposits and withdrawals without leaving your vehicle.

Operating Hours

We know your time is valuable! That's why our lobby hours are designed to fit your busy schedule. You can visit us Monday through Thursday from 9 AM to 5 PM and on Friday from 9 AM to 6 PM.

Services Offered

Our branch is equipped with an ATM for quick cash access and basic services through the drive-thru. Whether you need personal banking options like checking and savings accounts, auto loans, or even mortgage refinancing, we have you covered. Our team is ready to assist you with credit cards that offer rewards and business banking solutions too! Feel free to call us at 904-908-2458 if you have any questions or need assistance. We invite you to come by and experience how Vystar can support your financial journey!

Member Eligibility

At Vystar, becoming a member is like stepping into a welcoming community where your financial well-being is our top priority. If you live, work, worship, or attend school in the areas served by us, you're already eligible to join! We believe that everyone deserves access to quality financial services and the personal touch that comes with being part of our credit union family. You can find detailed eligibility criteria at . Joining is simple and straightforward. Just visit us at our branch located at 1900 S 14Th St Fernandina Beach Fl 32034, or give us a call at (904) 908-2458 for any questions you may have about opening an account. We're here to help guide you through the process, making it easy for you to take that first step toward financial empowerment. Welcome to Vystar we can't wait for you to become a member!

Business Banking & Commercial Services

Merchant Services

In today's fast-paced world, having reliable merchant services can streamline your daily operations. Picture this: you serve a customer who wants to pay with their card; our services ensure that transaction goes smoothly, allowing you to focus on what matters most serving your customers. From payment processing to cash management solutions, Vystar is here to help you run your business efficiently. Located at 1900 S 14Th St Fernandina Beach Fl 32034 in Fernandina Beach, FL, we're just a call away at (904) 908-2458. Let's work together to build your business's future!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1,861 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $880,089,420, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Accessible Banking Options

With convenient ATM and cash withdrawal services available at our branch and nearby locations, accessing your funds is simple and hassle-free. For quick transactions like deposits or withdrawals, our drive-thru service is always ready to assist you without leaving your car. At Vystar in Fernandina Beach, we believe in making banking accessible and straightforward for everyone. Our goal is not only to provide you with financial products but also exceptional service that puts your needs first. We invite you to visit us or call us at 904-908-2458 to learn more about how we can support your financial journey today!

Auto Loans & Vehicle Financing

Looking to purchase a new car? Vystar offers competitive auto loans and vehicle financing options. We know that buying a vehicle is a significant investment, so we strive to make the process as straightforward as possible. With flexible terms and personalized service, you can drive off with confidence knowing you got the best deal.

Business Banking Solutions

We also cater to local businesses with our comprehensive business banking services. From merchant services that help streamline payments to business loans designed for growth, Vystar is committed to supporting entrepreneurs in Fernandina Beach.

Home Sweet Home

If you're considering homeownership or refinancing an existing mortgage, our mortgage loans are tailored to help you achieve that dream. Picture this: You find the perfect house for your family. With Vystar's support, turning that dream into reality is just a few steps away.

Personal Banking Made Easy

Starting with personal banking, we offer checking and savings accounts designed for everyday needs. Whether you're saving for a family vacation or managing monthly expenses, our accounts provide the flexibility you need. Plus, with our online and mobile banking features, you can manage your finances anytime and anywhere. Imagine being able to check your balance or transfer money from your phone while waiting in line at the grocery store!

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, and when it does, our personal loans can provide the financial relief you need. Whether it's consolidating debt or covering an emergency expense, we're here to help ease your burden.

Rewarding Credit Cards

For those who enjoy shopping and traveling, our credit cards come with rewards that let you earn points on every dollar spent. This means every purchase can bring you closer to something special like that vacation you've been dreaming about!

Digital & Online Banking

Key Features

One of the highlights of our digital banking experience is e-statements. Say goodbye to paper clutter and hello to convenience! With e-statements available at your fingertips, you can easily track your transactions and view past statements without having to dig through piles of paperwork. Need to send money to a friend? Our person-to-person transfers allow you to quickly send and receive money with just a few clicks. Plus, with our mobile payments feature, making purchases has never been easier. Whether you're shopping in-store or online, just use your mobile device for fast and secure transactions. If you prefer managing your finances through an app, you'll be pleased to know that we have a dedicated mobile application. This handy tool gives you access to all our services on the go, ensuring that you're always in control of your financial decisions.

Security You Can Trust

We prioritize security at Vystar. Our electronic signature authorization ensures that your transactions are safe and authorized by you alone. You can bank with confidence knowing that we take every measure to protect your information. In today's fast-paced world, having accessible banking options is essential. With our comprehensive digital services, you're empowered to manage your finances whenever and wherever you choose. Explore the possibilities at https://www.vystarcu.org today!

Financial Strength

At Vystar, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that trust is earned through transparency, and we are proud to share our strong financial position with you. With a net worth of $1,298,248,326, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 895 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $2,785,758,698 in share certificates and $1,906,153,086 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $167,314,561, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $910,485,545 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $91,613 in used auto loans and an impressive $10,061,804,065 in total loans and leases. Our operational efficiency is reflected in our net income of $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 2,315 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (funds available for lending and investments) stand at $72,607,517. The total number of Share Accounts is an impressive 2,036,011, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving or borrowing or planning for the future, Vystar is your trusted partner. Visit us at 1900 S 14Th St Fernandina Beach Fl 32034 or call 904-908-2458 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. We have already helped members secure $1,727,078,927 in used vehicle loans and $1,313,138,601 in new vehicle loans. Whether you're interested in a brand-new model or a reliable pre-owned vehicle, our financing options are designed to get you on the road with ease.

Business Financing

For business owners looking to expand or improve operations, we have outstanding commercial loans totaling $880,089,420 available. These loans are designed to provide the capital needed for growth and development in your business ventures.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $701,523,958, making buying or refinancing simple and straightforward. We provide flexible terms and competitive rates to help you achieve your dream of owning a home.

Refinancing Options

If you're considering refinancing any existing loans or mortgages for better rates or terms, our team is here to assist you every step of the way. We aim to provide options that fit your current financial situation and help you save money over time. At Vystar Credit Union, we prioritize our members' needs and strive to deliver exceptional service along with competitive loan products. For inquiries or assistance with your loan application process, feel free to contact us at 904-908-2458 during our operating hours: Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whether you're planning a big purchase or seeking financial stability through effective borrowing solutions, Vystar is here to support you on your journey!

Unsecured Credit Card Loans

Managing everyday expenses can be easier with our unsecured credit card loans. We offer flexible terms on these loans with a total of $680,082,195 helping members manage their finances effectively. This allows you to take control of your spending while enjoying rewards for your purchases.

Loan Aggregator

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Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans