VYSTAR CREDIT UNION - Fernandina Beach, FL

Welcome to Vystar, your trusted financial partner in the heart of Fernandina Beach, Florida. Located at 435 Citrona Dr, our branch is not just a place for banking; it's a community hub where we prioritize your financial needs and aspirations. Since our establishment in 1952, we have grown alongside our members, now proudly serving nearly 1 million members with assets totaling an impressive $14.7 billion. At Vystar, we believe that every member deserves personalized attention and support. Our dedicated team, led by CEO Brian Wolfburg and Board President Phillip (Kem) Siddons, is committed to helping you navigate your financial journey with confidence. Whether you're looking for auto loans, personal loans, or business financing solutions, we've got you covered. Our commitment extends beyond just numbers. With total deposits of $975.5 million and a robust net worth of $1.3 billion, we ensure that your funds are secure and working hard for you. Plus, with a total loan portfolio exceeding 497,000 loans and leases, we're here to empower your dreams be it buying a new car or expanding your business. While members can visit us at our physical location in Fernandina Beach, official correspondence should be sent to the same address: 435 Citrona Dr, Fernandina Beach, FL 32034-2741. We invite you to reach out anytime at 904-261-5713 for any inquiries or assistance. Join us at Vystar and experience a difference in how banking can feel personalized, community-focused, and designed around you! Visit us online at Vystar Credit Union to learn more about our services or stop by today!

At Vystar, our journey began in 1952, rooted in the belief that everyone deserves access to financial services that empower them. Located at 435 Citrona Dr in beautiful Fernandina Beach, FL, our branch has grown alongside this vibrant community. Over the years, we have expanded our offerings and improved our services to meet the needs of our members now totaling an impressive 997,469. Our mission is clear: to enhance the financial well-being of our members while also uplifting the communities we serve. We strive to provide personalized banking experiences through a range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Our dedication extends beyond just transactions; we actively engage in community outreach and support initiatives that make a real difference in people's lives. While you can visit us at our branch location for all your banking needs during lobby hours from Monday to Friday between 12:30 PM and 1:00 PM, official correspondence can be sent to our mailing address at 435 Citrona Dr, Fernandina Beach, FL 32034-2741. Vystar is not just about numbers; we take pride in managing total assets of over $14.7 billion while ensuring our services remain accessible and inclusive for all. We are ADA compliant and have embraced digital advancements like online banking and mobile payments to make banking easier for everyone. Our commitment to the community includes forming partnerships with local organizations and participating in events that promote growth and education. We believe that by supporting each other, we can create a thriving environment for all. If you're looking for a credit union that values you as a member and invests in your future, join us at Vystar. Experience the difference of being part of a community-focused institution where your financial goals are supported every step of the way. Reach out today at 904-261-5713 or visit us online at vystarcu.org. Together, let's build a brighter tomorrow!

Welcome to Vystar, your friendly neighborhood credit union located at 435 Citrona Dr, Fernandina Beach, FL 32034. Our branch offers a convenient spot for all your banking needs right in the heart of Nassau County. Whether you're on your way home or just passing through, we invite you to stop by and discover how we can help you achieve your financial goals. While members can visit us at our physical location, official correspondence should be sent to the same address: 435 Citrona Dr, Fernandina Beach, FL 32034-2741. Our branch is easily accessible and close to local landmarks, making it a breeze for you to pop in for assistance or advice. At Vystar, we prioritize convenience and comfort. Our branch is designed with accessibility in mind, featuring ADA-compliant entryways and ample parking space. We want everyone to feel welcome and able to access our services without any hassle. Although we currently do not offer ATM services or drive-thru banking, our lobby hours are set up for your convenience. We are open Monday through Friday from 12:30 PM to 1:00 PM perfect for a quick visit during your lunch break. If you're looking for personal banking options like checking and savings accounts, auto loans, mortgage refinancing, or credit cards with rewards, we've got you covered! Our team is here to guide you through every step of the way in a friendly atmosphere. Have questions or need assistance? Feel free to give us a call at 904-261-5713. We're eager to help and look forward to welcoming you into our Vystar family!

Becoming a member of Vystar is like joining a family that cares about your financial well-being. Located at 435 Citrona Dr Fernandina Beach Fl 32034, we welcome individuals who share our values and commitment to community. If you live, work, worship, or attend school in the area, you're likely eligible to join us! We strive to make banking accessible for everyone, so don't worry if you're unsure about your eligibility just reach out! You can call us at (904) 261-5713 for more information. For detailed criteria and updates on membership, feel free to check our website at . Once you're ready to take the next step, opening an account with us is simple and straightforward; all the details you need are available online. Join us at Vystar and experience the benefits of being part of a supportive community focused on helping you achieve your financial goals!

At Vystar, we understand that convenience and security are essential in today's fast-paced world. That's why we offer a variety of digital and online banking services designed to make managing your finances easy, safe, and accessible anytime, anywhere. Our members can take advantage of our robust online banking platform available at https://www.vystarcu.org . With just a few clicks, you can check your account balances, transfer funds, and pay bills all from the comfort of your home or on the go. Need to send money to a friend? Our person-to-person transfer feature lets you do that quickly and securely. For those who prefer managing their accounts on mobile devices, our mobile application is here to help. You can access all your banking needs right from your smartphone. Plus, if you're into making payments with just a tap, our mobile payments feature simplifies transactions like never before. We prioritize your security with electronic signature authorization, allowing you to sign documents safely without needing to visit a branch. And for those who love staying organized, e-statements are available so you can keep track of your finances digitally without the clutter of paper statements. With 24/7 online banking services, you're never far from your financial information. Whether it's day or night, our system is always ready for you. At Vystar, we're committed to providing user-friendly features that help you manage your money with ease and confidence.

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 are proud to share the strength of our financial position, which reflects our commitment to serving you well. 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 is robust; we have $91,613 in used auto loans and a total of $10,061,804,065 in loans and leases available to support your financial goals across various sectors. Our operational efficiency is evident with a reported net income of $0, reflecting our commitment to maintaining stability while still 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. Total Share Accounts stand at an impressive 2,036,011, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments total $72,607,517, further enhancing our ability to meet your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing or planning for the future, Vystar is your trusted partner. Visit us at 435 Citrona Dr Fernandina Beach FL 32034 or call us at 904-261-5713 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.