VyStar Credit Union Gainesville FL: Top Business Banking & Auto Loans

Introduction

Welcome to Vystar, your trusted partner in financial well-being, conveniently located at 3616 Sw 34Th St, Gainesville, FL 32608. Established in 1952, our credit union has proudly served a growing community of nearly 1 million members, offering personalized financial services tailored to meet your needs. With a robust total asset base of $14,746,180,513 and total deposits reaching $975,513,063, we are committed to helping you achieve your financial goals. At Vystar, we understand the importance of community and strive to make a positive impact. Our dedicated team of over 2,300 employees, led by CEO Brian Wolfburg and Board President Phillip (Kem) Siddons, works tirelessly to provide exceptional service. Whether you're looking for auto loans, mortgage options, or business banking solutions, we're here to support you every step of the way. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 3616 SW 34th St, Gainesville, FL 32608. We also offer convenient online services and resources through our website at vystarcu.org. Join us today and discover the difference that a member-focused credit union can make in your financial journey. For any inquiries or assistance, don't hesitate to reach out at 904-594-5570 we're here for you!

Branch History & Mission

At Vystar, we take great pride in our rich legacy and commitment to serving the community. Established in 1952, our branch in Gainesville, Florida has been a cornerstone of financial support for nearly seven decades. Located at 3616 SW 34th St, Gainesville, FL 32608, we have grown alongside our members, evolving from a small credit union to one that proudly serves over 997,000 members today. Our mission is clear: we aim to provide exceptional financial services while fostering strong community connections. We offer a wide range of products including personal banking accounts, auto loans, mortgages, and business services. Each day, we strive to ensure that our members have access to the resources they need for financial success. Over the years, Vystar has achieved significant milestones. With total assets reaching an impressive $14.7 billion, we are dedicated to maintaining the highest standards of service and accountability. Our growth reflects not only our financial strength but also our commitment to transparency and member satisfaction. In addition to traditional banking services, we are proud to offer advanced digital solutions like online banking and mobile payments. This focus on accessibility ensures that our members can manage their finances conveniently and securely from anywhere. Our branch is also fully ADA compliant, making it accessible for all individuals. Community outreach is at the heart of what we do. We actively participate in local initiatives and collaborate with various organizations to uplift and support those in need within Gainesville and beyond. Whether it's through financial education programs or charitable partnerships, Vystar is dedicated to making a positive impact. While members can visit us at 3616 SW 34th St, official correspondence should be sent to the same address as our mailing address: 3616 SW 34th St, Gainesville, FL 32608. You can reach us at (904) 594-5570 during our operating hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. We invite you to join the Vystar family and experience firsthand how we can help you achieve your financial goals while being part of a community-focused organization. Explore your options with us today!

Branch Location & Accessibility

Accessibility Features

At Vystar, we prioritize accessibility. Our branch is equipped with ADA-compliant features, including ramps and ample parking to ensure that everyone can visit us comfortably. We want to make your experience as smooth as possible, whether you're walking in or using our services.

Operating Hours

We understand that life can be busy, so we've tailored our operating hours to accommodate your schedule. You can visit us Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. If you have any questions or need assistance outside these hours, feel free to call us at 904-594-5570; we're always here to help!

Services Offered

At Vystar, we offer a range of services designed for personal and business needs. From checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. While we don't currently have drive-thru banking available, our ATM is ready for your cash withdrawal needs anytime. We invite you to come by our branch today and discover how Vystar can support your financial journey. Whether you're looking for advice on personal loans or just need some friendly guidance on banking options, our team is excited to meet you!

Member Eligibility

Becoming a member of Vystar is like stepping into a community that truly cares about your financial well-being. If you live, work, worship, or attend school in the area around 3616 Sw 34Th St Gainesville Fl 32608, you're likely eligible to join us! We welcome individuals and families from all walks of life, making it easy for you to access a range of financial products and services designed with your needs in mind. Plus, as a member, you'll enjoy competitive rates and personalized service that big banks often overlook. Joining is simple just reach out to us at (904) 594-5570 or visit our website for more details on eligibility criteria and how to open an account. For the most up-to-date information, check out our eligibility page at . We can't wait to welcome you to the Vystar family!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine running your business with efficient payment solutions that cater directly to your customers' needs. Our merchant services streamline transactions, ensuring you can focus on what matters most growing your business. From credit card processing to online payment solutions, we provide tools that enhance customer experiences while simplifying your operations. Visit us at 3616 Sw 34Th St Gainesville Fl 32608 in Gainesville, FL, or give us a call at (904) 594-5570. Let's work together to turn your business goals into reality!

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

Business Banking

If you're a business owner, our business banking solutions provide essential services like merchant services and business loans. We understand the unique challenges faced by small businesses and are committed to helping you thrive in today's competitive market.

Convenient Access

Accessing your funds has never been easier with our ATM services available 24/7 for cash withdrawals and balance checks. Plus, if you prefer doing things digitally, our online banking system allows you to manage your finances anytime, anywhere. With features like mobile payments and person-to-person transfers, handling your money is just a click away. At Vystar, located at 3616 Sw 34Th St Gainesville Fl 32608 in Gainesville, FL, we pride ourselves on offering exceptional member service tailored to meet your individual needs. Whether you have questions about opening an account or need assistance with a loan application, don't hesitate to reach out at (904) 594-5570. We invite you to explore all the ways we can assist you in achieving your financial goals. Visit us today or check out more information on our website at https://www.vystarcu.org!

Credit Cards and Personal Loans

We also offer credit cards with rewards that allow you to earn points on everyday purchases. This can be particularly useful if you're planning a vacation or simply want to maximize your spending power. Our personal loans are available for various needs, such as debt consolidation or funding special projects. We're here to help you tackle financial challenges head-on.

Personal Banking

Our personal banking services include checking and savings accounts tailored for your everyday needs. Imagine having a checking account that fits seamlessly into your busy life, with easy access through our online and mobile banking platforms. You can deposit checks from the comfort of your home or transfer money to family and friends with just a few taps on your phone. For those considering larger purchases, our auto loans and vehicle financing options can help make that dream car a reality. We work with you to find terms that fit your budget, making the buying process simple and stress-free. If you're thinking about buying a home or refinancing an existing mortgage, our mortgage loans offer competitive rates and personalized service to guide you through the process.

Digital & Online Banking

In today's fast-paced world, having convenient and secure access to your finances is essential. At Vystar, we understand that life can get busy, which is why we offer a comprehensive suite of digital and online banking services designed to make managing your money easier than ever. With our 24/7 online banking services, you can access your accounts anytime, anywhere. Whether you're checking your balance, transferring funds, or paying bills, everything is just a few clicks away at https://www.vystarcu.org. We also provide e-statements, allowing you to receive and manage your bank statements digitally. Say goodbye to paper clutter and hello to an organized way of keeping track of your financial activities! For those on the go, our mobile application offers all the features you need right in your pocket. You can make mobile payments, enabling quick and easy transactions with just a tap of your phone. Plus, if you ever need to send money to friends or family, our person-to-person transfers make it simple and hassle-free. Security is a top priority at Vystar. With electronic signature authorization, signing documents online is not only convenient but also safe. You can rest easy knowing that your information is protected while you enjoy the flexibility of managing your accounts from home or on the move. Whether you're a tech-savvy user or just getting started with online banking, we've designed our services to be user-friendly and accessible for everyone. Experience real-time account management and take control of your finances today! Join us at Vystar, where banking meets convenience!

Financial Strength

Lending Capacity

With $91,613 in used auto loans and $10,061,804,065 in total loans and leases, our lending capacity supports members' financial goals across various sectors. 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, committed team.

Member-Focused Savings

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.

Reinvesting for Your Future

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 $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Solid Financial Health

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.

Strong Member Base

Total Share and Deposit Accounts: 2,036,011, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $72,607,517. 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 3616 Sw 34Th St Gainesville Fl 32608 or call (904) 594-5570 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 offer some of the lowest rates in the industry, with over $1,727,078,927 in used vehicle loans and $1,313,138,601 in new vehicle loans already helping members get on the road. Whether you're looking for a brand-new model or a reliable used car, our financing options are flexible and tailored to fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $880,089,420 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to invest in your existing business, we have solutions that can help pave the way for success. At Vystar, we pride ourselves on being a supportive partner in your financial journey. If you're considering refinancing or need assistance determining your eligibility for any of our loan products, feel free to contact us for personalized guidance. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. We are here to help you navigate your financial options with transparency and confidence!

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $680,082,195 in loans helping members manage their finances effectively. This option allows for easy access to funds whenever needed while providing competitive rates.

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. We help guide you through the process to ensure you find the right loan that fits your needs.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov), ensuring fair and transparent offers. By using this reliable data source, LendMesh guarantees that users receive accurate and up-to-date information when comparing loan options.

Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans