VyStar Credit Union Jacksonville Beach FL: Affordable Vehicle Loans & Mortgage Refinancing

Introduction

Welcome to Vystar, your trusted partner in financial wellness, located at 100 3Rd St N, Jacksonville Beach, FL 32250. Since our establishment in 1952, we have proudly served our community and built lasting relationships with our members. With a strong commitment to helping you achieve your financial goals, we are delighted to support nearly 1 million members with a total asset base of over $14.7 billion. At Vystar, we believe that everyone deserves access to affordable banking solutions. That's why we offer a variety of services designed for individuals and businesses alike, from checking and savings accounts to auto loans and credit cards with rewards. Our team is dedicated to providing personalized service to meet your unique needs. With a robust membership base of 997,469 and total deposits exceeding $975 million, we take pride in maintaining a healthy financial environment. Our net worth stands strong at $1.3 billion, reflecting our stability and commitment to our members' success. We also have over $150 million in cash readily available, ensuring that we can serve you promptly when you need us the most. While you can visit us directly at our branch for all your banking needs, please note that official correspondence should be sent to the same address: 100 3Rd St N, Jacksonville Beach, FL 32250. If you have any questions or need assistance, don't hesitate to reach out via phone at 904-908-2427. Led by our CEO, Brian Wolfburg, and Board President, Phillip (Kem) Siddons, our experienced team is here to guide you through your financial journey with care and expertise. We invite you to explore how Vystar can help you thrive financially. Visit us or check out our website at vystarcu.org for more information about our services. Your financial future starts here!

Branch History & Mission

At Vystar, we are proud of our rich history and commitment to serving the community. Established in 1952, our branch located at 100 3Rd St N, Jacksonville Beach, FL 32250 has grown alongside the vibrant community it serves. Over the years, we have built a legacy of trust and financial empowerment for our nearly 1 million members. From our humble beginnings, Vystar has evolved into a robust financial institution with total assets reaching an impressive $14,746,180,513. This growth is not just a number; it reflects our dedication to providing quality financial services that meet the needs of our members. Our mission is clear: to empower individuals and families by offering personalized banking solutions that foster financial well-being. While you can visit us at our Jacksonville Beach location, official correspondence should be directed to the same address. We are easily accessible with convenient operating hours from Monday to Thursday, 9 AM to 5 PM, and Friday from 9 AM to 6 PM. Members can also take advantage of our ATM services available on-site for quick transactions. Vystar's mission extends beyond traditional banking; we are committed to making a positive impact in our community. Through various partnerships and outreach efforts, we strive to uplift those around us. We believe in supporting local initiatives that enhance the quality of life for all residents in Jacksonville Beach and surrounding areas. In today's fast-paced world, we embrace technology while ensuring ADA compliance to serve all members effectively. Our online and mobile banking services make managing finances easy and accessible from anywhere. Whether you're applying for an auto loan or looking for personal financing options, Vystar is here to guide you every step of the way. Join us on this journey! At Vystar, you're more than just a member; you're part of a family dedicated to your financial success. Experience the benefits of membership today connect with us at vystarcu.org or give us a call at 904-908-2427. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to Vystar, your friendly neighborhood credit union located at 100 3Rd St N in beautiful Jacksonville Beach, FL! Our branch is conveniently situated near the vibrant coastline, making it easy for you to stop by while enjoying a day at the beach or visiting local shops. Whether you're a long-time member or new to our community, we're here to help with all your banking needs. While members can visit us at this branch, please note that official correspondence should be sent to the same address: 100 3rd St N, Jacksonville Beach, FL 32250. We strive to provide a welcoming and accessible environment for everyone. Our location features ADA-compliant access and ample parking for your convenience. Our operating hours are designed to fit your busy schedule: we're open Monday through Thursday from 9 AM to 5 PM and on Fridays until 6 PM. If you need quick access to cash, we have an ATM available right outside our branch for easy withdrawals and balance checks. At Vystar, we offer a variety of services tailored just for you, including checking and savings accounts, auto loans, mortgage options, personal loans, and business banking solutions. Although we do not have drive-thru banking at this location, our friendly team is always ready to assist you inside the branch. If you have any questions or need assistance before your visit, feel free to give us a call at 904-908-2427. We look forward to seeing you soon and helping you achieve your financial goals!

Member Eligibility

At Vystar, we believe that everyone deserves a chance to be part of our friendly community. Joining us is simple! If you live, work, worship, or go to school in the areas we serve, you're likely eligible for membership. We welcome individuals and families from various backgrounds, making it easy for you to enjoy the benefits of being a member. Not only will you gain access to a range of financial services tailored to your needs, but you'll also be part of a supportive network that prioritizes your financial well-being. Ready to take the next step? Opening an account with us is straightforward and hassle-free! You can find all the detailed eligibility requirements and updated information on our website at . If you have any questions or need assistance, feel free to call us at (904) 908-2427. We're excited to welcome you into the Vystar family!

Business Banking & Commercial Services

Merchant Services That Make Life Easier

Imagine having a reliable partner who streamlines your payment processes. Our merchant services do just that. From credit card processing to mobile payment options, we make it easy for you to accept payments and keep your cash flow steady. This means less time worrying about transactions and more time focusing on what you love growing your business. Visit us at 100 3Rd St N Jacksonville Beach Fl 32250, Jacksonville Beach, FL, or give us a call at (904) 908-2427 to learn how we can help your business thrive!

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

ATM Services

With our ATM & Cash Withdrawal Services, accessing cash is straightforward. You can rely on our ATMs for quick withdrawals and balance checks whenever needed, ensuring that you have easy access to your funds without hassle. At Vystar, we believe in making banking accessible and enjoyable for all our members. Whether you're visiting us in-person or using our digital platforms, we're here to support every aspect of your financial life. We invite you to experience these services firsthand! Feel free to call us at (904) 908-2427 or visit us online at https://www.vystarcu.org for more information about how we can assist you today!

Auto Loans & Vehicle Financing

If you're considering purchasing a vehicle, our Auto Loans & Vehicle Financing services make it simple and straightforward. Picture driving off in the car of your dreams, knowing you have an affordable payment plan tailored just for you. We strive to get you approved quickly so you can enjoy that new ride without delay.

Business Banking Services

For entrepreneurs and small business owners, we understand the unique challenges you face. Our Business Banking options, including Merchant Services & Business Loans, are crafted to support your growth and success. Envision having access to funds when opportunities arise and seamless payment processing for your customers.

Credit Cards with Rewards

Our Credit Cards with Rewards allow you to earn points or cashback on everyday purchases turning shopping into benefits for you! It's like getting rewarded for spending wisely, adding even more value to your financial journey.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features that allow you to manage your accounts anytime, anywhere. From checking balances and transferring funds to making payments all from the palm of your hand it's never been easier to stay on top of your finances.

Mortgage Options

For homebuyers or those looking to refinance, our Mortgage Loans & Refinancing services are designed with your needs in mind. Whether you're a first-time buyer or seeking better terms on your current mortgage, we provide personalized assistance every step of the way.

Personal Banking Solutions

When it comes to personal banking, we offer Checking & Savings Accounts that fit your lifestyle. Imagine effortlessly managing your money while earning interest on your savings. With our competitive rates, you can watch your savings grow over time. For those unexpected expenses or planned purchases, our Personal Loans & Debt Consolidation options provide flexible solutions to help you stay on track financially.

Digital & Online Banking

Key Features

Our online banking platform allows you to check balances, transfer funds, and pay bills with just a few clicks. You can also enjoy the ease of electronic signatures for authorizations, making it simple to complete transactions without needing to visit a branch. Plus, with e-statements available, you can keep track of your finances without the clutter of paper statements. For those who are always on the go, our mobile application is a game-changer. It offers mobile payments so you can make purchases directly from your phone, ensuring that you never miss a beat. If you need to send money to friends or family, our person-to-person transfer feature makes it as easy as sending a text.

Security and Accessibility

At Vystar, security is our top priority. Our online banking services are equipped with robust security features to protect your information while giving you peace of mind. You can manage your accounts in real-time and stay updated on all transactions, ensuring you're always in the know. Whether you're at home or out and about, our digital banking tools provide you with the flexibility you need to manage your money effectively. Discover how easy banking can be by visiting us 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 are committed to providing reliable services and exceptional support, ensuring your financial journey is safe and rewarding. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 with $91,613 in used auto loans and a total of $10,061,804,065 in loans and leases, supporting members' financial goals across various sectors. 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): $72,607,517. Total Share Accounts: 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, borrowing, or planning for the future, Vystar is your trusted partner. Visit us at 100 3Rd St N Jacksonville Beach Fl 32250 or call 904-908-2427 to learn more about how we can help you achieve your financial goals.

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 considering a brand-new model or a reliable used vehicle, our team is here to assist you every step of the way.

Business Loans

For business owners looking for growth opportunities, our outstanding commercial loans totaling $880,089,420 provide the capital needed to expand operations or invest in new projects. We are dedicated to supporting local businesses in achieving their aspirations. At Vystar, we believe that everyone deserves access to quality financial products. Whether you're interested in refinancing existing loans or exploring eligibility options for our various products, our knowledgeable staff is ready to help you navigate your choices. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Feel free to reach out at 904-908-2427 or visit us at 100 3Rd St N Jacksonville Beach Fl 32250 for more information about how we can assist you!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $701,523,958, make buying or refinancing simple. We guide you through the process and ensure you find the right fit for your financial situation.

Unsecured 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 when unexpected expenses arise or when you want to make purchases without dipping into your savings.

Loan Aggregator

How LendMesh Ensures Accurate 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). This ensures that all offers are fair and transparent. By using reliable data from legitimate financial institutions, LendMesh helps users avoid misleading information that can often cloud the loan comparison process.

Key Benefits of Using LendMesh

One of the standout features of LendMesh is its commitment to verified data. All loan offers come from trusted financial institutions, ensuring you receive accurate information without hidden agendas. Moreover, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that serve your best interests. With real-time rate comparisons available, users can access up-to-date loan rates from multiple institutions at their fingertips. This empowers individuals to evaluate options quickly and efficiently, leading to better financial choices. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the platform's effectiveness in delivering significant savings and peace of mind. Ready to find the best loan rates for your needs? Compare real-time loan offers today at LendMesh and take control of your borrowing experience. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans