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

Introduction

Welcome to Vystar, your trusted financial partner located at 76 S Laura St, Jacksonville, FL 32202. Since our establishment in 1952, we have proudly served our community with dedication and care, growing to support a vibrant membership of 997,469 individuals. With total assets reaching an impressive $14,746,180,513, we are committed to providing you with reliable services that cater to your personal and business banking needs. At Vystar, we understand that finances can be overwhelming, which is why our friendly team is here to help you navigate everything from checking and savings accounts to auto loans and mortgages. Our dedicated staff of 2,321 employees, led by CEO Brian Wolfburg and Board President Phillip Siddons, strives to make every interaction meaningful and beneficial for our members. While you can easily reach us at our branch address for in-person assistance, official correspondence should be directed to the same location: 76 S Laura St, Jacksonville, FL 32202. We invite you to explore our range of services designed specifically for you whether it's personal loans or business financing options. With total deposits amounting to $975,513,063 and a net worth of $1,298,248,326, we prioritize your financial well-being above all else. If you're looking for a place that values community impact and member satisfaction as much as we do, visit us or give us a call at 904-594-5478. Let's work together towards achieving your financial goals!

Branch History & Mission

Community Focus

Our commitment extends beyond banking; it's about building relationships within Jacksonville and surrounding areas. Through educational workshops, financial literacy programs, and community events, we aim to empower individuals with the knowledge they need for better financial health.

Join Us

We invite you to experience everything Vystar has to offer. Whether you're looking for personal banking solutions or business services, we're here for you every step of the way. Call us today at 904-594-5478 or visit Vystar's website for more information about how we can help you achieve your financial goals. Together, let's build a brighter future!

Our Evolution

From our humble beginnings as a small credit union, we have continuously expanded our services to meet the evolving needs of our community. Over the decades, Vystar has introduced a variety of personal and business banking options, including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Each milestone reflects our commitment to providing quality financial solutions tailored to our members' lives. As we grew, so did our focus on technology and accessibility. We now offer online and mobile banking services that allow members to manage their finances conveniently from anywhere. Our commitment to ADA compliance ensures that all members can access these essential services comfortably.

Our Mission

At the heart of Vystar's mission is a dedication to enhancing the financial well-being of our members while fostering community support. We believe in putting people before profits, which means prioritizing your needs above all else. Our goal is not only to provide excellent financial services but also to actively contribute to the communities we serve through outreach programs and partnerships with local organizations. While you can visit us at 76 S Laura St, official correspondence should be sent to the same address for clarity. We encourage you to take advantage of our various services during our operating hours: Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM.

Branch Location & Accessibility

Accessibility Features

At Vystar, we understand the importance of accessibility. Our branch is equipped with ADA-compliant features, including ramps and designated parking spaces, ensuring everyone can visit us comfortably. We strive to create an inviting environment where all members feel welcome.

Get In Touch

We invite you to come by and experience the Vystar difference! For more information or inquiries, feel free to give us a call at 904-594-5478. We look forward to serving you soon!

Operating Hours

We are here for you during convenient hours! Visit us Monday through Thursday from 9 AM to 5 PM and on Fridays from 9 AM to 6 PM. Our extended Friday hours make it easy for you to get your banking done after a busy week.

Services Offered

Our branch offers a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we have solutions for every member. And if you're in need of cash, you'll find an ATM available on-site for quick withdrawals and balance checks. While we don't currently offer drive-thru banking at this location, our team is always ready to assist you inside the branch. If you have questions about shared services or other offerings, don't hesitate to ask!

Member Eligibility

At Vystar, we believe that becoming a member means joining a warm and welcoming community that supports your financial journey. If you're looking to become part of our family, you'll be pleased to know that membership is open to individuals who live, work, or worship in our local area, as well as those who are related to existing members. This inclusive approach ensures that we can serve more people and help them reach their financial goals. To learn about all the specifics of eligibility, feel free to check out the detailed information available at . Opening an account with us is a breeze! Simply visit us at our branch located at 76 S Laura St Jacksonville Fl 32202 or give us a call at (904) 594-5478 for assistance. We're here to guide you through the process and answer any questions you may have. By choosing Vystar, you're not just getting access to a variety of financial services; you're also gaining a supportive partner committed to your success. Join us today and discover how we can help you thrive!

Business Banking & Commercial Services

Business Loans That Drive Growth

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.

Merchant Services That Simplify Transactions

In addition to loans, we offer robust merchant services designed to make transactions smoother for your business. Imagine seamlessly accepting payments from customers at the click of a button, or having access to detailed reports that help you track sales and manage inventory efficiently. Our services empower you to focus on what matters most growing your business. Located at 76 S Laura St Jacksonville Fl 32202 in Jacksonville, FL, we're here to partner with you on your journey. For more information or assistance, give us a call at (904) 594-5478. Let's work together to take your business to new heights!

Comprehensive List Of Services

Accessibility

We prioritize accessibility with basic ATM access for withdrawals and balance checks available at various locations. You can reach us anytime at (904) 594-5478 if you have questions about our services or need assistance. At Vystar, we're committed to making banking convenient and accessible for everyone in the community. Explore how we can assist you by visiting us at 120-downtown or giving us a call today! Your financial well-being is our top priority.

Business Banking Solutions

For entrepreneurs, we offer comprehensive business banking services, including merchant services that simplify payment processing and business loans to help you grow. We understand that running a business comes with its own set of challenges, which is why we strive to support local businesses with personalized solutions.

Convenient Digital Banking

To make managing your finances even easier, Vystar provides robust online and mobile banking options. You can check balances, transfer money, pay bills, and even deposit checks right from your smartphone or computer. Plus, our ATM services allow you quick access to cash whenever you need it.

Credit Cards and Rewards

With our credit cards that come with rewards, you can earn points on everyday purchases, turning your spending into savings on future buys. Whether it's travel perks or cash back, there's a card that fits perfectly into your lifestyle.

Personal Banking

Our personal banking services cater to individuals and families looking for reliable financial solutions. We offer checking and savings accounts that provide easy access to your funds while helping you save for the future. For those considering a new vehicle, our auto loans and vehicle financing options make it simple to drive away in the car you've always wanted. If you're dreaming of homeownership or looking to refinance an existing mortgage, our mortgage loans and refinancing services are tailored to fit your budget and lifestyle. Additionally, our personal loans and debt consolidation options give you the flexibility to manage expenses without the stress of high-interest rates.

Digital & Online Banking

Key Features

Our user-friendly online banking platform at https://www.vystarcu.org allows you to check balances, pay bills, and transfer funds with just a few clicks. You can also enjoy the convenience of e-statements, which means you can view your account statements online without any paper clutter. If you're looking for a quick way to send money to friends or family, our person-to-person transfer feature makes it simple and fast.

Mobile Banking Convenience

For those who prefer banking on-the-go, our mobile application provides all the functionalities you need right at your fingertips. You can make mobile payments easily, ensuring you never miss a beat in today's fast-paced world. Plus, with electronic signature authorization available, signing documents is quick and secure.

Security You Can Trust

We prioritize your security with robust measures in place to protect your information. Our online banking system is designed with advanced security features so you can bank confidently. Whether you're using our website or mobile app, rest assured that your data is safe with us. With Vystar, managing your finances has never been easier or more accessible. Join us today and experience the benefits of modern banking tailored just for you!

Financial Strength

Commitment to Growth

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 members' financial goals across various sectors with $91,613 in used auto loans and $10,061,804,065 in total loans and leases.

Member Trust

Our total share accounts stand at 2,036,011, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $72,607,517 a clear indicator of our commitment to supporting your financial journey. 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 76 S Laura St Jacksonville Fl 32202 or call (904) 594-5478 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our performance reflects our operational efficiency with a net income of $0 that 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, committed team.

Secure Savings Options

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.

Strong Capital Position

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.

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 purchasing a brand-new vehicle or a reliable used one, we have options that suit every driver's needs.

Business Solutions

For business owners, our outstanding commercial loans totaling $880,089,420 provide the capital needed to grow and expand. We understand the unique challenges faced by businesses today and are dedicated to supporting local entrepreneurs. At Vystar, we believe in making financing accessible and straightforward. If you're interested in refinancing or exploring eligibility options for any of our products, don't hesitate to reach out. Our friendly staff at 76 S Laura St Jacksonville Fl 32202 is ready to assist you. For more information on our loan offerings or to speak with a representative about how we can help you achieve your financial goals, call us at 904-594-5478. Remember that performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your journey towards better financial health starts here!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $701,523,958, helping you secure the home of your dreams with ease. Our team is here to guide you through the process and ensure you find the right fit for your financial situation.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans. With a total of $680,082,195 in loans available, our credit cards help members manage their finances effectively while earning rewards. Enjoy peace of mind knowing you have access to funds when you need them most.

Loan Aggregator

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Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans