VyStar Credit Union Jacksonville FL: Low Mortgage Rates & Rewards Cards

Introduction

Welcome to Vystar, your trusted partner in financial well-being right here at 1700 N Main St, Jacksonville, FL 32206. Since our establishment in 1952, we have proudly served our community, building a strong foundation of trust and reliability. With a total membership of 997,469, we are more than just a credit union; we're a family dedicated to helping you achieve your financial goals. At Vystar, we understand that every member has unique needs. That's why we offer a wide range of services, from personal banking solutions like checking and savings accounts to auto loans, mortgage financing, and business banking options. Our commitment to your financial success is reflected in our impressive total assets of $14,746,180,513 and total deposits of $975,513,063. With $150,946,523 cash readily available for our members, you can feel secure knowing that your finances are in capable hands. Led by our dedicated CEO Brian Wolfburg and Board President Phillip Siddons, our team of 2,321 employees is always ready to assist you with a smile. Whether you're visiting us for the first time or you're one of our long-standing members, we welcome you to reach out at 904-908-2756 or explore our offerings online at Vystar's website. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be sent to the same address: 1700 N Main St, Jacksonville, FL 32206-4404. Join us today and experience the difference that a member-focused credit union can make in your life!

Branch History & Mission

Join Us

With convenient operating hours from Monday to Saturday and ATM availability for easy access to your funds, we are here when you need us most. Whether you're looking for personal loans or seeking business solutions, Vystar is ready to support you on your financial journey. We invite you to experience the Vystar difference where members come first. Join us today and discover how we can help you build a brighter financial future! For any inquiries or assistance, feel free to contact us at 904-908-2756 or visit our website at Vystar.

Our Journey

Vystar began with a simple mission: to provide accessible and affordable financial solutions to our members. Over the years, we have expanded our offerings significantly, adapting to the needs of our members while maintaining our foundational values. From personal banking products like checking and savings accounts to auto loans, mortgages, and business banking services, we have continually worked to ensure that every member can achieve their financial goals. Our dedication goes beyond just numbers. We strive to make a positive impact through community outreach initiatives and partnerships. We believe in giving back to the neighborhoods we serve and empowering those around us through education and support.

Our Mission

At Vystar, our mission is clear: We are committed to delivering high-quality financial services while fostering a sense of belonging among our members. We prioritize their needs by offering innovative solutions such as online banking, mobile payments, and personalized customer service. This allows us to serve not only as a bank but also as a partner in our members' lives. We understand that financial health is vital for overall well-being. Thus, we invest in programs aimed at enhancing financial literacy within our community. By doing this, we help individuals make informed decisions that lead to greater financial stability. While you can visit us at 1700 N Main St for all your banking needs, official correspondence should be sent to our mailing address at 1700 N Main St, Jacksonville, FL 32206-4404.

Branch Location & Accessibility

Accessibility Features

At our Vystar branch, we prioritize accessibility for all members. The facility is ADA compliant, ensuring that everyone can enjoy easy access with ramps and spacious pathways. Parking is readily available, so you can park close by and walk right into our welcoming lobby.

Operating Hours

We know your time is valuable. That's why our lobby is open Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Whether you need assistance with personal banking or have questions about our loan options, our friendly team is here to help during these hours.

Services Offered

Our branch provides a wide range of services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, we offer convenient ATM services for quick cash withdrawals and balance checks whenever you need them. While members can visit us at 1700 N Main St, official correspondence should be sent to the same address as our mailing address: 1700 N Main St, Jacksonville, FL 32206-4404. Feel free to reach out at (904) 908-2756 if you have any questions or need assistance before your visit. We look forward to welcoming you to Vystar come see how we can help you achieve your financial goals!

Member Eligibility

Becoming a member of Vystar is like joining a warm and welcoming community where your financial needs truly matter. If you live, work, or worship in the Jacksonville area, you're already on the right path to eligibility! Our membership is open to anyone who shares our commitment to supporting each other and building a brighter financial future together. You can learn more about what makes you eligible by visiting our detailed guide at . Opening an account with us is a breeze! Simply stop by our branch located at 1700 N Main St Jacksonville Fl 32206 or give us a call at (904) 908-2756 for assistance. Our friendly team is here to guide you through every step of the process and answer any questions you might have. At Vystar, we believe that everyone deserves access to quality banking services, so let's get started on this exciting journey together!

Business Banking & Commercial Services

Business 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.

Merchant Services

In addition to loans, we provide merchant services that simplify everyday transactions. Whether you need a point-of-sale system or online payment options, we help you serve your customers efficiently. Imagine being able to accept payments quickly, allowing you to focus on what really matters growing your business. Visit us at 1700 N Main St Jacksonville Fl 32206 in Jacksonville, FL, or call us at (904) 908-2756 to discover how our business banking services can empower your enterprise. Let's work together to unlock your full potential!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our ATM services ensure quick access to your funds with basic functionality like withdrawals and balance checks right at your fingertips. Whether you're in need of personal banking assistance or looking for business solutions, Vystar is here to help. We invite you to visit us at 1700 N Main St Jacksonville Fl 32206 or call us at (904) 908-2756 to learn more about how we can assist you in achieving your financial goals. Join us today and experience the difference that member-focused service can make!

Business Banking Services

For our business members, we provide comprehensive business banking solutions. From merchant services that make transactions easier for your customers to business loans designed to help you grow, we support local businesses in their journey toward success.

Credit Cards with Rewards

Looking for a credit card that offers more than just a line of credit? Our credit cards come with rewards that let you earn points for every purchase, giving you something back every time you spend.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services that allow you to manage your accounts anytime, anywhere. With features such as mobile payments, person-to-person transfers, and e-statements, staying on top of your finances has never been easier.

Home Financing Options

Buying a home is a significant milestone, and at Vystar, we offer mortgage loans and refinancing options tailored to your unique situation. Our knowledgeable staff will guide you through the process, ensuring that you find the best terms that suit your budget.

Personal Banking Solutions

We understand that managing your money is essential for achieving your financial goals. That's why our personal banking services include checking and savings accounts that fit your lifestyle. If you're considering purchasing a new car or refinancing your current vehicle, our auto loans and vehicle financing options can help get you on the road without breaking the bank. For larger purchases or unexpected expenses, our personal loans and debt consolidation services are available to assist you in making sound financial decisions.

Digital & Online Banking

At Vystar, we understand that convenience and security are essential in today's fast-paced world. That's why we offer a range of digital and online banking services designed to make managing your finances easier than ever. With our 24/7 online banking services, you can access your accounts anytime, anywhere, ensuring you're always in control of your financial matters. Our user-friendly platform at https://www.vystarcu.org allows you to check balances, pay bills, and transfer money with just a few clicks. Whether you're at home or on the go, our mobile application lets you manage your finances right from your smartphone. Plus, with features like person-to-person transfers, sending money to friends and family is quick and hassle-free. Security is our top priority. We provide electronic signature authorization, ensuring that your transactions are safe and secure. You can also opt for e-statements, making it easy to keep track of your account activity without the clutter of paper statements. If you enjoy the convenience of mobile payments, you'll be pleased to know that we support this feature as well. This means you can make purchases directly from your phone with ease. At Vystar, we're dedicated to providing accessible and straightforward banking solutions that fit into your lifestyle. With real-time account management and a suite of digital tools at your fingertips, managing your finances has never been simpler or more secure. Join us today and experience the difference!

Financial Strength

A Solid Foundation

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.

Commitment to Operational Excellence

Our operational efficiency is evident with a net income of $0, reflecting our commitment to serving you without compromising quality or service. 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 team.

Growing Together

Total Share Accounts stand at an impressive 2,036,011, showing a strong and growing member base that trusts us with their finances. This growth speaks volumes about the confidence our members have placed in us. 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 1700 N Main St Jacksonville Fl 32206 or call 904-908-2756 to learn more about how we can help you achieve your financial goals.

Member Savings Are Secure

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 in Your Future

With $910,485,545 in undivided earnings, we reinvest in innovative banking tools and stronger lending options 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.

Loan Offering

Additional Loan Options

For business owners seeking growth opportunities, our outstanding commercial loans totaling $880,089,420 provide the capital needed to expand your business ventures. Additionally, if you're considering refinancing existing loans or exploring eligibility options for any of our products, feel free to reach out for more information. Our team is available at 904-908-2756, ready to assist you with any questions about our loan offerings or services. We invite you to visit us during our lobby 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. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at https://www.ncua.gov, based on the latest results. At Vystar, we are committed to supporting your financial journey with reliable lending solutions that work for you.

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 interested in financing a brand-new vehicle or a reliable used one, we have options that can fit your budget.

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. Whether you're looking to purchase your first home or refinance an existing mortgage for better terms, we're here to guide you through the process.

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, these cards come with competitive rates and are designed to assist you in making purchases while maintaining your cash flow.

Loan Aggregator

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Real-Time Rate Comparisons

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Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans