VyStar Credit Union Jacksonville FL: Affordable Auto Loans & Rewards Cards

Introduction

Welcome to Vystar, your trusted financial partner located at 1600 Hendricks Ave, Jacksonville, FL 32207. Established in 1952, we have proudly served our community for over seven decades, growing to support nearly 1 million members with a commitment to exceptional service and financial stability. As a member-focused credit union, we understand the importance of building lasting relationships based on trust and reliability. At Vystar, we offer a wide range of services tailored to meet your financial needs, from personal banking and auto loans to mortgage financing and business services. With total assets exceeding $14.7 billion and deposits around $975 million, our strong financial foundation enables us to provide competitive rates and innovative products that help you achieve your goals. Our leadership team, headed by CEO Brian Wolfburg and Board President Phillip Siddons, is dedicated to fostering a supportive environment where our members can thrive. With over 2,300 employees, we are here to assist you every step of the way, whether you're looking for a new account or exploring loan options. While you can visit us at our branch location for all your banking needs, if you need to send official correspondence, please direct it to our mailing address: 1600 Hendricks Ave, Jacksonville, FL 32207-3110. We invite you to explore what Vystar has to offer. Whether you're interested in opening an account or learning more about our loan products, don't hesitate to reach out! Call us today at 904-420-5060 or visit our website at vystarcu.org for more information. Join us in building a brighter financial future together!

Branch History & Mission

Join Us

We invite you to be part of our vibrant community at Vystar. Whether you're looking for a supportive financial partner or seeking ways to engage with local initiatives, we welcome you with open arms. Experience the benefits of membership today by reaching out or visiting us at our branch location! For any inquiries or assistance, feel free to call us at 904-420-5060. Together, let's build a better tomorrow!

Our Journey

From our humble beginnings, Vystar was created with the mission to provide accessible financial services to everyone in the community. Over the years, we've evolved and expanded our offerings to include personal banking solutions such as checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking services. Our branch at 1600 Hendricks Ave is conveniently located near local landmarks, making it easy for members to reach us. While members can visit us at 1600 Hendricks Ave, official correspondence should be sent to our mailing address at 1600 Hendricks Ave, Jacksonville, FL 32207-3110. Our dedicated team is here to assist you 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.

Our Mission

At Vystar, our mission is clear: we are committed to improving the financial well-being of our members while fostering a spirit of community. We strive not only to provide top-notch financial services but also to make meaningful contributions to local initiatives that enhance the quality of life in Jacksonville and beyond. We believe that by supporting our community through partnerships and outreach efforts, we can help create a brighter future for everyone. Our member-focused approach includes modern conveniences like online and mobile banking options and ATM access for your ease. With drive-thru banking available for quick transactions, we ensure that your banking experience is as smooth as possible.

Branch Location & Accessibility

Welcome to Vystar at 1600 Hendricks Ave, Jacksonville, FL! Our branch is conveniently located in the heart of Duval County, making it easy for you to access our services whether you're running errands or commuting. Nestled near popular landmarks, we are just a stone's throw from the vibrant San Marco area, where you can find delightful shops and eateries. At Vystar, we prioritize your convenience. Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and ample parking for all visitors. Whether you prefer to walk in, use our drive-thru service, or withdraw cash from our ATM, we have you covered. We're here for you during flexible 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. Feel free to stop by during these times or give us a call at 904-420-5060 if you have any questions about our offerings. While members can visit us at 1600 Hendricks Ave for banking needs, official correspondence should be sent to the same address no need for confusion! Our dedicated team is ready to assist you with personal banking solutions like checking and savings accounts, auto loans, mortgages, and more. Come experience the friendly atmosphere at Vystar! We look forward to serving you soon.

Member Eligibility

Becoming a member of Vystar feels like joining a warm and welcoming family where your financial well-being is the top priority. If you live, work, or worship in the Jacksonville area, or if you're related to someone who does, you're likely already eligible to join us! At Vystar, we believe that everyone deserves access to quality financial services tailored to their needs. Joining our community not only opens up a world of personalized banking options but also connects you with exclusive benefits like competitive loan rates and comprehensive financial education. To learn more about the specific eligibility requirements and how you can start your membership journey, please visit our detailed guide at . Once you're ready to take the next step, opening an account is simple and straightforward. Feel free to give us a call at (904) 420-5060 if you have any questions. We look forward to welcoming you at our branch located at 1600 Hendricks Ave Jacksonville Fl 32207!

Business Banking & Commercial Services

Merchant Services That Empower

Imagine running your business without worrying about payment processing. Our merchant services make accepting payments a breeze whether you're at a bustling retail location or on-the-go. With user-friendly tools, you can easily manage transactions, track sales, and streamline operations. This means more time focusing on what really matters: growing your business. At Vystar, located at 1600 Hendricks Ave Jacksonville Fl 32207 in Jacksonville, FL, we are here to provide the financial support you need to turn your business dreams into reality. Let's grow together! For more information, call us at (904) 420-5060 or visit our website at https://www.vystarcu.org.

Tailored Loan Solutions

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 Support

For our business members, we provide comprehensive banking solutions including merchant services and business loans that empower you to grow your venture. Whether you're starting a new project or need capital for expansion, we're here to help your business thrive.

Digital Banking Convenience

In today's fast-paced world, managing your finances should be hassle-free. With our online and mobile banking features, you can check balances, transfer money, and pay bills anytime and anywhere. Plus, our ATM services ensure that cash is always within reach when you need it.

Drive-Thru & ATM Access

If you prefer face-to-face interaction but appreciate convenience too, our basic drive-thru banking allows for quick deposits, withdrawals, and simple transactions without leaving your car. For those times when you're on-the-go, our ATMs provide easy access for cash withdrawals and balance checks. At Vystar in Jacksonville, FL, we are dedicated to meeting the diverse financial needs of our community with friendly service and expert guidance. If you're ready to explore how we can support your financial journey or have any questions about our services, don't hesitate to reach out! Call us at 904-420-5060 or visit us at Vystar's website today!

Home Financing Made Easy

Thinking about buying a home or refinancing your existing mortgage? Our mortgage loans come with competitive rates and flexible terms, making it easier for you to achieve homeownership. We know that every situation is different, so we're here to guide you through the process with personalized support.

Loans That Fit Your Needs

Life can be unpredictable, which is why having access to personal loans for unexpected expenses or debt consolidation can be incredibly helpful. At Vystar, we also offer credit cards with rewards because who doesn't love earning points on their everyday purchases?

Personal Banking Solutions

Whether you're opening your first checking account or planning for retirement, our personal banking services are designed to support you every step of the way. Our checking and savings accounts offer easy access to your funds while helping you save for future goals. Need a new car? Our auto loans and vehicle financing options can help get you on the road quickly and affordably.

Digital & Online Banking

At Vystar, we understand that managing your finances should be easy and secure. That's why we offer a range of digital and online banking services designed to fit your busy lifestyle. With our 24/7 online banking, you can check your account balances, pay bills, and transfer money whenever it suits you right from the comfort of your home or on the go. Our online banking platform is user-friendly and accessible through our website at https://www.vystarcu.org. You can sign up for e-statements, which not only help you stay organized but also contribute to a more environmentally friendly way of managing your finances. Plus, with electronic signature authorization, signing documents has never been simpler or safer. If you're always on the move, our mobile application puts banking right in your pocket. You can make mobile payments effortlessly, ensuring that your transactions are quick and hassle-free. And don't forget about our person-to-person transfer feature that allows you to send money directly to friends or family with just a few taps. We prioritize security in all our services, so you can feel confident knowing that your information is protected while you manage your accounts. Whether it's checking balances or making transfers, rest assured that you're using a secure platform designed for your peace of mind. Experience the convenience and flexibility of digital banking with Vystar today!

Financial Strength

Commitment to Operational Excellence

Our operational efficiency is evident through our net income of $0, enabling 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.

Growing Member Base

Total Share and Deposit Accounts stand at an impressive 2,036,011, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) amount to $72,607,517, further reflecting our dedication to empowering our members financially. 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 1600 Hendricks Ave Jacksonville Fl 32207 or call 904-420-5060 to learn more about how we can help you achieve your financial goals.

Member-Centric 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.

Reinvestment in Services

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 an impressive total of $10,061,804,065 in total loans and leases.

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.

Loan Offering

Additional Financing Options

For business owners, our outstanding commercial loans totaling $880,089,420 provide the capital needed to grow and expand your business. We believe in supporting local entrepreneurs and helping them thrive. If you are considering refinancing any of these products or want to learn about eligibility options, our team at Vystar is here to assist you every step of the way. Our branch is conveniently located at 1600 Hendricks Ave Jacksonville Fl 32207, Jacksonville, FL, making it easy for you to visit us and discuss your loan needs. You can reach us at (904) 420-5060 during our operating hours: Monday-Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. For performance insights and financial data related to our offerings, please refer to the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whether you're looking for an auto loan, mortgage, or personal credit options, we're committed to providing tailored solutions that meet your unique financial situation. Visit us today!

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 new or used vehicle, we have flexible options that can fit your budget.

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 provide competitive rates and personalized service 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. This option is perfect for those looking to consolidate debt or make larger purchases without the need for collateral.

Loan Aggregator

Benefits of Using LendMesh

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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 adherence to established guidelines ensures that all offers are fair and transparent. By relying on verified institutions, LendMesh guarantees that the information you receive is accurate and reliable.

Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans