VyStar Credit Union Jacksonville FL: Affordable Auto Loans & Mortgage Refinancing

Introduction

Welcome to Vystar, your trusted financial partner in the heart of Jacksonville, Florida! Located at 7795 103Rd St, our branch has been serving the community since 1952. With a commitment to putting members first, we proudly support nearly 1 million members who rely on us for their banking needs. Our total assets exceed an impressive $14.7 billion, which showcases our strength and stability in the financial landscape. At Vystar, we believe that banking should be personal. That's why we offer a wide range of services tailored just for you from checking and savings accounts to auto loans, mortgages, and business banking solutions. Our dedicated team of 2,321 employees is here to ensure you receive top-notch service every step of the way. While you can visit us at our branch for all your banking needs, official correspondence should be directed to the same address: 7795 103rd St, Jacksonville, FL 32210. With over $975 million in deposits and a net worth of $1.3 billion, we are well-equipped to help you achieve your financial goals. Under the leadership of CEO Brian Wolfburg and Board President Kem Siddons, we continue to strive for excellence in providing financial services that empower our members and strengthen our community. Whether you're looking for personal loans or business financing options, Vystar is here to guide you. Ready to take your financial journey to the next level? Feel free to give us a call at 904-908-2380, or visit our website at vystarcu.org for more information. We look forward to welcoming you into the Vystar family!

Branch History & Mission

Innovation and Accessibility

As times change, so do we. Vystar embraces technology to enhance your banking experience. With features like online banking, mobile payments, and e-statements, managing your finances has never been easier or more convenient. Our branch is also ADA compliant, ensuring that everyone can access our services without barriers. For those who prefer face-to-face interactions, we provide drive-thru banking and ATM availability at our location for quick transactions without having to leave your car.

Join Us

As we look towards the future, Vystar remains committed to delivering personalized service that puts you first. We invite you to become part of our growing family of members who enjoy not only reliable banking but also a sense of belonging within the community. Contact us today at 904-908-2380 or visit Vystar's website for more information about how we can help you achieve your financial dreams!

Our Mission

At Vystar, our mission is clear: we strive to provide exceptional financial services while fostering community growth and well-being. We believe that everyone deserves access to affordable financial products that help them achieve their goals. From checking and savings accounts to auto loans and mortgage refinancing, we offer a wide range of services tailored to meet the diverse needs of our members. Our dedication extends beyond just banking; we actively participate in community outreach efforts that strengthen our local neighborhoods. Through various initiatives and partnerships, we aim to create positive change and support those in need.

Branch Location & Accessibility

Welcome to Vystar, your friendly neighborhood credit union located at 7795 103Rd St in Jacksonville, FL! Nestled in the heart of Duval County, our branch is easily accessible and conveniently situated near popular local landmarks, making it a great stop for all your banking needs. Whether you're near the bustling shopping areas or enjoying the nearby parks, we are here to serve you with a smile. At Vystar, we understand that convenience is key. Our branch features ample parking and is fully ADA compliant, ensuring that everyone can visit us comfortably. If you're on the go, take advantage of our drive-thru service for quick deposits and withdrawals without leaving your vehicle. We also offer an ATM on-site for those who prefer to handle transactions independently. While our friendly staff is ready 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 you can rest assured that we are always committed to providing exceptional service tailored to your needs. If you ever need assistance outside of these hours, feel free to explore our online and mobile banking options available through our website at vystarcu.org. If you need to send us any official correspondence, please use our mailing address: 7795 103rd St, Jacksonville, FL 32210. We invite you to stop by or give us a call at 904-908-2380. Our team at Vystar looks forward to welcoming you and helping you reach your financial goals!

Member Eligibility

Joining Vystar feels like becoming part of a warm and welcoming community, where your financial needs are understood and prioritized. To become a member, you simply need to meet some straightforward eligibility criteria that often include living, working, or attending school in the area we serve. This means if you're in or around Jacksonville, you'll likely qualify! Being a member comes with fantastic perks like lower loan rates, personalized service, and access to exclusive products designed just for you. To learn more about the specific eligibility requirements, feel free to check out our detailed resource at . If you're ready to take the next step and open an account with us, it's as easy as visiting our branch at 7795 103Rd St Jacksonville Fl 32210 or giving us a call at (904) 908-2380. We're excited to help you get started on your journey with Vystar!

Business Banking & Commercial Services

Commercial 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 offer comprehensive merchant services designed to simplify your payment processes. Imagine being able to accept payments anytime and anywhere whether it's through a mobile app at a trade show or online sales on your website. Our services ensure you get paid quickly, allowing you to focus on what matters most: growing your business. Visit us at 7795 103Rd St Jacksonville Fl 32210 in Jacksonville, FL or call us at (904) 908-2380 to learn more about how we can support your business journey!

Comprehensive List Of Services

ATM & Drive-Thru Services

If you prefer face-to-face interactions or need quick access to cash, our drive-thru banking is here for basic transactions like deposits and withdrawals. Additionally, with multiple ATMs available, accessing your funds has never been easier whether you're checking balances or withdrawing cash. Our goal at Vystar is not just to be a place where you bank but a partner in your financial journey. We invite you to explore these services further by visiting us at 108-103rd Street or reaching out directly via phone at (904) 908-2380. Let us help you take the next step toward achieving your financial aspirations!

Business Banking

For entrepreneurs and business owners in the community, we offer specialized services like merchant services and business loans. We know running a business comes with its own challenges, so let us support you with the financial tools you need to succeed.

Credit Cards with Rewards

Enjoy shopping while earning rewards with our credit cards! These cards not only provide convenience but also reward you for every purchase. Imagine getting points back just for using your card at your favorite stores!

Digital Banking Features

In today's fast-paced world, having access to your finances on-the-go is essential. That's why we prioritize online and mobile banking features that make banking simple and convenient. You can check balances, transfer funds, and even pay bills from your smartphone or computer at any time.

Home Financing Solutions

Thinking about buying a home or refinancing your current mortgage? Our mortgage loans and refinancing services can help simplify this process. Our knowledgeable staff will guide you through the available choices, ensuring you find the right fit for your budget.

Personal Banking

For those looking to manage their everyday finances, our personal banking options are tailored just for you. We offer checking and savings accounts that fit various lifestyles and needs, making it easy to keep your money secure while also earning interest. If you're considering purchasing a new vehicle, check out our auto loans and vehicle financing options that make car ownership more accessible.

Personal Loans

Life can sometimes throw unexpected expenses your way. With our personal loans and debt consolidation options, we aim to provide solutions that alleviate financial stress. Whether you need funds for home repairs, medical bills, or a special occasion, we are here to help.

Digital & Online Banking

Accessibility & Management

Whether you're at home or on the go, our mobile payments feature makes shopping quick and easy. Just tap your phone to pay at participating retailers! With all these options available, managing your money in real time is straightforward and accessible. In a world that never stops moving, having reliable digital banking tools gives you peace of mind. Experience how effortless financial management can be with Vystar's digital services today!

Key Services

Our online banking service is available 24/7, allowing you to check balances, transfer funds, and pay bills whenever it suits you. You'll appreciate the ease of making person-to-person transfers; sending money to friends or family has never been simpler! Plus, with our user-friendly mobile application, you can manage your finances right from your smartphone. Security is a top priority at Vystar. We provide electronic signature authorization for safe and convenient transactions without the hassle of paperwork. You can also enjoy e-statements, which let you view your account statements online securely no more waiting for the mail!

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. With our commitment to sound financial practices and member-focused services, you can rest assured knowing that your credit union is built on 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. 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 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 loans and leases. Our operational efficiency is reflected in our $0 net income, which highlights our focus on sustainable growth rather than short-term profits. 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 available for lending and investments total $72,607,517, while we proudly manage 2,036,011 total share accounts, showcasing 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 7795 103Rd St Jacksonville Fl 32210 or call 904-908-2380 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 purchasing a brand-new model or a reliable pre-owned vehicle, our competitive rates and flexible terms make it easier than ever to drive off with confidence.

Business Financing

For business owners seeking 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 and contributing to community growth.

Eligibility and Refinancing Options

If you're unsure about eligibility or want to explore refinancing options for any of our loan products, our friendly staff is ready to assist you. We believe in transparency and will guide you through every step of the process. Our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whether you're looking for an auto loan or considering a mortgage or credit card option, Vystar is here to support your financial journey. Don't hesitate to reach out at 904-908-2380 for more information or visit us 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. Let us help you take the next step towards achieving your financial dreams!

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 provide personalized service and support throughout the process to ensure you understand your options and find a mortgage that fits your budget.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. 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 gives you the flexibility you need while allowing you to build your credit responsibly.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed to help users navigate the often complex world of loans with confidence. LendMesh ensures accurate loan comparisons through a rigorous sourcing process. 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 means that users can trust the offers presented as fair and transparent. The benefits of using LendMesh are significant. For instance, all loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can also rest assured knowing that LendMesh does not prioritize lenders based on paid promotions its goal is to provide unbiased results. Additionally, LendMesh provides real-time rate comparisons from multiple institutions, enabling users to make informed decisions quickly. 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!" This testimonial reflects the real-world impact that LendMesh has had on its users. Compare real-time loan offers today at LendMesh and find the best rates for your needs. 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

Introduction

Branch History & Mission

Innovation and Accessibility

Join Us

Our Mission

Branch Location & Accessibility

Member Eligibility

Business Banking & Commercial Services

Commercial Loan Options

Merchant Services

Comprehensive List Of Services

ATM & Drive-Thru Services

Business Banking

Credit Cards with Rewards

Digital Banking Features

Home Financing Solutions

Personal Banking

Personal Loans

Digital & Online Banking

Accessibility & Management

Key Services

Financial Strength

Loan Offering

Auto Loans

Business Financing

Eligibility and Refinancing Options

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Join Our Community