VyStar Credit Union Jacksonville FL: Low Mortgage Rates & Auto Loans

Introduction

Welcome to Vystar, your trusted partner in financial well-being since 1952! Located at 4420 Wabash Ave, Jacksonville, FL 32210, we take pride in serving our vibrant community. With a strong membership base of 997,469 and total assets exceeding $14.7 billion, we are dedicated to providing personalized banking solutions that meet your needs. At Vystar, we believe that banking should be more than just transactions; it should be a relationship built on trust. Our commitment to you is reflected in our impressive financial health, including total deposits of $975,513,063 and a net worth of $1,298,248,326. Our experienced team works hard to ensure you have access to the services you need, from personal loans and mortgage refinancing to business banking options. Led by CEO Brian Wolfburg and Board President Phillip Siddons, our dedicated staff of 2,321 employees is here to help you achieve your financial goals. We offer a variety of convenient services such as online and mobile banking, drive-thru access, and ATMs for easy cash withdrawals. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 4420 Wabash Ave, Jacksonville, FL 32210. Join us today and discover how Vystar can help you reach new heights in your financial journey! For any questions or assistance, feel free to give us a call at 904-908-2392 or explore more at Vystar's website. We look forward to serving you!

Branch History & Mission

Community Connections

Vystar is more than just a bank; we are deeply committed to giving back to the communities we serve. Through various outreach programs and partnerships with local organizations, we aim to uplift those around us. Whether it's sponsoring educational initiatives or participating in local events, we believe that strong community ties lead to shared success. While you can visit us at our branch on Wabash Ave for all your banking needs during our convenient 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 official correspondence should be sent to the same address as well. At Vystar, we're excited about the future and invite you to join our growing family. Experience the benefits of being part of a credit union that truly cares about its members and community. For more information or to get started today, please call us at 904-908-2392 or visit our website. Together, let's build a brighter financial future!

Our Mission

Our mission is clear: we strive to empower our members through exceptional financial services while fostering community support and engagement. We believe that by investing in our members' financial well-being, we can help them achieve their dreams and create a thriving community. Whether it's through personal banking options like checking and savings accounts or offering auto loans and mortgages, Vystar is here to support every member's journey. As part of this mission, we prioritize accessibility and innovation. We offer online banking, mobile payments, and electronic signatures to enhance your banking experience. Our drive-thru service allows for quick transactions without leaving your car, ensuring convenience for all our members.

Branch Location & Accessibility

Call to Action

We invite you to visit us at Vystar on Wabash Ave or give us a call at 904-908-2392 for any inquiries or assistance. Our dedicated team looks forward to helping you achieve your financial goals!

Operating Hours

Our doors are open to welcome you 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 hours; our friendly staff is always eager to assist you with any banking questions or needs.

Parking and Accessibility

At Vystar, we prioritize your convenience. Our branch features ample parking options and is designed with accessibility in mind. With ADA-compliant ramps and entrances, everyone can enjoy easy access to our facilities. Whether you're visiting in person or utilizing our drive-thru service for quick transactions, we've got you covered.

Services Offered

At Vystar, we offer a variety of services tailored just for you! From checking and savings accounts to auto loans and mortgage refinancing, we strive to meet all your financial requirements. You can also take advantage of our ATM availability for easy cash withdrawals and balance checks whenever you need them.

Member Eligibility

Becoming a member of Vystar is like joining a warm, welcoming community where your financial well-being is our top priority. If you're located in the Jacksonville area or have ties to Duval County, you may qualify for membership with us! We're here to support individuals and families just like yours by offering personalized financial services that fit your needs. To find out if you're eligible, we encourage you to visit our detailed eligibility page at . You'll discover that joining us is easy and straightforward no complicated requirements, just a commitment to serving our members better. Once you've confirmed your eligibility, opening an account at Vystar is a breeze! You can get started by reaching out to us at (904) 908-2392 or visiting us at our branch located at 4420 Wabash Ave Jacksonville Fl 32210. Whether you're looking for checking and savings accounts, auto loans, or credit cards with rewards, we're excited to help you take the next step toward achieving your financial goals. Don't hesitate to explore all the benefits of being part of our family!

Business Banking & Commercial Services

Merchant Services Made Simple

In addition to loans, we offer merchant services that simplify daily operations. Imagine having a reliable system for accepting payments that helps streamline your sales process. Our solutions are tailored to meet your needs, ensuring you can focus on what matters most growing your business. Visit us at 4420 Wabash Ave Jacksonville Fl 32210 in Jacksonville, FL or call us at (904) 908-2392 to learn how we can partner with you on your journey toward success!

Supporting Your 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.

Comprehensive List Of Services

Accessibility at Your Fingertips

Our branch also features basic drive-thru banking for those who prefer in-person service without leaving their cars. Simple transactions such as deposits and withdrawals can be handled efficiently while you're on the move. If you have any questions or need assistance with any of our services, don't hesitate to reach out! Call us at (904) 908-2392 or visit us at 4420 Wabash Ave Jacksonville Fl 32210 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. Ready to take control of your financial future? Come see how Vystar can help you achieve your goals today!

Business Banking Solutions

For entrepreneurs, our business banking services are crafted to support growth. From merchant services that simplify transactions to business loans that can help expand operations, we have the tools necessary for your success. Your business is important to us, and we want to see it thrive!

Embracing Digital Banking

In today's fast-paced world, convenience is key. That's why Vystar offers robust online and mobile banking features. You can manage your accounts anytime, anywhere whether it's paying bills, transferring money through person-to-person payments, or checking balances on the go. Plus, our ATM services allow for quick cash withdrawals whenever you need them.

Personal Banking Made Easy

We understand that everyone has unique financial goals. That's why we offer personal banking services, including checking and savings accounts designed to help you save for the future. Whether you're opening your first account or looking to manage multiple accounts, our simple processes make it easy for you. If you're considering a new vehicle, our auto loans and vehicle financing options are here for you. Imagine driving away in your dream car with flexible terms that fit your budget! Additionally, for those looking to invest in a home, we provide mortgage loans and refinancing solutions that can simplify the home buying process. Need extra funds? Our personal loans and debt consolidation services can help ease financial burdens. With competitive rates and straightforward terms, you can focus on what matters most without worrying about finances.

Digital & Online Banking

Access Your Accounts Anytime

Our online banking platform at https://www.vystarcu.org allows you to check your balances, view transactions, and transfer funds with just a few clicks. Whether you're at home or on the go, our 24/7 online banking services give you real-time access to your financial information. Plus, with features like person-to-person transfers, sending money to friends and family has never been simpler.

Mobile Banking Made Easy

Take your banking experience up a notch with our mobile application. Available for download on your smartphone, it offers all the functionalities of online banking right in your pocket. You can make mobile payments easily, ensuring that paying for everyday purchases is quick and hassle-free. And if you prefer using electronic methods for signing documents, we have you covered with electronic signature authorization available for many transactions.

Stay Organized and Go Paperless

Say goodbye to cluttered mailboxes with our e-statements feature! Accessing your account statements electronically not only helps the environment but also keeps everything organized in one place. You'll have easy access to important documents whenever you need them. At Vystar, we prioritize security alongside convenience. Our digital banking services are equipped with robust security measures to protect your personal information while providing you with a smooth user experience. Explore the full suite of digital banking options today at https://www.vystarcu.org and discover how easy managing your finances can be!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 2,036,011, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $72,607,517. 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 4420 Wabash Ave Jacksonville Fl 32210 or call (904) 908-2392 to learn more about how we can help you achieve your financial goals.

Investing Back into Our Members

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

Operational Efficiency

Our $0 reflects our operational efficiency, 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, committed team.

Secure Savings Opportunities

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.

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

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. We offer financing options for both new and used vehicles, making it easier than ever to find the right fit for your lifestyle.

Business Financing

For business owners, our outstanding commercial loans totaling $880,089,420 provide the capital needed to grow and expand. We understand the unique challenges businesses face and are here to support your success. At Vystar, we pride ourselves on offering more than just loans; we strive to build lasting relationships with our members by understanding their financial needs. If you're interested in refinancing options or checking eligibility for any of our products, don't hesitate to reach out. For more information about our loan offerings or to speak with a representative directly, call us at 904-908-2392 or visit us at 4420 Wabash Ave Jacksonville Fl 32210. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let Vystar be your partner in achieving financial success!

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 aim to guide you through the process with clear information and support every step of the way.

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 provides you with the purchasing power you need while allowing you to maintain control over your spending.

Loan Aggregator

Benefits of Using LendMesh

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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 every loan offer displayed is fair and transparent, allowing users to trust the information they receive.

Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans