VyStar Credit Union Jacksonville FL: Quick Personal Loans & Business Banking

Introduction

Welcome to Vystar, your trusted partner in financial growth and community support. Located at 7802 Atlantic Blvd, Jacksonville, FL 32211, our branch has been serving members since 1952. With a commitment to providing personalized banking services, we have grown to boast a vibrant membership of 997,469 individuals who rely on us for their financial needs. At Vystar, we understand that your financial journey is unique. That's why we offer a range of services tailored just for you from checking and savings accounts to auto loans and mortgage options. With total assets reaching an impressive $14,746,180,513, we're well-equipped to help you achieve your financial goals. Our strong foundation is further highlighted by our total deposits of $975,513,063 and net worth of $1,298,248,326, ensuring that your money is safe with us. Our dedicated team of 2,321 employees, led by CEO Brian Wolfburg and Board President Phillip Siddons, is here to provide exceptional service every step of the way. We pride ourselves on our community impact and strive to foster long-lasting relationships with our members. Whether you need assistance with loans like our total of 497,479 loans currently available or you're looking for business banking solutions, we've got you covered. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 7802 Atlantic Blvd, Jacksonville, FL 32211. At Vystar, we believe in empowering our members with the tools they need for financial success. So why wait? Give us a call at 904-908-2300 or visit us online at Vystar Credit Union today! Let's work together towards a brighter financial future.

Branch History & Mission

Innovation and Accessibility

In addition to our traditional services, Vystar embraces technology to enhance member experience. With features like online and mobile banking, electronic statements, and person-to-person payments, we ensure that managing your finances is both convenient and secure. We prioritize accessibility by adhering to ADA compliance standards so that all members can fully utilize our services. We invite you to join the Vystar family today! Experience firsthand how our dedication to service can help you achieve your financial goals while being part of a community-focused institution. Call us at 904-908-2300 or visit us online at Vystar for more information on how you can become a member of this thriving credit union. Together, let's build a brighter future for ourselves and our community!

Our Mission

At Vystar, our mission is clear: we strive to empower our members through personalized financial solutions while fostering a sense of community. We believe that everyone deserves access to quality banking services and financial education. This mission drives us as we offer a wide range of products such as personal banking accounts, auto loans, mortgage options, and credit cards with rewards. Our commitment extends beyond just banking; it includes active engagement in community outreach programs. We work tirelessly to support local initiatives that make Jacksonville a better place for everyone. By partnering with various organizations and participating in community events, we aim to create meaningful connections that uplift those around us. While you can visit us at our branch location for all your banking needs, please note that any official correspondence should be sent to the same address: 7802 Atlantic Blvd, Jacksonville, FL 32211.

Branch Location & Accessibility

ATM Availability

Need cash on the go? No problem! Our branch features an ATM for your convenience, allowing you to make withdrawals or check your balance anytime. While members can visit us at 7802 Atlantic Blvd for all their banking needs, official correspondence should be sent to the same address. If you have any questions or would like more information about our services, feel free to give us a call at 904-908-2300. We look forward to welcoming you into our community!

Nearby Landmarks and Accessibility

Situated in the vibrant Duval County, our branch is just a stone's throw away from popular local spots. If you're familiar with the area, you might recognize us near the bustling Atlantic Boulevard making it easy to swing by while running errands or enjoying a day out. We've made sure that our facility is accessible to everyone, with ADA-compliant features including ramps for those who may need assistance.

Operating Hours

We know your time is valuable. That's why we're open during convenient 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. So whether you prefer visiting us during the week or on weekends, we've got you covered!

Parking and Services

Finding parking is a breeze at our location! We offer ample parking space right outside the entrance so you can hop in and out without any hassle. For those looking for more than just traditional banking, we're proud to provide various services such as personal banking options, auto loans, mortgage financing, and even business banking solutions. Plus, if you're in a hurry, our drive-thru service makes transactions quick and simple.

Member Eligibility

At Vystar, we believe that joining our community is more than just opening an account it's about becoming part of a family that supports one another. If you're looking to become a member, you'll be happy to know that eligibility is quite inclusive! Generally, anyone who lives, works, or worships in the Jacksonville area can join us. We also welcome family members of current members, making it easy for you to share the benefits of membership with your loved ones. Being part of Vystar means gaining access to a variety of financial services designed to help you thrive, from checking and savings accounts to competitive loan options. Opening your account is straightforward and welcoming. You can find all the details you need on our website at . If you have any questions or need assistance, feel free to reach out to us at (904) 908-2300. We're here to help guide you through every step of the process so that you can start enjoying all the perks of being a member at Vystar!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer merchant services that simplify transactions for your business. Picture this: customers can easily pay for their purchases using various methods, enhancing their experience while boosting your sales. Our merchant services make it easier for you to manage payments so you can focus on what you do best running your business. Located at 7802 Atlantic Blvd Jacksonville Fl 32211 in Jacksonville, FL, we're here to partner with you every step of the way. For more information, call us at (904) 908-2300 or visit our website at https://www.vystarcu.org. Let's grow together!

Tailored Loan Options

Imagine having the financial backing to turn your ideas into reality. 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

ATM & Cash Withdrawal Services

With ATMs available at convenient locations, accessing your money is hassle-free. You can withdraw cash or check balances without stepping foot inside a branch.

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our auto loans provide competitive rates and flexible terms, making it easier than ever to drive off in the vehicle you want. With quick approvals and a straightforward application process, you can focus on what matters most enjoying your new ride.

Business Banking

For entrepreneurs and business owners, we offer specialized services like merchant services and business loans. We understand the challenges of running a business, so we provide tailored solutions that help you thrive in today's market.

Credit Cards with Rewards

Enjoy shopping even more with our credit cards that offer rewards! Whether you're earning points for travel or cash back on everyday purchases, you'll appreciate the benefits that come with being a member of Vystar. Plus, managing your card is easy through our online banking platform.

Digital Banking Features

In today's fast-paced world, convenience is key. Our online and mobile banking platforms allow you to manage your finances anytime, anywhere. Whether it's checking balances, transferring funds, or depositing checks from your phone, we've made banking simple and accessible.

Drive-Thru Banking

For those quick transactions like deposits or withdrawals, take advantage of our drive-thru service. It's designed for your convenience when you're on the go! Our commitment at Vystar goes beyond just offering products; it's about creating relationships built on trust and understanding. If you're ready to explore how we can help you achieve your financial goals, don't hesitate to reach out! Call us at (904) 908-2300 or visit us in person at 7802 Atlantic Blvd Jacksonville Fl 32211. Your journey toward financial wellness starts here!

Mortgage Loans & Refinancing

Purchasing a home is one of the biggest decisions you'll make, and we're here to help every step of the way. From first-time homebuyers to seasoned homeowners looking to refinance, our mortgage options cater to various needs and budgets. We work with you to find the best plan that suits your financial situation.

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking services are tailored to fit your lifestyle. Imagine having a safe place to manage your everyday expenses while also saving for future goals. Our accounts come with user-friendly features that help you track your spending and grow your savings.

Personal Loans & Debt Consolidation

If you're looking for extra cash for unexpected expenses or want to consolidate debt, our personal loans can provide the support you need. With straightforward terms and competitive rates, we aim to alleviate financial stress so you can focus on what's important in life.

Digital & Online Banking

Always Available

With 24/7 online banking services Yes, you never have to worry about business hours. Whether it's early morning or late at night, you can check your account balance, pay bills, or transfer funds in real-time. At Vystar, we aim to provide tools that make financial management simple and effective, giving you peace of mind as you navigate your daily activities. Join us today and experience how our digital banking solutions can enhance your financial journey!

Key Features

Our online banking services include everything you need for smooth account management. You can view balances, make transfers, and even set up electronic statements with ease. If you prefer a paperless approach, you'll love that we offer e-statements Yes to keep your records organized and accessible. In today's fast-paced world, convenience is key. With our mobile application Yes, you can manage your finances right from your smartphone. Plus, if you like using mobile payments Yes, you can pay friends or businesses quickly and securely without needing cash or cards.

Security You Can Trust

We prioritize your security by incorporating features like electronic signature authorization Yes for safe transactions. Rest assured that your information is protected while you enjoy the flexibility of person-to-person transfers Yes whenever needed.

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. We understand that the trust you place in us is paramount, which is why we are committed to maintaining a robust financial foundation that benefits you directly. 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. Our commitment to your financial well-being is reflected in our $910,485,545 in undivided earnings, which we reinvest in innovative banking tools and stronger lending options to serve our members better. With $91,613 in used auto loans and over $10 billion in total loans and leases supporting various sectors of the economy, our lending capacity is designed to help you achieve your financial goals. Our operational efficiency is highlighted by 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. Net Shares (Funds available for lending and investments): $72,607,517. Total Share Accounts: 2,036,011, showing 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 7802 Atlantic Blvd Jacksonville FL 32211 or call 904-908-2300 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. We provide financing options that are tailored to fit your budget, whether you're looking for a new or used vehicle.

Business Loans

For business owners, our outstanding commercial loans totaling $880,089,420 provide the capital needed to grow and expand. We recognize the unique challenges faced by small businesses and aim to provide flexible solutions that align with your growth objectives. Whether you're considering refinancing an existing loan or exploring eligibility options for our various products, our team is ready to assist you. We prioritize transparency and work closely with our members to ensure they find the best loan solution for their individual needs. 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 providing personalized service and competitive rates across all our loan offerings. Visit us today or give us a call at (904) 908-2300 to learn more about how we can help you achieve your financial dreams!

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 guide you through the process and ensure that you understand your options for both purchasing a new home and refinancing an existing mortgage.

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 credit cards come with competitive rates and no hidden fees, making it easier for you to handle unexpected expenses or build your credit history.

Loan Aggregator

Benefits of Using LendMesh

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Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans