VyStar Credit Union Jacksonville FL: Top Business Loans & Auto Financing

Introduction

Welcome to Vystar, your trusted financial partner located at 7000 Powers Ave, Jacksonville, FL 32217. Since our establishment in 1952, we have proudly served our community and built a strong foundation of trust and reliability. With over 997,000 members, we are dedicated to providing personalized banking solutions that meet the unique needs of each individual. At Vystar, we understand that financial decisions can be daunting. That's why our team, led by CEO Brian Wolfburg and Board President Phillip Siddons, is committed to guiding you every step of the way. We offer a range of services, including personal banking, auto loans, mortgages, and credit cards all designed to help you achieve your financial goals. With total assets exceeding $14.7 billion and total deposits reaching $975.5 million, Vystar is not just a credit union; we're a part of your community's fabric. Our financial strength allows us to lend over 497,479 loans, ensuring our members have access to the resources they need. While you can visit us at our branch on Powers Avenue for all your banking needs, official correspondence should be sent to the same address: 7000 Powers Ave, Jacksonville, FL 32217. We invite you to explore how Vystar can make a difference in your financial journey. Whether you're looking for competitive loan rates or robust online banking options including mobile payments and e-statements our goal is to empower you with the best tools and services available. Ready to take the next step? Call us today at 904-908-2307 or visit our website at Vystar for more information!

Branch History & Mission

Community Connection

As part of our mission, Vystar actively seeks partnerships with local organizations to strengthen community ties. Through various outreach initiatives and volunteer efforts, we work hard to uplift those around us and contribute positively to Jacksonville's vibrant culture. If you're looking for a credit union that prioritizes your financial health while making a difference in the community, consider joining Vystar today! Experience firsthand how we can help you navigate your financial journey with confidence and support. For more information or assistance, feel free to reach out at 904-908-2307 or visit us online at vystarcu.org. We look forward to welcoming you into the Vystar family!

Our Evolution

Since opening our doors, Vystar has continuously evolved to meet the needs of our members. Initially founded to serve a small group, our membership has expanded tremendously over the years. We have embraced advancements in technology while maintaining a strong focus on community support and member satisfaction. Our branch remains dedicated to helping individuals and families achieve their financial goals through personal banking, auto loans, mortgages, and more. Located conveniently at 7000 Powers Ave in Jacksonville, our branch is easily accessible for local residents. While you can visit us for all your banking needs during our lobby hours from Monday to Friday, 11:30 AM to 1:00 PM, official correspondence should be directed to the same address as our mailing address: 7000 Powers Ave, Jacksonville, FL 32217.

Our Mission

At Vystar, our mission goes beyond providing traditional banking services; we aim to make a positive impact in the lives of our members and the broader community. We believe in fostering financial wellness by offering valuable resources and support tailored to each member's unique situation. Our commitment includes promoting financial education and engaging in outreach programs that benefit those in need. We also understand the importance of accessibility. While we currently do not offer ATM or drive-thru services at this branch location, we are dedicated to ensuring that all members can access their accounts easily through online and mobile banking platforms.

Branch Location & Accessibility

Accessible Services for Everyone

At Vystar, we prioritize accessibility for all members. Our branch features ADA-compliant facilities, including ramps and designated parking spaces. We strive to create an inviting environment where everyone feels welcome.

Comprehensive Banking Solutions

While visiting us at Vystar, take advantage of our wide range of services designed just for you. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got everything covered. And if you're looking for business solutions, we also offer merchant services and business loans tailored to support local entrepreneurs. Although we currently do not have ATM or drive-thru services available at this branch, rest assured that our team is ready to assist you in person with any transactions you may need.

Conveniently Located

Situated near local landmarks, our branch is a short drive away from popular spots like the beautiful St. Johns Town Center and just minutes from major highways. This prime location makes it easy for you to stop by whenever you need assistance. Plus, we offer ample parking for your convenience, ensuring that your visit is as hassle-free as possible.

Friendly Operating Hours

We understand that life can get busy! That's why we're open Monday through Friday from 11:30 AM to 1:00 PM, making it easier for you to fit your banking needs into your day. Whether you're stopping by during your lunch break or planning a visit after work, our team is here to help.

Reach Out Anytime!

We invite you to drop by and explore what Vystar has to offer. If you have any questions or need assistance before your visit, feel free to call us at 904-908-2307. Join us today at our Jacksonville branch your financial journey starts here!

Member Eligibility

At Vystar, we believe in creating a welcoming community where everyone can thrive together. Becoming a member is easier than you might think! If you're living or working in our service area, or if you have a family member who is already part of our credit union, you're likely eligible to join us. This means you can enjoy not only competitive rates and personalized service but also the benefits of being part of a supportive network that genuinely cares about your financial well-being. For a deeper dive into the eligibility criteria and to ensure you meet all requirements, feel free to check out our detailed guide at . Once you're ready to open an account, the process is straightforward and designed with you in mind. Simply reach out to us at (904) 908-2307 or visit us at our branch located at 7000 Powers Ave Jacksonville Fl 32217. We're here to assist you every step of the way, ensuring that joining Vystar feels like coming home.

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial backing to launch your dream project or expand your operations. 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 today's fast-paced market, having reliable merchant services can make all the difference. Imagine a local café using our point-of-sale systems to streamline transactions and keep customers happy. Our merchant services help businesses accept payments easily and efficiently, giving you more time to focus on what you do best running your business. For more information about how Vystar can help elevate your business, visit us at 7000 Powers Ave Jacksonville Fl 32217, Jacksonville, FL or call us at (904) 908-2307. Let's work together to turn your goals into reality!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're in the market for a new vehicle, look no further! Our auto loans and vehicle financing options make it simple for you to drive away in the car of your dreams. Imagine finding that perfect car and knowing you have flexible financing options available. Our team will work with you to find a loan that fits your budget.

Business Banking Services

For entrepreneurs and small business owners, Vystar offers tailored solutions such as merchant services and business loans. Whether you're starting up or expanding an existing venture, we have the resources to support your growth.

Credit Cards with Rewards

To make everyday purchases even better, consider our credit cards with rewards. Not only do they provide you with purchasing power, but they also allow you to earn points on every dollar spent. Picture yourself enjoying perks like cash back or travel rewards just by using your card for regular expenses.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we emphasize digital banking features like online banking, mobile payments, e-statements, and person-to-person payment options. Accessing your accounts has never been easier; manage everything right from your phone! If you have questions about any of these services or want to learn more about how Vystar can help you achieve your financial goals, don't hesitate to reach out! Visit us at our branch located at 7000 Powers Ave Jacksonville Fl 32217 or give us a call at 904-908-2307. We're excited to help you take control of your financial future!

Home Financing Options

Thinking about buying a home? Our mortgage loans and refinancing options provide competitive rates to help make homeownership more accessible. With guidance from our experts at Vystar, you can navigate the home-buying process confidently.

Personal Banking Solutions

When it comes to personal banking, Vystar has you covered. We offer checking and savings accounts that cater to various lifestyles and goals. For example, if you're saving for a vacation or planning for college expenses, our savings accounts can help you reach those milestones with ease. Plus, with our online and mobile banking features, you can manage your accounts anytime, anywhere.

Personal Loans & Debt Consolidation

Life can be unpredictable, and sometimes unexpected expenses arise. That's where our personal loans come into play. Whether you're facing medical bills or planning a major purchase, we offer personal loans that can assist you in consolidating debt or covering those unforeseen costs.

Digital & Online Banking

Key Features

Our mobile application is another great tool that allows you to bank on the go. You can enjoy mobile payments for quick transactions and person-to-person transfers that let you send money directly to friends or family with ease. Plus, with electronic signature authorization, signing documents has never been simpler or more secure. We also offer e-statements, so you can go green and access your financial statements whenever you need them without the hassle of paper clutter. This not only helps save the environment but also ensures your information is kept secure. At Vystar, we prioritize your security and privacy. Our digital banking services come equipped with advanced security features to protect your personal information while providing a user-friendly experience. Overall, our digital and online banking services are designed to give you real-time control over your finances while ensuring they remain safe. Experience the future of banking today with Vystar!

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 want to assure you that your financial well-being is our top priority. 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, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $91,613 in used auto loans and a total of $10,061,804,065 in loans and leases. Our operational efficiency is reflected in 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 7000 Powers Ave Jacksonville Fl 32217 or call 904-908-2307 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

Additional Services

For business owners seeking growth opportunities, our outstanding commercial loans totaling $880,089,420 provide the capital needed to expand your operations. Plus, if you're interested in refinancing any of your existing loans or would like to discuss eligibility options for our various loan products, our team is here to assist you. For more information about our offerings or to apply for a loan today, feel free to contact us at 904-908-2307. You can also visit us at 7000 Powers Ave Jacksonville Fl 32217. We're dedicated to serving you and look forward to being part of your financial journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 for both new and used vehicles, ensuring that you can find the right solution whether you're purchasing a brand-new model or a reliable pre-owned vehicle.

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 terms and competitive rates that allow you to invest in your future without unnecessary stress.

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 provide an easy way to handle unexpected expenses while enjoying rewards and benefits.

Loan Aggregator

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Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans