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

Introduction

Welcome to Vystar, your trusted financial partner located at 686 Commerce Center Dr, Jacksonville, FL 32225. Since opening our doors in 1952, we've been dedicated to serving our community with a commitment to excellence and reliability. With nearly 1 million members and assets exceeding $14.7 billion, we pride ourselves on providing personalized banking services that truly make a difference in the lives of those we serve. At Vystar, we understand that financial needs vary from person to person. That's why we offer a wide range of services tailored just for you whether you're looking for checking and savings accounts, auto loans, mortgage options, or business banking solutions. Our total deposits amount to an impressive $975 million, reflecting the trust our members place in us every day. Under the leadership of our CEO, Brian Wolfburg, and Board President, Phillip (Kem) Siddons, we prioritize your financial well-being above all else. Our dedicated team of over 2,300 employees is here to assist you in achieving your financial goals. We believe in empowering our members with the knowledge and tools they need to thrive financially. While members can visit us at 686 Commerce Center Dr, official correspondence should be sent to the same address for your convenience. If you have any questions or would like to learn more about how we can help you, don't hesitate to reach out! You can contact us at (904) 908-2836 during our lobby 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. Explore more about what Vystar has to offer by visiting our website at vystarcu.org. Join us as we continue our mission of building a brighter financial future together!

Branch History & Mission

Community Engagement

Our commitment goes beyond just banking; we actively engage with the Jacksonville community through various outreach programs and partnerships aimed at uplifting those around us. We believe in giving back and making a difference where it matters most. While members can visit us at 686 Commerce Center Dr, official correspondence should be sent to the same address as our mailing address: 686 Commerce Center Dr, Jacksonville, FL 32225. In conclusion, if you're looking for a financial institution that prioritizes your needs and values community spirit, look no further than Vystar. Join us today and discover the many benefits of being part of a credit union dedicated to your success! For more information or assistance, feel free to contact us at 904-908-2836 or visit us online at Vystar.

Our Mission

At Vystar, our mission is clear: we strive to deliver exceptional financial services while empowering our members and supporting our community. We believe that everyone deserves access to fair and affordable financial solutions. Our range of offerings includes personal banking products like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. We also provide robust business banking options to support local entrepreneurs. We understand the importance of staying connected with our members in today's digital world. That's why we offer online and mobile banking services that make managing finances easier than ever. Whether you prefer visiting us during our operating hours Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, or Saturday from 9 AM to 1 PM or utilizing our ATM services available at the branch, Vystar is here for you.

Branch Location & Accessibility

A Warm Invitation

We invite you to come by and see what Vystar has to offer. If you have any questions or want more information about our services before your visit, feel free to call us at 904-908-2836. We're excited to help you with all your banking needs!

Convenient Access and Parking

Our branch is designed with convenience in mind. We offer ample parking so that you can get in and out quickly. Plus, our facility is ADA compliant, ensuring that everyone has easy access to our services. Whether you need help with personal banking or business solutions, our friendly staff is here to assist you.

Operating Hours That Fit Your Schedule

At Vystar, we understand that life can get busy. That's why we offer flexible operating hours! You can visit us Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. We're here when you need us!

Services Tailored for You

We provide a wide range of services tailored to meet your needs, including checking and savings accounts, auto loans and vehicle financing, mortgage loans, personal loans, credit cards with rewards, and even business banking options. Plus, our ATM is available for those quick cash withdrawals or balance checks outside of regular hours.

Member Eligibility

At Vystar, we believe that everyone deserves a financial partner who truly cares. Becoming a member is not just about opening an account; it's about joining a community that supports you in your financial journey. If you're curious about eligibility, here's the good news: membership is open to anyone who lives, works, worships, or attends school in our local area. Whether you're looking for personal banking solutions, auto loans, or credit cards with rewards, we have something for everyone. To learn more about specific requirements and how easy it is to become part of our family, feel free to visit our eligibility page at . You can also reach out to us directly at (904) 908-2836 if you have any questions or need assistance. We're excited to welcome you into the Vystar community!

Business Banking & Commercial Services

Business Loans to Support Your Vision

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 That Make Life Easier

Imagine processing payments quickly and securely while focusing on what you do best running your business. Our merchant services are designed with you in mind, enabling fast transactions so you can serve your customers efficiently. Whether it's credit card processing or mobile payment solutions, we've got you covered. If you're ready to take your business to the next level, visit us at 686 Commerce Center Dr Jacksonville Fl 32225, Jacksonville, FL or call us at (904) 908-2836 to learn more about how we can help you thrive!

Comprehensive List Of Services

Business Banking

For our entrepreneurial members, we provide comprehensive Business Banking solutions. From Merchant Services that simplify payment processing to flexible Business Loans that help you grow and expand, we're here to support your business journey every step of the way.

Credit and Loans

Sometimes life throws unexpected expenses your way. That's where our Personal Loans & Debt Consolidation services can help ease your financial stress. And if you're looking to earn rewards while spending, check out our Credit Cards with Rewards, offering benefits that enhance your purchasing power.

Online and Mobile Banking

In today's fast-paced world, convenience is key. Our Online & Mobile Banking platforms allow you to access your accounts anytime, anywhere. With features like mobile payments, e-statements, and person-to-person transfers, managing your finances has never been easier. Plus, our ATM & Cash Withdrawal Services ensure that you have quick access to cash whenever you need it. At Vystar, we understand that each member's financial journey is unique. That's why we're dedicated to offering personalized service and innovative tools designed for your success. Ready to explore how we can help you achieve your financial goals? Give us a call at (904) 908-2836, visit us at 686 Commerce Center Dr Jacksonville Fl 32225, or check out our website at https://www.vystarcu.org for more information on all our services!

Personal Banking

Starting with personal banking, we offer various Checking & Savings Accounts designed to help you manage your day-to-day finances effectively. If you're considering a new vehicle, our Auto Loans & Vehicle Financing options make it easy for you to drive away with the car of your dreams. For those looking to purchase a home or refinance an existing mortgage, our Mortgage Loans & Refinancing solutions are tailored to fit your budget and lifestyle.

Digital & Online Banking

Key Features for Your Convenience

We know how important it is to stay connected with your finances in real-time. With features like person-to-person transfers, sending money to friends or family has never been easier. Need to sign a document quickly? Our electronic signature authorization allows you to complete transactions without the hassle of printing and mailing forms. If you prefer going paperless, take advantage of our e-statements. You can easily view and download your statements whenever you need them, helping you stay organized while contributing to a greener planet. For those who are always on the go, our mobile application brings the bank right into your pocket. You can make mobile payments and manage your accounts seamlessly from your smartphone. It's all about making banking simpler and more accessible for you.

Security You Can Trust

At Vystar, we prioritize your security. Our online services are equipped with robust security measures to protect your personal information. This way, you can enjoy peace of mind while managing your financial needs from the comfort of home or wherever life takes you. In summary, our digital and online banking options reflect our commitment to providing you with accessible, user-friendly tools that fit into your lifestyle. Explore more about these features today by visiting https://www.vystarcu.org!

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 the importance of building trust, which is why we maintain a strong financial foundation to support your needs. 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 is robust; we have $91,613 in used auto loans and a total of $10,061,804,065 in loans and leases, supporting members' financial goals across various sectors. 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. Additionally, the funds available for lending and investments stand at $72,607,517. Total Share and Deposit 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 686 Commerce Center Dr Jacksonville Fl 32225 or call 904-908-2836 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 flexible terms to fit your budget and make it easier than ever to drive away with the vehicle you want.

Business Loans

For business owners, our outstanding commercial loans totaling $880,089,420 provide the capital needed to grow and expand your business. We understand that running a business comes with its own set of challenges and are committed to providing tailored financing solutions.

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 offer competitive rates and personalized service to help guide you through every step of the process.

Refinancing Options

If you're considering refinancing any existing loans or mortgages for better terms or rates, we can assist you with that too! We encourage you to reach out and discuss your specific situation so we can explore the best options available for you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. For more information on our loan offerings or to speak with one of our representatives about eligibility options, please call us at 904-908-2836. We're here to help you navigate your financial journey!

Unsecured Credit Cards

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, our credit cards come with rewards and no hidden fees. Whether you're looking to consolidate debt or just need a little extra cash for unexpected expenses, our credit card solutions are here for you.

Loan Aggregator

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Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans