VyStar Credit Union Jacksonville FL: Cheap Mortgage Refinance & Rewards Cards

Introduction

Welcome to Vystar, your trusted financial partner located at 1802 Kernan Blvd S, Jacksonville, FL 32246. Since our establishment in 1952, we have been committed to serving our community and supporting our members' financial journeys. With a total membership of 997,469, we pride ourselves on fostering a strong sense of community and trust. At Vystar, we understand that your financial needs are unique. That's why we offer a wide range of services including personal banking, auto loans, mortgage financing, and business banking solutions. Our total assets stand at an impressive $14,746,180,513, allowing us to provide robust support for your financial aspirations. Our dedicated team of 2,321 employees, led by CEO Brian Wolfburg and Board President Phillip Siddons, is here to ensure you receive personalized service every step of the way. Whether you're looking to open a checking account or need guidance on loans, our experts are ready to assist you. While members can visit us at our branch location, official correspondence should be sent to the same address: 1802 Kernan Blvd S, Jacksonville, FL 32246. We invite you to explore our website at vystarcu.org for more information about our services and how we can help you achieve your financial goals. Join us at Vystar today where your success is our priority! Feel free to call us at 904-594-5350 or stop by during our operating hours: Monday to Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Let's build a brighter financial future together!

Branch History & Mission

Community Focus

We take pride in our active role within the Jacksonville community. Through various outreach programs and partnerships with local organizations, we aim to uplift those around us. Whether it's hosting financial literacy workshops or supporting local events, Vystar is committed to giving back because we believe that strong communities lead to stronger futures.

Join Us

We invite you to become part of our growing family at Vystar. Experience firsthand how we prioritize your needs while fostering a sense of community that goes beyond banking. Together, let's build a brighter financial future! For more information or assistance, feel free to reach out at (904) 594-5350 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. Join us today at Vystar where your journey toward financial empowerment begins!

Modern Banking Solutions

As times change, so do we. Vystar embraces digital advancements while ensuring accessibility for everyone. Our services include online banking, mobile payments, and e-statements all designed with you in mind. We are dedicated to maintaining compliance with ADA standards to ensure all members can easily access our facilities and services. Our branch features convenient drive-thru banking and an ATM for quick transactions. While members can visit us at 1802 Kernan Blvd S, official correspondence should be sent to the same address as our mailing address: 1802 Kernan Blvd S, Jacksonville, FL 32246.

Our Journey

From humble beginnings over seven decades ago, Vystar has evolved significantly. Initially founded to serve a small group of dedicated individuals, we have expanded our reach to touch the lives of many families and businesses in our area. Our commitment to providing personalized financial services has remained steadfast throughout this journey. Today, our branch is not just a place for transactions; it's a community hub where members gather for support and guidance.

Our Mission

At Vystar, our mission is clear: we strive to empower individuals and strengthen communities through innovative financial solutions and exceptional service. We understand that each member's financial needs are unique, which is why we offer a wide range of products from personal banking options like checking and savings accounts to auto loans and mortgages. Our goal is to make banking accessible while also enhancing the overall quality of life for those we serve.

Branch Location & Accessibility

Easy to Find and Access

Located in Duval County, our branch sits conveniently near several local landmarks, making it easy for you to pop in. If you're coming from the nearby shopping centers or residential areas, you'll find ample parking available right outside our doors. Plus, our facility is designed with accessibility in mind, featuring ADA-compliant entrances and ramps to ensure everyone can visit us comfortably.

Operating Hours That Fit Your Schedule

We understand that life can be busy, which is why we offer flexible hours to serve you better. Our lobby is open Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Whether you need assistance during the week or on the weekend, we've got you covered!

Reach Out Today!

Have questions or need more information? Don't hesitate to call us at 904-594-5350. We're always here to help! Stop by today and see how Vystar can support your financial journey in Jacksonville.

Services Designed for You

At Vystar, we provide a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, our team is ready to help you navigate your options. We also offer convenient ATM services and drive-thru banking for quick transactions without leaving your car. While members can visit us at 1802 Kernan Blvd S Jacksonville Fl 32246, official correspondence should be sent to the same address: 1802 Kernan Blvd S, Jacksonville, FL 32246.

Member Eligibility

At Vystar, we believe that becoming a member means joining a warm, welcoming community where your financial well-being is our top priority. If you're looking to join us at our branch located at 1802 Kernan Blvd S Jacksonville Fl 32246, we're excited to share that the eligibility criteria are designed to be inclusive and straightforward. Generally, anyone who lives or works in the area can apply for membership. Whether you're opening your first account, seeking financing options, or simply wanting to explore better banking solutions, we're here to support you every step of the way. To get started on your journey with us, just give us a call at (904) 594-5350 or stop by during our convenient hours. You can also find more detailed information about membership eligibility by visiting our website at . We can't wait to welcome you into the Vystar family!

Business Banking & Commercial Services

Business 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

But it's not just about loans; we offer merchant services that help you manage daily transactions seamlessly. Imagine being able to accept payments easily from customers while keeping track of your sales all designed to save you time and enhance your cash flow. At Vystar, we're here to help you thrive, offering tailored solutions that fit the unique needs of your business. Explore how our business banking and commercial services at 1802 Kernan Blvd S Jacksonville Fl 32246, Jacksonville, FL can empower your business today! Call us at (904) 594-5350 for more information.

Comprehensive List Of Services

ATM and Drive-Thru Access

Need cash quickly? Our branch provides easy access with an ATM on-site where you can withdraw cash or check your balance. If you prefer face-to-face interaction but want the convenience of quick transactions, take advantage of our basic drive-thru banking, where you can handle deposits, withdrawals, and other simple transactions without leaving your vehicle. At Vystar in Jacksonville, FL, we strive to make banking accessible and efficient for all our members. Whether you're stopping by for personal banking or seeking support for your business needs, our friendly staff is here to assist you. Feel free to reach out to us at 904-594-5350 or visit us online at Vystar for more information about how we can support your financial journey!

Business Banking Services

For small business owners, Vystar offers essential resources through our business banking services. From merchant services that help you process payments smoothly to business loans designed for growth, we understand what it takes to run a successful venture.

Convenient Digital Banking

Embracing modern technology, we prioritize your convenience through our online and mobile banking platforms. With features like mobile payments and person-to-person transfers, managing your finances on-the-go is simple and secure. You can easily check balances, transfer funds, or pay bills from anywhere at any time.

Personal Banking Solutions

Managing your finances has never been easier with our personal banking options. We offer various checking and savings accounts to help you keep track of your money while earning interest. If you're in the market for a new car, our auto loans and vehicle financing can get you behind the wheel without breaking the bank. For those looking to purchase a home or refinance an existing mortgage, our competitive mortgage loans make it straightforward and affordable. In addition, if you're dealing with debt or planning a big purchase, our personal loans and debt consolidation services provide flexible solutions to fit your budget. Plus, with our credit cards with rewards, every purchase can earn you points towards something special.

Digital & Online Banking

At Vystar, we understand that convenience and security are key when it comes to managing your finances. That's why we offer a range of digital and online banking services designed to make your banking experience as smooth as possible, whether you're at home or on the go. One of our standout features is our robust online banking platform, accessible anytime at https://www.vystarcu.org. With 24/7 online banking services, you can check your account balance, pay bills, and transfer funds whenever it suits you no need to wait for branch hours. This means real-time access to your accounts right at your fingertips. Our mobile application is designed with you in mind. You can easily manage your accounts, deposit checks, and even make mobile payments with just a few taps on your smartphone. Plus, if you ever need to send money to friends or family, our person-to-person transfer feature makes it simple and quick. Security is always a priority at Vystar. We use electronic signature authorization for transactions, ensuring that your sensitive information stays safe. And with e-statements available, you can opt for paperless billing that not only protects the environment but also keeps all your financial documents organized and easily accessible. We believe that modern banking should be easy and hassle-free. Our user-friendly tools empower you to take control of your finances while enjoying peace of mind. Whether you're checking balances or making payments, our digital services are here to help you manage your money effectively from anywhere!

Financial Strength

Growing Trust

Total Share and Deposit Accounts: 2,036,011, showing a strong and growing member base that trusts us with their finances. Additionally, net shares available for lending and investments stand at $72,607,517, further solidifying our position as a reliable partner for your financial needs. 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 1802 Kernan Blvd S Jacksonville Fl 32246 or call (904) 594-5350 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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.

Operational Efficiency

Our operational efficiency is highlighted by our $0, which enables 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.

Reinvestment for Growth

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 commitment to growth is reflected in our lending capacity; with $91,613 in used auto loans and $10,061,804,065 in total loans and leases, we support members' financial goals across various sectors.

Solid Financial Position

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. We have already issued over $1,313,138,601 in new vehicle loans and $1,727,078,927 in used vehicle loans. This means that many of our members are hitting the road with reliable financing.

Credit Lines and Unsecured Credit Cards

For those looking for flexibility in managing finances, we offer substantial credit line loans amounting to $6,811,855,194. Additionally, our unsecured credit card loans total $680,082,195, giving members access to convenient purchasing power when they need it most.

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 are committed to helping you navigate the process smoothly.

Refinancing Options

If you're considering refinancing any of these loans or exploring eligibility options tailored to your situation, please don't hesitate to reach out. Our experienced team is ready to assist you through every step. To learn more about our loan offerings or if you have any questions about eligibility requirements and how we can assist you further, feel free to call us at 904-594-5350. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you achieve your financial dreams!

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Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans