VyStar Credit Union Jacksonville FL: Low Mortgage Rates & Rewards Cards

Introduction

Welcome to Vystar, your trusted partner in financial well-being located at 8263 Philips Hwy, Jacksonville, FL 32256. Established in 1952, we have proudly served our community for over seven decades, building a strong foundation of trust and commitment with our members. With a total membership of 997,469, Vystar is dedicated to providing personalized banking services that meet the unique needs of our diverse community. At Vystar, we understand that financial decisions can be overwhelming. That's why our friendly team is here to help you navigate everything from personal banking and auto loans to business financing. Our total assets amount to an impressive $14,746,180,513, ensuring that we have the resources needed to support you on your financial journey. With total deposits reaching $975,513,063 and a net worth of $1,298,248,326, we are well-positioned to offer competitive rates and reliable services. Led by CEO Brian Wolfburg and Board President Phillip Siddons, our team of 2,321 employees is committed to fostering a welcoming environment where your financial goals can flourish. Whether you're looking for checking and savings accounts or exploring options for loans and credit cards with rewards, we have something tailored just for you. While members can visit us at our branch location, official correspondence should be sent to 8263 Phillips Hwy, Jacksonville, FL 32256-8201. For any inquiries or assistance, don't hesitate to reach out at 904-908-2880 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 at Vystar as we work together towards achieving your financial dreams. Visit our website at www.vystarcu.org today!

Branch History & Mission

Community First

While members can visit us at 8263 Philips Hwy, official correspondence should be sent to our mailing address: 8263 Phillips Hwy, Jacksonville, FL 32256-8201. Our branch operates with extended 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 to accommodate your busy schedule. We proudly offer drive-thru banking services for quick transactions along with ATM availability for added convenience. At Vystar, we're here not just as your financial partner but as your neighbor in Jacksonville committed to your success. We invite you to join us on this journey become part of the Vystar family today! Experience firsthand how we can help you achieve your financial dreams while building a brighter future together. Call us at 904-908-2880 or visit us online at Vystar for more information on becoming a member.

Mission Statement

At Vystar, our mission is clear: to improve the financial lives of our members while enhancing the communities we serve. We believe that everyone deserves access to quality financial services without barriers. That's why we offer a wide range of products, from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. With digital advancements such as online banking and mobile payments, we ensure that accessing your money is easy and convenient. Additionally, our commitment to ADA compliance means that all members can access our services without difficulty.

Our Journey

Vystar's journey began with a simple mission: to provide accessible financial solutions that empower our members and support their goals. Over the decades, we have adapted to meet the changing needs of our community while staying true to our core values of integrity and service. With total assets exceeding $14.7 billion, we have built a strong foundation that allows us to offer competitive rates on loans and savings accounts. Our branch is not just a place for transactions; it's a hub for community connection. We are deeply involved in local outreach programs, supporting initiatives that foster education, health, and well-being in Jacksonville. Our partnerships with local organizations highlight our commitment to giving back and making a positive impact.

Branch Location & Accessibility

Welcome to Vystar, your friendly neighborhood credit union located at 8263 Philips Hwy in Jacksonville, FL! Our branch is conveniently situated near key local landmarks, making it easy for you to stop by and take care of your banking needs. Whether you're heading home from work or running errands in the area, we're here to help. At Vystar, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring everyone can easily access our services. You'll find ample parking available right outside, so you won't have to worry about finding a spot when you visit us. We know your time is valuable, which is why we offer flexible operating hours. You can come see 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. Our friendly staff is always ready to assist you with a wide range of services, including checking and savings accounts, auto loans, mortgage options, personal loans, and more. For your convenience, we also provide drive-thru banking for quick deposits and withdrawals without having to leave your car. If you prefer ATM services, rest assured that we have an ATM available for easy cash access and balance inquiries. If you need to send us any official correspondence, please note that while our branch address is 8263 Philips Hwy, official mail should be directed to our mailing address at 8263 Phillips Hwy, Jacksonville, FL 32256-8201. Ready to get started? Feel free to give us a call at 904-908-2880 or drop by our branch today! We look forward to serving you at Vystar!

Member Eligibility

At Vystar, we believe that becoming a member is like joining a caring family that supports your financial journey. To become part of our vibrant community, you'll find that eligibility is both straightforward and welcoming. If you live, work, worship, or attend school in the area, you're likely already qualified! We encourage you to check out the details on our website for the most current eligibility criteria at . The process is designed to be simple and inclusive because we want everyone to experience the benefits of membership. Once you're ready to open an account, it's easy to get started! You can visit us at 8263 Philips Hwy Jacksonville Fl 32256 or give us a call at (904) 908-2880 for any questions. Our team is here to help you every step of the way as you unlock all the advantages of being part of Vystar. Don't hesitate take that first step towards better banking today!

Business Banking & Commercial Services

At Vystar, we understand that every business has unique needs and aspirations. Whether you're starting a new venture or looking to expand an existing one, our tailored business banking solutions can help you reach your goals. Imagine securing the right financing to upgrade your equipment or launch a marketing campaign that takes your business to the next level. 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. Additionally, our merchant services are designed to simplify daily operations. Picture accepting payments effortlessly whether through credit cards or mobile wallets enabling you to focus on what you do best: running your business. Located at 8263 Philips Hwy Jacksonville Fl 32256, Jacksonville, FL 32,256, our team is ready to partner with you on your journey to success. For more information, give us a call at (904) 908-2880!

Comprehensive List Of Services

Business Banking

If you're a business owner, we understand that managing finances can be challenging. That's why we offer comprehensive business banking services including merchant services and business loans tailored specifically for your needs. We're committed to supporting local businesses because when they thrive, our community thrives.

Convenience at Your Fingertips

In today's fast-paced world, convenience is key. At Vystar, we provide robust online and mobile banking features so you can handle transactions on-the-go. From checking balances to transferring funds or making payments, everything is just a click away. Our ATM services ensure that you have easy access to cash whenever you need it, while our basic drive-thru banking allows for quick deposits and withdrawals without ever having to leave your car. We invite you to explore all the services available at Vystar by calling us at (904) 908-2880 or visiting us online at https://www.vystarcu.org. Whether you're an individual looking for personal finance solutions or a business aiming for growth, we're here to help make your financial goals a reality!

Credit Cards and Personal Loans

Looking for some extra cash? Our personal loans are perfect for debt consolidation or unexpected expenses. Plus, with our credit cards with rewards, you can earn points for everyday purchases that can be redeemed for travel, merchandise, or cash back. It's a smart way to manage your spending while reaping benefits.

Personal Banking

Our personal banking services are tailored to help you manage your finances with ease. We offer checking and savings accounts that come with features such as online banking and mobile access, ensuring that you can monitor your money anytime and anywhere. If you're considering purchasing a vehicle, our auto loans and vehicle financing options will help you hit the road without breaking the bank. For those dreaming of home ownership or needing to refinance, our mortgage loans and refinancing solutions are here to guide you through every step of the process.

Digital & Online Banking

Access Anytime, Anywhere

Whether you're at home or on the go, our mobile payments feature allows you to make purchases with ease. No more digging through your wallet just use your phone! And if you prefer traditional banking methods, our drive-thru service remains available for quick transactions. Embrace the ease of real-time account management with Vystar's digital and online banking services. We're here to support your financial journey every step of the way! For more information or to get started today, visit us at https://www.vystarcu.org.

Key Features for Your Convenience

Our online banking platform allows you to perform essential tasks like checking balances, transferring funds, and paying bills without ever stepping into a branch. Need to send money to a friend? Our person-to-person transfer feature makes it easy. Plus, with our mobile application, available for download, you can manage your finances right from your smartphone. Security is a top priority for us at Vystar. Our services include electronic signature authorization, ensuring that your transactions are not only quick but also secure. You can rest easy knowing that your information is protected while enjoying the convenience of e-statements. Say goodbye to paper clutter; with e-statements available, you'll have instant access to your financial documents right at your fingertips.

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 are proud to share our strong financial standing, which is designed to support our members' needs today and in the future. Sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results, our financial data highlights our commitment to serving you effectively. 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. This stability is reinforced by our impressive net worth ratio of 895, demonstrating a solid capital foundation that ensures 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 growth is evident with $910,485,545 in undivided earnings, which allows us to reinvest in innovative banking tools and stronger lending options. Additionally, with $91,613 in used auto loans and a total of $10,061,804,065 in loans and leases, we support our members' financial goals across various sectors. Our operational efficiency shines through with a reported net income of $0, ensuring that we can continue offering competitive loan rates and solid financial products for our members. Furthermore, we 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 team. Net Shares (Funds available for lending and investments): $72,607,517. Total Share Accounts stand at an impressive 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 8263 Philips Hwy Jacksonville Fl 32256 or call 904-908-2880 to learn more about how we can help you achieve your financial goals.

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 and competitive interest rates for both new and used vehicles. Plus, if you're considering refinancing your current auto loan for better rates or terms, we can help with that too!

Business Loans

For business owners seeking capital to grow and expand their operations, our outstanding commercial loans total $880,089,420. We understand the unique challenges faced by businesses today and are committed to providing tailored solutions that meet your specific needs. At Vystar Credit Union in Jacksonville, we pride ourselves on being a member-focused institution dedicated to offering transparent and accessible financial solutions. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. If you have any questions or want to learn more about how our loan products can benefit you today, feel free to reach out at 904-908-2880. We're here to help!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $701,523,958, giving you the opportunity to secure your dream home without stress. Our team is here to guide you through each step of the process.

Personal Financing

In addition to auto and mortgage loans, we offer unsecured credit card loans totaling $680,082,195. These loans come with flexible terms that help members manage their finances effectively. Whether it's for emergencies or everyday purchases, our credit card options give you the freedom to spend wisely.

Loan Aggregator

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Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans