VyStar Credit Union Jacksonville FL: Affordable Auto Loans & Business Banking

Introduction

Welcome to Vystar, your trusted financial partner located at 10903 Baymeadows Rd, Jacksonville, FL 32256. Since our establishment in 1952, we have been dedicated to serving the needs of our community and providing top-notch financial solutions. With a robust membership base of 997,469 members, we understand the importance of personalized service and financial wellness. At Vystar, we pride ourselves on our impressive total assets of $14,746,180,513, which allow us to offer competitive rates and diverse products tailored to meet your unique needs. Our commitment to you goes beyond just banking; we are here to support your dreams with various services including auto loans, mortgages, personal loans, and business banking options. Our leadership team is committed to ensuring that you receive exceptional service every time you visit. Under the guidance of our CEO, Brian Wolfburg, and Board President Phillip (Kem) Siddons, we strive to foster a welcoming environment where your financial goals can be realized. With 2,321 employees ready to assist you, we ensure that help is always just a phone call away at 904-594-5551. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be directed to the same address: 10903 Baymeadows Rd, Jacksonville, FL 32256. As a member-focused credit union, we maintain a strong commitment to our community and prioritize giving back through various initiatives. With over $975,513,063 in total deposits and a net worth of $1,298,248,326, we are well-equipped to support not only our members but also local businesses through loans totaling 497,479. Join us today at Vystar for a fulfilling banking experience that puts you first. Whether you're looking for savings options or seeking advice on loans and investments, we're here for you every step of the way. Visit our website at Vystar Credit Union or give us a call. Your financial journey starts here!

Branch History & Mission

Community Engagement

Vystar thrives on partnerships with local organizations that share our vision for community enhancement. Our efforts include sponsoring educational programs and participating in charitable events that uplift those around us. We're committed not only to your financial success but also to creating a supportive environment where every member can thrive. As we look ahead, we remain focused on advancing digital banking solutions such as online banking and mobile payments while ensuring that personal service remains at the heart of what we do. We invite you to join us on this journey! Experience the benefits of being part of a credit union that truly cares about its members and the community. Whether you're looking for personal banking services or business solutions, Vystar is here for you. Connect with us today at 904-594-5551 or visit us online at Vystar Credit Union. Together, let's build a brighter financial future!

Our Journey

Located at 10903 Baymeadows Rd, Jacksonville, FL 32256, Vystar has witnessed significant milestones throughout its history. Initially founded to provide accessible financial services to our members, we have continually adapted and expanded our offerings. From personal banking products like checking and savings accounts to auto loans and business financing solutions, we are dedicated to meeting the diverse financial needs of individuals and businesses alike. Our branch is not just about numbers; it's about people. We recognize that each member has unique goals and challenges. Our team is here to offer personalized support, whether you need help with a mortgage or advice on managing debt. With operating hours from Monday to Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM, we're always ready to assist you.

Our Mission

At Vystar, our mission goes beyond providing quality financial products; it is about making a positive impact in our community. We believe in empowering individuals through education and resources that promote financial literacy and well-being. This commitment extends beyond banking services as we actively participate in local outreach initiatives that strengthen our neighborhoods. While members can visit us at 10903 Baymeadows Rd for their banking needs, official correspondence should be sent to the same address. We are proud of our ADA-compliant facilities, ensuring everyone can access our services comfortably.

Branch Location & Accessibility

Accessibility and Features

At Vystar, we pride ourselves on being accessible to all our members. Our branch is ADA compliant, featuring ramps and designated spaces for those who need them. Plus, if you're on the go, we have a convenient drive-thru banking option that allows you to complete simple transactions without leaving your vehicle.

Convenient Location

Nestled in the vibrant Baymeadows area, our location is easy to reach and close to several well-known landmarks. If you're near the Baymeadows Shopping Center or just a short drive from I-295, popping in to see us is a breeze. We also offer ample parking to ensure your visit is hassle-free.

Get in Touch!

Have questions? Feel free to give us a call at 904-594-5551 or stop by the branch we would love to help you! At Vystar, we believe in building lasting relationships with our members while providing top-notch financial services tailored just for you. Come visit us today!

Operating Hours and Services

We understand that life can get busy. That's why our lobby hours are designed with your schedule in mind: we're open Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. During these hours, our dedicated team is ready to assist you with a range of services including personal banking, auto loans, mortgage options, and much more. If you're looking for 24/7 access to cash, don't worry! Our ATM is available on-site for your convenience. While members can visit us at 10903 Baymeadows Rd Jacksonville Fl 32256, official correspondence should be sent to our mailing address at 10903 Baymeadows Rd, Jacksonville, FL 32256.

Member Eligibility

At Vystar, we believe that everyone deserves a place to belong, and becoming a member is your first step into a warm and welcoming community. If you're looking to join us, you'll be pleased to know that eligibility is quite simple! We welcome individuals who live, work, or worship in our service areas, as well as their family members. This means if you're connected to our vibrant community, you can enjoy the benefits of membership, including lower loan rates and personalized service. For more specific details about eligibility criteria, feel free to check out our website at . Opening an account at Vystar is an easy process designed with you in mind. Just give us a call at (904) 594-5551 or visit us at our convenient location: 10903 Baymeadows Rd Jacksonville Fl 32256. Our friendly team is ready to assist you every step of the way. Join us today and experience the many advantages of being part of Vystar!

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

In addition to loans, we offer comprehensive merchant services designed to streamline your transactions. Imagine being able to accept payments from customers seamlessly, whether they're using cards or mobile wallets. Our services help you manage sales effectively, allowing you to focus on what you do best growing your business. Visit us at 10903 Baymeadows Rd Jacksonville Fl 32256 in Jacksonville, FL, or call us at (904) 594-5551 to learn how we can help your business thrive!

Comprehensive List Of Services

Business Banking

For our business members, we understand the unique challenges you face. Our business banking solutions include merchant services and business loans designed to help your company thrive. We are committed to supporting local businesses by providing the resources they need to grow and succeed.

Convenient Banking Options

In today's fast-paced world, convenience is key. That's why Vystar offers robust online and mobile banking features. You can manage your accounts anytime, anywhere whether it's checking your balance or transferring funds between accounts with just a few taps on your smartphone. Our ATM services allow for easy cash withdrawals and balance checks without any hassle. If you prefer face-to-face interactions, our drive-thru service provides quick access for deposits and simple transactions without leaving your car. This way, even on busy days, banking remains accessible. We invite you to explore all that Vystar has to offer. With dedicated staff ready to assist you at every step, we ensure that your experience is both positive and rewarding. Ready to learn more? Feel free to reach out at (904) 594-5551 or visit us online at https://www.vystarcu.org. We look forward to helping you achieve your financial goals!

Personal Banking

Our personal banking services include everything from checking and savings accounts to auto loans and vehicle financing. Imagine having a reliable partner as you make important financial decisions; that's what we're here for! With flexible auto loans, you can hit the road in no time, knowing that you're getting competitive rates. We also offer mortgage loans and refinancing options for those ready to purchase their dream home or improve their current living situation. In addition, our personal loans can assist you with debt consolidation or unexpected expenses, giving you peace of mind when it matters most. Plus, don't forget about our credit cards with rewards perfect for earning benefits while making everyday purchases!

Digital & Online Banking

Key Services Available

Our online banking platform at https://www.vystarcu.org offers a range of features tailored to fit your busy lifestyle. Whether you're at home or on the go, you can enjoy 24/7 online banking services, allowing you to check balances, review transactions, and manage your accounts whenever it suits you. Need to send money to a friend? With our person-to-person transfers, sending cash is quick and simple. Plus, our mobile application makes banking even more accessible. You can download it to your smartphone and handle all your banking needs right from the palm of your hand.

Security and Convenience

We prioritize your security with advanced measures that keep your information safe while you bank online. You can also use electronic signature authorization for certain transactions, adding an extra layer of convenience without compromising security. For those who prefer going paperless, we offer e-statements. This feature allows you to receive your account statements electronically, making it easier to stay organized and reduce clutter. Additionally, if you're interested in modern payment options, our mobile payments feature enables you to make purchases directly from your phone no wallet needed! In short, Vystar is here to support you with user-friendly digital banking services that put you in control. Explore all we have to offer by visiting https://www.vystarcu.org today!

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 committed to ensuring that your finances are in safe hands. 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 $10,061,804,065 in total loans and leases. Our $0 reflects our operational efficiency, 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, committed team. Net Shares (Funds available for lending and investments): $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 10903 Baymeadows Rd Jacksonville Fl 32256 or call (904) 594-5551 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. Whether you're financing a brand-new model or a reliable used car, we have options that fit your budget.

Business Loans

For business owners looking for growth opportunities, our outstanding commercial loans totaling $880,089,420 provide the capital needed to expand your operations. We understand that businesses need support during their growth phases and are here to assist.

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, which can help you secure the home of your dreams while keeping your finances in check.

Personal Loans and Credit Lines

We also provide flexible options for personal loans and credit lines totaling $6,811,855,194. These products can help you manage various expenses like home renovations or debt consolidation. Plus, our unsecured credit card loans amounting to $680,082,195 give you the freedom to shop while managing your finances effectively.

Refinancing Options

If you're considering refinancing any existing loans for better terms or lower rates, our team is here to guide you through the process. We'll work with you to explore eligibility options and find the best solution tailored to your needs. For more information about our loan offerings at Vystar located at 10903 Baymeadows Rd Jacksonville Fl 32256, feel free to reach out to us at 904-594-5551. Our friendly staff is ready to assist you from Monday through Friday during lobby hours. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how Vystar can help meet your financial needs today!

Loan Aggregator

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Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans