VyStar Credit Union Jacksonville FL: Quick Personal Loans & Checking Accounts

Introduction

Welcome to Vystar, your trusted partner in financial wellness, located at 13680 Old Saint Augustine Rd, Jacksonville, FL 32258. Since our establishment in 1952, we have proudly served our community with a commitment to putting members first. With nearly 1 million members and total assets exceeding $14.7 billion, Vystar stands as a beacon of reliability and support in the world of banking. At Vystar, we understand that each member has unique needs. That's why we offer a wide range of services from personal banking accounts to auto loans and business financing solutions. Our total deposits amount to an impressive $975.5 million, ensuring we have the resources to support your financial goals. With a net worth of $1.3 billion and cash on hand totaling $150.9 million, you can trust that your money is in safe hands. Led by our dedicated CEO, Brian Wolfburg, and Board President, Phillip (Kem) Siddons, our team is here to provide personalized service tailored just for you. We are proud of our workforce of over 2,300 employees, all striving to create a welcoming environment for every member who walks through our doors. While you can always reach us directly at 904-420-5260 for any inquiries or assistance, we invite you to explore our website at vystarcu.org for more information about our products and services. Whether you're looking to open an account, apply for a loan, or simply learn more about what we can do for you, we're here to help. We look forward to serving you at Vystar where your financial success is our priority!

Branch History & Mission

Join Us

As we look ahead, Vystar continues to embrace technology while maintaining personalized service. We offer online and mobile banking options that allow you to manage your finances anytime, anywhere. Whether you're looking for checking accounts, auto loans, mortgages, or credit cards with rewards, we have solutions tailored for your needs. We invite you to experience the Vystar difference firsthand. Join us today and become part of a community-focused credit union that puts you first! If you have any questions or would like more information about becoming a member, feel free to call us at 904-420-5260 or visit our website at Vystar. Together, let's build a brighter financial future!

Our Journey

Vystar started its journey with a vision: to empower individuals and families through accessible financial solutions. Over the years, we have expanded our offerings significantly, catering not just to personal banking needs but also to business services. Our branch at 13680 Old Saint Augustine Rd in Jacksonville is designed to provide convenience and support, featuring both ATM availability and drive-thru banking for quick transactions. As we developed, so did our dedication to community involvement. We believe that supporting local initiatives is essential for fostering a thriving environment. Our partnerships with various organizations allow us to contribute meaningfully to the neighborhoods we serve. From financial literacy programs to charitable events, Vystar remains committed to making a positive impact.

Our Mission

At Vystar, our mission is straightforward: we aim to enhance the lives of our members by providing comprehensive financial services that are both affordable and accessible. We focus on building lasting relationships based on trust and integrity, ensuring that every member feels valued and supported. Our operating hours reflect this commitment; we are open Monday through Thursday from 9 AM to 5 PM and Friday until 6 PM, making it easier for you to visit us when it's convenient for you. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 13680 Old Saint Augustine Rd, Jacksonville, FL 32258.

Branch Location & Accessibility

Accessibility Features

We prioritize making banking easy for all members. Our branch is ADA compliant, featuring ramps and other accessibility features to ensure everyone can access our services comfortably. There's ample parking available right outside the building, so you won't have to worry about finding a spot when you visit.

Call to Action

We invite you to come visit us at Vystar! Our dedicated team is ready to assist you with any questions or services you may need. Feel free to give us a call at 904-420-5260 or stop by during our business hours. Experience the welcoming atmosphere of Vystar where your financial goals are within reach!

Operating Hours

Vystar is open Monday through Thursday from 9 AM to 5 PM and extends our hours on Friday until 6 PM. We know life gets busy, so we aim to be here when you need us most.

Services Offered

At Vystar, we offer a wide range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we're here to support your financial journey. You can also enjoy the convenience of our drive-thru banking for quick deposits and withdrawals without leaving your car. Additionally, our ATM is always available for those who prefer self-service options. We understand that banking should fit into your life seamlessly.

Member Eligibility

Becoming a member of Vystar feels like joining a family where everyone is dedicated to your financial well-being. If you're curious about eligibility, you'll be pleased to know that joining is straightforward! Generally, membership is open to individuals who live, work, or worship in the communities we serve. This means if you're part of the vibrant community around us, you likely qualify! You can find all the specific eligibility details and any updates by visiting our website at . Once you're ready to join, opening an account is just as simple. You can start this process by giving us a call at (904) 420-5260 or visiting us directly at 13680 Old Saint Augustine Rd Jacksonville Fl 32258. Our team is here to help guide you every step of the way, ensuring that becoming part of Vystar is as smooth and welcoming as possible. We're excited to have you join our community!

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 merchant services designed to simplify transactions for business owners. Imagine having a reliable payment processing solution that allows your customers to pay easily whether in-store or online. Our services ensure you can focus on what you do best: growing your business. Visit us at 13680 Old Saint Augustine Rd Jacksonville Fl 32258, Jacksonville, FL, or call us at (904) 420-5260 to learn more about how our business banking and commercial services can help you achieve your goals!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about upgrading your vehicle? Our auto loans make it simple to drive away in the car you want. We offer competitive rates and flexible terms so you can find the financing that works best for your budget. Whether it's a brand-new model or a reliable used car, Vystar is here to assist you every step of the way.

Business Banking

For entrepreneurs and business owners in Jacksonville, Vystar offers business banking solutions including merchant services and business loans. We understand the challenges of running a business, which is why we provide tools and resources that support growth and success.

Convenient Access

Convenience is key in today's fast-paced world. That's why we also offer ATM services for cash withdrawals and balance checks without any hassle. If you prefer in-person assistance, our basic drive-thru banking service allows for easy deposits and withdrawals without leaving your vehicle. In conclusion, at Vystar, we're not just about transactions; we're about building relationships with our members by meeting their financial needs head-on. Ready to explore how we can assist you? Give us a call at 904-420-5260 or visit us online at vystarcu.org. Let's embark on this financial journey together!

Credit Cards with Rewards

With our credit cards featuring rewards programs, every purchase can bring you closer to exciting benefits. Whether it's cashback on groceries or travel perks for your next getaway, our cards are designed to reward you for spending wisely.

Mortgage Loans & Refinancing

When it comes to buying a home or refinancing an existing mortgage, we know how important it is to find the right fit. Our mortgage loans provide various options tailored to meet your unique situation. Picture finally owning your dream home our dedicated team will guide you through the process and help make that vision a reality.

Personal Banking

Our personal banking services include checking and savings accounts designed to suit different lifestyles. Imagine having an account that fits your needs perfectly; whether you're saving for a vacation or managing daily expenses, our accounts are flexible and user-friendly. Plus, with online and mobile banking options available, you can access your funds anytime and anywhere.

Personal Loans & Debt Consolidation

For those unexpected expenses or when life throws you a curveball, our personal loans can provide quick relief. If you're feeling overwhelmed by multiple debts, consider our debt consolidation services to simplify payments into one manageable loan. It's all about helping you regain control over your finances.

Digital & Online Banking

Key Services

With our online banking platform, available at https://www.vystarcu.org, you can check your account balances, pay bills, and transfer funds all from the comfort of your home or on the go. Plus, our 24/7 online banking services mean you never have to worry about being tied down to bank hours. Whether it's day or night, your financial management is just a click away.

Mobile Banking Features

Don't forget about our mobile application! With features like mobile payments, person-to-person transfers, and real-time alerts, managing your finances has never been simpler. Whether you're grabbing coffee or out shopping, you can easily send money to friends or make purchases with just a tap. Our commitment to ease-of-use means that even if you're not tech-savvy, you'll find navigating our digital services intuitive and straightforward. Join us at Vystar today and experience a new level of convenience in banking!

Security and Convenience

We take security seriously at Vystar. Our electronic signature authorization feature allows you to sign documents securely online, making transactions quick and hassle-free. You can also choose e-statements for added convenience no more paper clutter! Just access your statements anytime through our secure online portal.

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 providing a safe and reliable banking experience that meets your financial 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 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 operational efficiency is reflected in our net income of $0, which allows 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 Accounts: 2,036,011, showing a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. 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 13680 Old Saint Augustine Rd Jacksonville Fl 32258 or call 904-420-5260 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 also provide refinancing options for those looking to lower their monthly payments or secure better terms on existing auto loans.

Business Financing

For business owners, our outstanding commercial loans totaling $880,089,420 provide the capital needed to grow and expand. We understand that businesses have unique needs and work closely with entrepreneurs to find financing solutions that fit their goals. Whether it's an auto loan for your next vehicle or a mortgage for your dream home, Vystar is here to help you navigate your financial journey. For any questions or assistance regarding eligibility and refinancing options, feel free to reach out at 904-420-5260 or visit us at 13680 Old Saint Augustine Rd Jacksonville Fl 32258. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step towards achieving your financial aspirations!

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 various programs to fit different budgets and situations.

Personal Loans and Credit Lines

Need quick access to cash? Our unsecured credit card loans total $680,082,195, providing flexible terms that help our members manage their finances effectively. If you're interested in a personal loan or line of credit, we have options available to suit various needs.

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Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans