VyStar Credit Union Jacksonville FL: Best Auto Loans & Personal Banking

Introduction

Welcome to Vystar, your trusted partner in financial services located at 101 Bartram Oaks Walk, Jacksonville, FL 32259. Established in 1952, we have grown into a community pillar with a membership base of over 997,469 individuals who depend on us for their banking needs. Our commitment to providing exceptional service is reflected in our total assets of $14,746,180,513 and total deposits reaching $975,513,063. At Vystar, we take pride in offering a wide range of personal and business banking solutions, including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. With our experienced team of 2,321 employees, led by CEO Brian Wolfburg and Board President Phillip Siddons, we strive to create a welcoming environment where every member feels valued. While members can visit us at our branch location for all their banking needs, official correspondence should be directed to our mailing address at the same location: 101 Bartram Oaks Walk, Jacksonville, FL 32259. If you have questions or need assistance, don't hesitate to call us at 904-594-5428. Our dedication to serving our community goes beyond just numbers. We understand that each member's financial journey is unique. That's why we are here to support you every step of the way. Whether you're looking for guidance on loans or exploring ways to grow your savings, we're ready to assist. Explore more about what Vystar has to offer by visiting our website at vystarcu.org. Join us today and experience the difference of being part of a credit union that truly cares!

Branch History & Mission

Community Engagement

Vystar understands that true success comes from investing in our local communities. We actively participate in various outreach programs and partnerships designed to uplift those around us. Whether it's sponsoring local events or providing financial education workshops, we are committed to making a positive impact. Our dedication extends into the digital space as well; we offer online banking and mobile payment options so that managing finances is easier than ever for our members. Plus, we ensure all facilities comply with ADA standards so everyone can access our services comfortably. As we look ahead, we invite you to join our growing family at Vystar Credit Union. With nearly 997,469 members already enjoying the benefits of being part of our community-focused institution, there's no better time than now to experience what Vystar has to offer! Reach out today at 904-594-5428 or visit us online at Vystar. Together, let's build a brighter financial future!

Our Mission

At Vystar, our mission goes beyond just providing financial products. We strive to empower our members and enhance their quality of life through responsible lending and personalized service. Our goal is to build lasting relationships with each member while contributing positively to the communities we serve. Our operating hours are convenient for busy lives: Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. We are also proud to offer ATM availability for easy access to your funds anytime you need them. While members can visit us at 101 Bartram Oaks Walk, official correspondence should be sent to our mailing address at the same location: 101 Bartram Oaks Walk, Jacksonville, FL 32259.

Branch Location & Accessibility

Welcome to Vystar, your friendly neighborhood credit union located at 101 Bartram Oaks Walk in beautiful Jacksonville, Florida. Nestled in the heart of St. Johns County, our branch is conveniently situated near popular landmarks such as the Bartram Park and just a short drive from the scenic Julington Creek. Whether you're stopping by for personal banking or exploring our range of financial services, we're here to make your experience as smooth as possible. At Vystar, accessibility is important to us. Our branch features ADA-compliant entrances and ample parking, ensuring that everyone can visit us without hassle. While you can always reach out via phone at 904-594-5428, we invite you to come in during our welcoming hours: Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. If you need quick access to cash or banking services outside of our lobby hours, you're in luck! We offer ATM services on-site for your convenience. Unfortunately, we don't currently provide drive-thru banking or shared service center availability, but our dedicated staff is ready to assist you with all your financial needs inside the branch. While members can visit us at 101 Bartram Oaks Walk for all their banking needs, official correspondence should be sent to the same address for consistency. So why wait? Swing by Vystar today and let us help you with everything from checking and savings accounts to auto loans and mortgages. We look forward to serving you!

Member Eligibility

Becoming a member of Vystar means joining a community that truly cares about your financial well-being. To qualify for membership, you simply need to live, work, or worship in the areas we serve, or have a family member who is already a member. This welcoming approach makes it easy for anyone connected to our community to enjoy all the benefits we offer. As a member of Vystar, you gain access to personalized services, competitive rates, and a supportive environment designed to help you achieve your financial goals. If you're ready to take the next step, opening an account is straightforward. You can find all the details you need by visiting our eligibility page at . Should you have any questions or need assistance along the way, feel free to give us a call at (904) 594-5428. We're here to help you every step of the way on your journey with Vystar!

Business Banking & Commercial Services

Financing Options for Growth

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 a Difference

In addition to loans, we offer merchant services that simplify daily transactions. Imagine having a reliable payment processing solution that allows you to accept various payment types seamlessly whether it's credit cards, mobile payments, or online transactions. This means you can focus more on your customers and less on managing payments. Located at 101 Bartram Oaks Walk Jacksonville Fl 32259, Jacksonville, FL 32,259, we're here to partner with you in achieving your business goals. Contact us at (904) 594-5428 to learn more about how our business banking solutions can empower your success!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, we haven't forgotten about you! Our business banking services include merchant services and business loans tailored specifically for small enterprises. Whether you're just starting out or looking to expand, we provide the financial tools necessary for success.

Connect With Us Today!

We invite you to experience all that Vystar has to offer. For more information about our comprehensive list of services or if you have questions about how we can assist you further, don't hesitate to call us at (904) 594-5428 or visit us online at https://www.vystarcu.org. Your financial well-being is our priority!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we prioritize online and mobile banking at Vystar. With just a few taps on your smartphone or clicks from your computer, you can access all your accounts anytime, anywhere! Our ATM services allow for easy cash withdrawals and balance checks without waiting in line.

Home Financing Made Easy

For those considering purchasing their first home or refinancing an existing mortgage, our mortgage loans come with personalized guidance through each step of the process. Our experts will help you navigate various options to find the right fit for your financial situation.

Personal Banking Solutions

One of the cornerstones of our offerings is personal banking. We provide checking and savings accounts that fit your lifestyle. Imagine having a checking account that helps you easily track your spending while also allowing you to save for your goals. With competitive interest rates on savings, every penny counts towards your future! If you're in the market for a vehicle, our auto loans and vehicle financing options can make your dream car a reality. We understand that buying a car is a significant investment, so we offer flexible terms to help manage your budget effectively.

Support When You Need It

Life can sometimes throw unexpected expenses your way, which is why we offer personal loans and debt consolidation solutions. These services are designed to give you peace of mind by simplifying repayments and providing access to funds when needed most. Credit cards are another essential part of managing finances, and at Vystar, we offer credit cards with rewards that allow you to earn while you spend. Imagine using your card for daily purchases and watching those points accumulate towards exciting rewards!

Digital & Online Banking

Key Features

We offer a range of digital tools to enhance your banking experience. With electronic signature authorization available, signing documents is quick and hassle-free. Say goodbye to printing and mailing paperwork! You also have the option to receive e-statements, which not only help reduce paper waste but allow you to access your statements whenever you need them. If you're always on the move, our mobile application is perfect for you. It supports mobile payments, making it simple to pay for purchases directly from your phone. Plus, with person-to-person transfers, sending money to friends or family has never been easier. Just use our app or online banking portal, and you're good to go!

Security and Accessibility

Security is a top priority at Vystar. Our online platform uses advanced security measures to protect your personal information and transactions. You can bank with peace of mind knowing that we've got you covered. Whether you're checking in during lunch or managing your budget after hours, Vystar's digital banking services are designed with accessibility in mind. Enjoy real-time account management that puts you in control of your finances whenever and wherever you need it. Discover how easy banking can be with Vystar where convenience meets security in every transaction!

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 that in today's world, having a solid financial foundation is essential for peace of mind. 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 and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $91,613 in used auto loans and a total of $10,061,804,065 in loans and leases available. 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 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. 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 101 Bartram Oaks Walk Jacksonville FL 32259 or call 904-594-5428 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. We've already provided $1,727,078,927 in used vehicle loans and $1,313,138,601 in new vehicle loans, helping members get on the road with confidence. Whether you're purchasing a brand-new model or a reliable pre-owned vehicle, we have options that fit your budget.

Business Loans

For business owners looking to expand or improve cash flow, our outstanding commercial loans totaling $880,089,420 provide the capital needed to grow your business. We understand the challenges faced by entrepreneurs and are committed to supporting local businesses.

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 here to guide you through every step of the process so that you can find the right solution for your home financing needs.

Refinancing Options

If you're considering refinancing existing loans or looking into eligibility options for any of our products, we're here to assist you. Our knowledgeable team is ready to help you navigate through various refinancing solutions tailored to your situation. 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, feel free to call us at (904) 594-5428. Let Vystar help you take the next step toward achieving your financial dreams!

Unsecured Credit Card Loans

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. These cards come with competitive interest rates and benefits that make everyday spending easier.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to sourcing ensures fair and transparent offers for all users.

Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans