VyStar Credit Union Lake City FL: Low Mortgage Rates & Auto Loans

Introduction

Welcome to Vystar, your trusted partner in financial services located at 411 NW Commons Loop, Lake City, FL 32055. Since our establishment in 1952, we've dedicated ourselves to serving our members and the community with integrity and commitment. With a proud membership of nearly 1 million individuals, we have grown into a robust credit union with total assets exceeding $14.7 billion. At Vystar, we believe that everyone deserves access to quality financial solutions that meet their unique needs. Whether you are looking for personal banking options like checking and savings accounts, auto loans, or mortgages, or business services such as merchant services and business loans, we're here to help you every step of the way. Our total deposits stand at $975.5 million, reflecting the trust our members place in us. We pride ourselves on being more than just a financial institution; we are part of the Lake City community. Our leadership team, including CEO Brian Wolfburg and Board President Phillip (Kem) Siddons, is deeply committed to ensuring that we provide the best possible service to our members while also positively impacting the community around us. For any correspondence, please note that our mailing address is also 411 NW Commons Loop, Lake City, FL 32055. Feel free to reach out via phone at 386-239-1070 for any questions or assistance you may need. Join us at Vystar today experience personalized banking that's built around you! Explore our website at vystarcu.org for more information about our services and how we can help you achieve your financial goals. We look forward to welcoming you!

Branch History & Mission

A Home Away From Home

While you can visit us at our Lake City branch for all your banking needs, official correspondence should be directed to our mailing address: 411 NW Commons Loop, Lake City, FL 32055. Our friendly team is here to assist you 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. Additionally, we offer convenient amenities such as an ATM and drive-thru banking services for quick transactions without leaving your car.

Join Us

As we continue on this journey together, we invite you to become part of the Vystar family. Experience firsthand how we prioritize your financial well-being while actively contributing to the growth of our community. Together, let's build a brighter future! For more information or assistance, feel free to reach out at 386-239-1070 or visit us online at Vystar.

Our Commitment to Community

Vystar's mission goes beyond just numbers; it's about making a real impact in the lives of those we serve. We believe in empowering individuals and families by providing them with the tools they need for financial success. Whether it's through educational workshops or community events, we strive to foster a sense of belonging among our members. We also recognize the importance of adapting to changing times. That's why we've embraced technology to enhance your banking experience. With features like online banking, mobile payments, and person-to-person transfers, managing your finances is easier than ever before.

Branch Location & Accessibility

Accessibility Features

At Vystar, we prioritize accessibility for everyone. Our branch is equipped with features that ensure all members can access our services comfortably. We have ADA-compliant entrances and ramps available, so you can easily navigate our facilities.

Connect With Us

We invite you to come by Vystar today! If you have questions or need assistance before your visit, don't hesitate to give us a call at 386-239-1070. We look forward to serving you and helping you achieve your financial goals!

Operating Hours

We know that life can get busy, which is why we offer flexible operating hours. Visit 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. We're here when you need us!

Parking and Drive-Thru Services

Parking is plentiful and hassle-free at our location, allowing you to park close by without any stress. If you're in a hurry, take advantage of our drive-thru banking service where you can make deposits or withdrawals quickly and conveniently.

Services Offered

Vystar provides a full range of banking services designed to meet your needs. From personal checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need cash? Our ATM is available on-site for quick access to your funds. While members can visit us at 411 NW Commons Loop for all their banking needs, official correspondence should be sent to the same address as our mailing address: 411 NW Commons Loop, Lake City, FL 32055.

Member Eligibility

At Vystar, we believe that everyone deserves access to financial services that truly support their needs. Becoming a member is not just about opening an account; it's about joining a welcoming community dedicated to your financial well-being. If you live, work, or worship in the Lake City area, you are likely eligible for membership! We're here to empower you with personalized banking solutions and competitive rates on loans and savings. To learn more about the specific eligibility requirements and see if you qualify, feel free to check out our detailed guide at . The process of opening an account is straightforward and designed with you in mind. You can reach us at (386) 239-1070 if you have any questions or would like assistance. Our friendly team at 411 Nw Commons Loop Lake City Fl 32055 is excited to help you start your journey with us!

Business Banking & Commercial Services

Commercial 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 essential merchant services that make daily transactions easier for you. Imagine having a reliable payment processing system that allows your customers to pay with ease while you focus on running your business. Our services enable quick credit card processing, allowing you to provide an excellent customer experience without the hassle. Visit us at 411 Nw Commons Loop Lake City Fl 32055 in Lake City, FL, or give us a call at (386) 239-1070 to learn how we can partner with you for your business success!

Comprehensive List Of Services

Accessing Your Funds Made Easy

In addition to our digital offerings, we provide ATM access for quick withdrawals and balance checks. For those who prefer face-to-face interactions, our drive-thru service allows for basic transactions such as deposits and withdrawals without needing to enter the branch. With friendly staff ready to assist you from Monday through Saturday 9 AM to 5 PM on weekdays and 9 AM to 1 PM on Saturdays we strive to create an enjoyable banking experience. If you're ready to explore all that Vystar has to offer or have questions about our services, don't hesitate to reach out! Call us at (386) 239-1070 or visit us at https://www.vystarcu.org today! We're excited to serve you!

Business Banking Services

For entrepreneurs and business owners, Vystar provides comprehensive business banking services including merchant services and business loans. We understand that running a business comes with its own set of challenges, and we're here to support you every step of the way.

Convenient Digital Banking Features

We know that convenience is key in today's fast-paced world. That's why we've invested in robust online and mobile banking platforms. With features like mobile payments, person-to-person transfers, and electronic signatures, managing your finances has never been easier. You can check balances, make deposits, and handle transactions from anywhere at any time.

Personal Banking Solutions

Our personal banking services include everything you need to manage your finances effectively. Open a checking or savings account with us and enjoy easy access to your money. Need to finance a new car? Our auto loans and vehicle financing options are tailored to help you hit the road without breaking the bank. If you're considering buying a home, our mortgage loans and refinancing options make it simple to find the right fit for your budget.

Support for Everyday Needs

Life can throw unexpected expenses your way, which is why we offer personal loans and debt consolidation solutions. These services can provide quick access to cash when you need it most or help you streamline your payments into one manageable monthly amount. Plus, our credit cards come with rewards that let you earn while you spend, making every purchase a little sweeter.

Digital & Online Banking

Key Features

Our digital services include electronic signature authorization for quick and secure transactions. Say goodbye to printing documents; with this feature, signing is a breeze. For those who prefer going paperless, e-statements are available so you can keep track of your finances without the clutter. If you're always on the move, you'll love our mobile application. It offers all the features of online banking right in your pocket. You can even make mobile payments easily just tap and go! Plus, sending money to friends or family is simple with our person-to-person transfer feature. With Vystar, you're not just accessing a bank; you're gaining a financial partner that prioritizes your needs. Enjoy real-time account management and peace of mind knowing that your information is secure. Join us today and experience how easy banking can be!

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 knowing your credit union is financially sound brings peace of mind, which is why we want to share some key insights about our strength and reliability. 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 is robust as well; we offer $91,613 in used auto loans and have a total of $10,061,804,065 in loans and leases to support our members' financial goals across various sectors. Our operational efficiency is reflected in our net income of $0, 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 and committed team. 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 411 Nw Commons Loop Lake City FL 32055 or call 386-239-1070 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

Additional Loan Options

For those who are looking into business opportunities, our outstanding commercial loans totaling $880,089,420 provide the capital needed to grow and expand. We also have various credit line options available for personal or business use. We encourage you to explore refinancing options as well if you're looking to lower your monthly payments or consolidate debt. Our team is ready to assist you with any eligibility questions you may have. No matter what your financial goals are be it purchasing a vehicle or securing a mortgage Vystar is committed to providing solutions that suit your needs. For more information or to discuss your options further, feel free to call us at 386-239-1070. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 buying a new or used vehicle, our competitive rates and flexible terms can make it easier for you to drive away with the car you want.

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 know that purchasing a home is a significant step, and our dedicated team is here to guide you through every part of the process.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. That's why 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. Our credit cards come with features that fit your lifestyle while providing peace of mind.

Loan Aggregator

Benefits of Using LendMesh

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Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans