VyStar Credit Union Middleburg FL: Cheap Mortgage Refinance & Rewards Cards

Introduction

Welcome to Vystar, your trusted partner in financial well-being, located at 3750 County Road 220, Middleburg, FL 32068. Since our establishment in 1952, we have dedicated ourselves to serving our community and helping our members achieve their financial goals. With a growing membership of over 997,000 individuals, we are proud to offer a wide range of services designed for both personal and business needs. At Vystar, we understand that every member's journey is unique. That's why we provide tailored solutions from personal banking options like checking and savings accounts to competitive auto loans and mortgage refinancing. Our commitment to you is reflected in our impressive total assets of $14,746,180,513 and total deposits reaching $975,513,063. With a strong net worth of $1,298,248,326, you can rest assured that your finances are in safe hands. While you can visit us at our branch location for personalized assistance, official correspondence should be sent to the same address: 3750 County Road 220, Middleburg, FL 32068-3833. If you have any questions or need help with your accounts, please don't hesitate to call us at 904-237-2530. Our leadership team is here to support you every step of the way. Under the guidance of CEO Brian Wolfburg and Board President Phillip (Kem) Siddons, we strive to create an environment where all members feel valued and understood. Join us as we continue to grow together! Visit our website at Vystar Credit Union for more information on how we can assist you with your financial needs today. Whether you're looking for a loan or exploring new ways to save, Vystar is here for you!

Branch History & Mission

Community Focus

Vystar understands that a strong community leads to strong members. We actively engage in local partnerships and outreach efforts designed to uplift those around us. By participating in various community events and supporting local organizations, we aim to make a positive impact on the lives of all residents in Middleburg and beyond. We invite you to experience the difference at Vystar. Join us today and become part of a community-focused credit union that truly cares about your financial future. For any inquiries or assistance, feel free to contact us at 904-237-2530. Together, let's build a brighter future for you and your family!

Our Mission

At Vystar, our mission is simple yet powerful: to provide exceptional financial services while enriching the lives of our members and communities. We believe in offering more than just banking solutions; we strive to empower our members through education, resources, and community outreach initiatives. Whether it's helping someone secure their first auto loan or providing guidance on home financing options, we are here to support every step of their financial journey. Our operating hours reflect our commitment to service open Monday through Friday from 11:15 AM to 12:30 PM making it convenient for members to access assistance when they need it most. While there are no ATMs or drive-thru services available at this location, our team is always ready to assist you in-person. In addition to traditional banking services like checking and savings accounts, auto loans, mortgages, and credit cards with rewards, we offer modern conveniences such as online and mobile banking options. This ensures that managing your finances is as easy as possible.

Branch Location & Accessibility

Call to Action

So why wait? Come visit Vystar today at 3750 County Road 220 in Middleburg! We're excited to welcome you into our community and help you with all your financial needs. If you prefer, feel free to reach out via phone at 904-237-2530 for any inquiries before your visit!

Convenient Access

At Vystar, we prioritize your convenience. Our branch offers ample parking with easy access to the building, ensuring that everyone can visit us without any hassle. We also have ADA-compliant features so that all members of the community can enjoy our services comfortably.

Operating Hours

We understand that life gets busy! That's why our lobby hours are designed to fit your schedule. You can visit us Monday through Friday from 11:15 AM to 12:30 PM. If you need assistance outside these hours, don't hesitate to give us a call at 904-237-2530. Our friendly staff is always ready to help!

Services Offered

While you're here, take advantage of our variety of personal banking services including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more. We aim to be your go-to financial partner for all your needs.

Member Eligibility

At Vystar, we believe in creating a welcoming community where everyone can feel at home. Becoming a member is simple and rewarding! If you're living, working, or worshiping in the area, you're likely already eligible to join us. We proudly serve individuals who share our values and vision for financial well-being. Membership opens the door to a variety of benefits, including competitive rates on loans, personalized service, and access to our robust online banking tools. To get started, just swing by our branch located at 3750 County Road 220 Middleburg Fl 32068 or give us a call at (904) 237-2530. You can also check out detailed eligibility criteria on our website at . We are excited to help you take the first step towards joining our family at Vystar!

Business Banking & Commercial Services

At Vystar in Middleburg, FL, we understand that running a business requires more than just hard work; it takes the right financial support to help you thrive. That's where our business banking and commercial services come into play. Imagine securing the funds needed to expand your operations or invest in new technology. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1861 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. But we don't stop at loans. Our merchant services are designed to make transactions easier for you and your customers. Picture this: streamlined payment processing that allows you to focus on what you do best running your business. Whether you're a small shop or a growing enterprise, Vystar is here to partner with you every step of the way. Visit us at 3750 County Road 220 Middleburg, FL 32068 or call us at 904-237-2530 to learn how we can help your business thrive!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While we don't have an ATM at this location, we ensure that cash withdrawal services remain accessible through our partner networks, allowing you to access funds whenever needed. At Vystar, we strive to provide accessible financial solutions that empower our members in every aspect of their lives. To learn more about how we can assist you further or to speak with one of our friendly representatives, give us a call at (904) 237-2530. We're here to help!

Auto Loans & Vehicle Financing

If you're considering purchasing a new car or refinancing your current vehicle, our auto loans and vehicle financing options make the process smooth and straightforward. We provide competitive rates that can help you save money over time. Picture driving away in your dream car while keeping your budget intact.

Business Banking

For entrepreneurs, we offer comprehensive business banking services, including merchant services and business loans. If you're looking to grow your business or streamline operations, our team can assist in finding the right solutions tailored specifically for small businesses.

Credit Cards with Rewards

Our credit cards with rewards program is perfect for those who want to earn benefits while making everyday purchases. Whether it's cash back on groceries or travel points for vacations, our cards are designed to reward you for spending wisely.

Mortgage Loans & Refinancing

Buying a home is one of the biggest decisions you'll ever make. At Vystar, we offer various mortgage loans and refinancing options to help turn that dream into reality. Our knowledgeable team will guide you through every step, ensuring you find the best solution for your situation.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we prioritize our online and mobile banking features. You can access your accounts anytime and anywhere whether it's paying bills or transferring money between accounts all from the comfort of your home or on the go.

Personal Banking

Whether you're looking to open a checking or savings account, we offer personal banking solutions tailored just for you. With personal banking accounts, you can manage your money easily, set up direct deposits, and enjoy the convenience of online and mobile banking. Imagine being able to check your balance or transfer funds right from your smartphone!

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, which is why we provide personal loans and debt consolidation services. Whether it's for medical bills or home repairs, our flexible loan terms are designed to fit your unique circumstances, allowing you to regain control of your finances without unnecessary stress.

Digital & Online Banking

Key Features for You

Our online banking services are accessible 24/7, allowing you to check balances, transfer funds, and pay bills whenever it suits you. Whether you're at home or on the go, managing your money has never been easier. Plus, our mobile application puts all these features right in your pocket! You can even make mobile payments effortlessly, ensuring that your transactions are quick and secure. For those who prefer paperless options, we offer e-statements that let you view your account statements electronically. This not only helps you stay organized but also contributes to a greener environment. And if you need to sign documents quickly, our electronic signature authorization feature allows you to do so with just a few taps.

Stay Connected with Ease

With person-to-person transfers, sending money to friends or family is straightforward and hassle-free. You can send funds directly from your account without needing cash or checks. This feature makes splitting bills or helping someone out much simpler. We prioritize your security while providing these conveniences. Our online banking platform is designed with the latest safety measures in place to protect your personal information and ensure that your transactions are secure. In today's fast-paced world, having reliable access to your financial resources is essential. At Vystar, we are committed to making banking easy for you through our digital offerings. Experience the freedom of managing your finances anytime, anywhere with our comprehensive suite of online banking services!

Financial Strength

Growing Membership Trust

Total Share Accounts stand at an impressive 2,036,011, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments amount to $72,607,517, reinforcing our ability to meet your needs effectively. 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 3750 County Road 220 Middleburg FL 32068 or call 904-237-2530 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.

Member-Centric Savings Options

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.

Operational Efficiency

Our current financial performance is reflected in our net income of $0, which allows us to keep our operations efficient while continuing to offer 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.

Reinvestment for Growth

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 $9,164 in used auto loans and a total of $10,061,804,065 in loans and leases reflect our commitment to supporting your financial goals across various sectors.

Solid Financial Health

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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $1,312,138,601 in new vehicle loans and $1,727,078,927 in used vehicle loans, helping members get on the road with confidence. Whether you're purchasing a brand-new model or a reliable used car, we have options tailored to fit your budget.

Commercial Loans

If you're a business owner looking for growth opportunities, our outstanding commercial loans total $880,089,420. This funding can provide the capital needed to expand operations or invest in new projects.

Credit Lines and Personal Loans

For those needing flexibility in their finances, we offer total credit lines amounting to $6,811,855,194, giving you access to funds when you need them most. Additionally, our unsecured credit card loans total $680,082,195, providing our members with adaptable terms to manage expenses effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We currently provide Junior Lien 1-4 Family Residential Properties loans totaling $701,523,958. These competitive rates can help you secure the home you've always wanted or refinance an existing mortgage for better terms.

Refinancing Options

We also encourage members to explore refinancing options available for auto and mortgage loans. This could potentially lower your monthly payments or reduce the interest paid over time. At Vystar, we prioritize your financial well-being and are here to assist you every step of the way. For more information or to discuss eligibility options tailored specifically for you, please give us a call at 904-237-2530. 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 Aggregator

How LendMesh Ensures Accurate 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 ensures that users receive fair and transparent offers. By relying on verified financial institutions, LendMesh maintains a high standard of accuracy in its loan comparisons.

Key Benefits of Using LendMesh

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Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans