VyStar Credit Union Neptune Beach FL: Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Vystar, your trusted partner in financial growth and community support, located at 1307 Atlantic Blvd, Neptune Beach, FL 32266. Established in 1952, Vystar has grown alongside our members, proudly serving nearly 1 million members with a commitment to excellence. With total assets of over $14.7 billion, we offer a robust range of services designed to meet your personal and business banking needs. As a member-focused credit union, we understand the importance of reliable financial solutions. That's why we provide an array of products including checking and savings accounts, auto loans, mortgage options, and business banking services. Our total deposits exceed $975 million, showcasing the trust our members place in us every day. At Vystar, we believe in the power of community. Under the leadership of our CEO, Brian Wolfburg, and Board President, Kem Siddons, we strive to make a positive impact through responsible lending practices and by supporting local initiatives. We currently employ over 2,300 dedicated staff members who are here to help you achieve your financial goals. While you can visit us at our branch for any inquiries or assistance, please note that official correspondence should be sent to our mailing address: 1307 Atlantic Blvd, Neptune Beach, FL 32266. Experience the difference with Vystar Credit Union where your financial well-being is our top priority. Feel free to reach out at (904) 420-5711 or explore more about our services on our website here. Join us today and let's build a brighter financial future together!

Branch History & Mission

Community Commitment

Vystar is deeply rooted in the local community of Neptune Beach and beyond. We are proud to partner with various organizations that uplift those in need through outreach initiatives and volunteer efforts. Our commitment goes beyond providing financial services; we aim to be an active participant in enhancing the quality of life for all residents. As technology evolves, so do we. With ADA-compliant facilities and user-friendly online banking tools like mobile payments and e-statements, Vystar ensures that banking remains accessible for everyone. Our drive-thru services provide convenience for those who prefer quick transactions without leaving their vehicles.

Join Us

We invite you to be part of this inspiring journey at Vystar. Whether you're looking for a new bank or want to explore better options for your finances, we welcome you with open arms. Experience personalized service and community spirit that sets us apart from traditional banks. Call us at 904-420-5711 or visit us at our branch today! Together, let's build a brighter financial future right here in Neptune Beach.

Our Mission

Vystar's mission is simple yet profound: to enrich the lives of our members and the communities we serve. We believe that financial well-being is essential for everyone. That's why we offer a range of services tailored to meet diverse needs from personal banking options like checking and savings accounts to auto loans, mortgages, and business financing solutions. Each service aims not only to facilitate transactions but also to empower our members to achieve their financial goals. We understand that banking is more than just numbers; it's about building relationships and trust. Our team works diligently to ensure that every interaction reflects our core values of integrity, respect, and community focus. Whether you visit us during lobby hours or use our digital banking options available 24/7 we strive to make your experience seamless and welcoming.

Branch Location & Accessibility

Convenient Access and Services

At Vystar, we strive to make your banking experience as smooth as possible. We offer ample parking for our members, ensuring that you have a hassle-free visit. For those requiring extra assistance, our branch is ADA compliant with accessible ramps and facilities. You can count on us being open during convenient 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. This means you can fit banking into your schedule without any stress!

Drive-Thru and ATM Availability

Need quick access? Our drive-thru service is available for simple transactions like deposits and withdrawals. Plus, with our ATM on-site, you can easily withdraw cash or check your balance anytime. If you need to send official correspondence, please note that it should be directed to the same address: 1307 Atlantic Blvd, Neptune Beach, FL 32266. We are here for all your banking needs from checking and savings accounts to auto loans and credit cards with rewards. Our dedicated staff is ready to assist you with personalized service tailored just for you. Don't hesitate to reach out! You can contact us at 904-420-5711 if you have questions or would like more information about our services. We look forward to welcoming you soon!

Member Eligibility

At Vystar, we believe in creating a welcoming community where everyone feels at home. Becoming a member is simple and open to anyone who lives, works, worships, or attends school in the area surrounding our branch at 1307 Atlantic Blvd Neptune Beach Fl 32266. We want you to experience the unique benefits of membership, such as competitive rates on loans and savings accounts, personalized service, and access to a wide range of financial products designed with you in mind. If you're ready to join us, you can find more information about the eligibility criteria by visiting this link. For those interested in opening an account, we make it easy! Simply reach out to us at (904) 420-5711 during our business hours for assistance. We can't wait for you to become part of our family at Vystar!

Business Banking & Commercial Services

Financing Your 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 Matter

Imagine having the tools to accept payments easily, manage cash flow efficiently, and streamline operations all at your fingertips. Our merchant services are designed to simplify your transactions, allowing you to focus on what matters most: running your business. Whether you're a storefront or an online retailer, we provide solutions that fit your needs perfectly. Visit us at 1307 Atlantic Blvd Neptune Beach Fl 32266, Neptune Beach, FL, or call us at (904) 420-5711 to learn more about how our business banking and commercial services can fuel your success!

Comprehensive List Of Services

Business Services

For entrepreneurs and small business owners, we offer comprehensive Business Banking services including Merchant Services & Business Loans designed to support your growth and success. We understand that every business has unique needs, and we're here to provide the tools necessary for managing your finances efficiently.

Convenient Access Points

Our commitment to convenience extends beyond traditional banking hours. With features like ATM & Cash Withdrawal Services, accessing your funds is easy and quick whether it's day or night. You can also utilize our Basic Drive-Thru Banking, which allows you to handle deposits, withdrawals, and other simple transactions without leaving your vehicle. At Vystar, we believe that banking should fit seamlessly into your life. For more information about how we can assist you with any of these services, please don't hesitate to reach out at (904) 420-5711. We invite you to visit us today and discover how we can help make managing your finances simpler and more enjoyable!

Home Sweet Home

Looking to buy a home or refinance your existing mortgage? Our Mortgage Loans & Refinancing options are designed to make home ownership achievable and affordable. With personalized support throughout the process, you'll feel confident as you take this significant step toward securing a place you can truly call home.

Personal Banking Solutions

Managing your finances should be straightforward. That's why we offer various Personal Banking options including Checking & Savings Accounts that help you manage your daily expenses while saving for future goals. Imagine being able to easily access your funds through our Online & Mobile Banking services, allowing you to check balances, transfer money, and pay bills from anywhere at any time.

Rewarding Credit Options

Don't forget about our Credit Cards with Rewards! These cards not only give you purchasing power but also reward you for using them with points or cashback on everyday purchases. It's a simple way to earn rewards while handling routine expenses.

Support When You Need It

Life can throw unexpected challenges your way. That's where our Personal Loans & Debt Consolidation services come into play. Whether it's funding a major purchase or consolidating debt for easier management, we're here to assist you in finding the right solution tailored to your financial situation.

Vehicle Financing Made Easy

If you're in the market for a new car or need financing for your current vehicle, our Auto Loans & Vehicle Financing services can help get you on the road without the stress of complicated applications. We provide competitive rates and flexible terms so that you can drive away in your dream car with ease.

Digital & Online Banking

Mobile Application Availability

Stay connected on the go with our mobile application. It's packed with features that make banking simple and efficient. You can manage your accounts, make payments, and even set up person-to-person transfers effortlessly. Plus, if you're a fan of mobile payments, you'll love how easy it is to pay using your smartphone.

Security and Convenience

Your security is our top priority. With electronic signature authorization available, signing documents is quick and secure no need for paper trails! You can rest easy knowing that all transactions are protected with the latest security measures. In today's fast-paced world, having real-time access to your accounts is essential. At Vystar, we aim to make banking as convenient as possible while keeping it safe. Join us in embracing the future of banking!

Financial Strength

Commitment to Growth

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 an impressive $10,061,804,065 in total loans and leases.

Member Trust

Total Share Accounts stand at an impressive 2,036,011, showcasing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments total $72,607,517, underlining our commitment to supporting your needs. 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 1307 Atlantic Blvd Neptune Beach FL 32266 or call 904-420-5711 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is reflected in our balance sheet showing $0 net income, allowing 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.

Robust 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.

Secure 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.

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 provide financing options that fit your budget, along with straightforward terms that make it easy to understand your payment structure.

Business Loans

For business owners, our outstanding commercial loans totaling $880,089,420 provide the capital needed to grow and expand. We recognize that every business is different, which is why we tailor our lending solutions to meet your specific needs. If you're interested in refinancing any of these options or want to learn about eligibility requirements, feel free to contact us. Our team is here to guide you through the process and answer any questions you may have. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Reach out today at (904) 420-5711, or visit us at 1307 Atlantic Blvd Neptune Beach Fl 32266 in Neptune Beach, FL, and let us help you find the right loan for your needs!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $701,523,958, make buying or refinancing simple. We offer competitive rates and flexible terms to suit your needs, whether you're purchasing your first home or looking to refinance an existing mortgage.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes 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. This option allows for greater spending power while providing the chance to earn rewards on your purchases.

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Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans