VyStar Credit Union Ocala FL: Best Auto Loans & Business Banking

Introduction

Welcome to Vystar, your trusted financial partner located at 4602 SW College Rd, Ocala, FL 34474. Established in 1952, we have proudly served our community for over seven decades, building a strong foundation of trust and reliability with our members. With a total membership of 997,469, we strive to provide exceptional service tailored to meet the unique needs of each individual. At Vystar, we understand that financial wellness is essential to our members' lives. That's why we offer a wide range of services, from personal banking options like checking and savings accounts to auto loans and mortgages. Our total assets stand impressively at $14,746,180,513, demonstrating our stability and commitment to serving you better. Our CEO, Brian Wolfburg, alongside Board President Phillip (Kem) Siddons, leads a dedicated team of 2,321 employees who are here to support you every step of the way. We take pride in our ability to offer personalized solutions that help you achieve your financial goals. Whether you're interested in business banking or simply need assistance with your personal finances, we're here for you. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 4602 SW College Rd, Ocala, FL 34474-5720. Our friendly staff is available during lobby hours from Monday to Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. Feel free to reach us at 352-642-1140 if you have any questions or need assistance. Join us today and discover how Vystar can make a positive impact on your financial journey! Visit our website at vystarcu.org for more information about our services and offerings. We look forward to welcoming you into the Vystar family!

Branch History & Mission

Commitment to Service

Our operating hours are designed with your convenience in mind: Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. We also offer ATM availability for quick access to cash and basic transactions without any hassle. As we look forward to the future, Vystar remains focused on ensuring that every member feels valued and supported. With an engaged team dedicated to exceptional service and a robust range of products, we invite you to join us on this journey. Come experience the benefits of being part of Vystar where your financial well-being is our priority! For more information about how you can become a member or learn about our services, give us a call at (352) 642-1140 or visit us online at vystarcu.org. Join us today and discover what makes Vystar more than just a credit union it's your partner in financial success!

Our Legacy of Growth

From our humble beginnings, we have evolved significantly. We've embraced advancements in technology while staying true to our core values of community support and member service. Each milestone in our journey reflects our commitment to providing quality financial services tailored to meet the needs of our members. As we expanded, we also introduced innovative banking solutions such as online and mobile banking, making it easier for our members to manage their finances on-the-go.

Our Mission

Our mission at Vystar is clear: we strive to empower our members by providing personalized financial solutions that foster growth and security. Whether it's offering competitive rates on auto loans or helping families achieve home ownership through mortgage financing, we are dedicated to making a positive impact in the lives of those we serve. Community involvement is at the heart of what we do; through various partnerships and outreach programs, we work tirelessly to uplift the communities around us. While members can visit us at 4602 SW College Rd for all their banking needs including access to ATMs and drive-thru services official correspondence should be sent to our mailing address: 4602 SW College Rd, Ocala, FL 34474-5720.

Branch Location & Accessibility

Come Visit Us!

We invite you to visit us at Vystar! Our friendly team is ready to assist you with whatever you need. If you have any questions or want to know more about our services before coming in, feel free to give us a call at 352-642-1140. We look forward to welcoming you soon!

Nearby Landmarks and Accessibility

You can find us just a stone's throw away from local favorites like the Paddock Mall and the beautiful parks that make Ocala such a lovely place to live. Our branch is easily accessible with ample parking available for all visitors. Plus, we're committed to ensuring everyone can enjoy our services comfortably; our facilities are ADA compliant with ramps and accessible entrances.

Operating Hours and Services

We're open Monday through Thursday from 9 AM to 5 PM and on Fridays until 6 PM, providing plenty of time for you to stop by after work or during your lunch break. At Vystar, we offer a wide array of services tailored to meet your needs from personal banking options like checking and savings accounts to auto loans and mortgage financing. Need cash on the go? Our ATM is available for your convenience, along with drive-thru banking for quick deposits and withdrawals.

Member Eligibility

At Vystar, we believe that everyone deserves a place in our supportive community. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in Marion County or certain areas nearby, you're likely eligible to join us. We also invite family members of existing members to become part of our credit union family. Not only do our members enjoy personalized service and competitive rates, but they also gain access to a range of financial products designed to help achieve their goals. To get started on your membership journey with us at Vystar, just give us a call at (352) 642-1140 or visit us at our branch located at 4602 Sw College Rd Ocala Fl 34474. You can find more detailed eligibility criteria by visiting this link. We're excited to welcome you and help you make the most of your finances!

Business Banking & Commercial Services

Merchant Services that Make a Difference

At Vystar, we go beyond just loans. Our merchant services simplify payment processing, making it easier for you to manage transactions and grow your customer base. Imagine quickly accepting payments from customers at your storefront or online without hassle. This means more time for you to focus on what truly matters running your business effectively. Visit us at 4602 Sw College Rd Ocala Fl 34474 or call us at (352) 642-1140 to discover how our business banking solutions can propel your business forward!

Tailored Loan Solutions

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.

Comprehensive List Of Services

Accessibility & Support

At Vystar, we're committed to making banking accessible for everyone. Our branch is equipped with drive-thru banking options for simple transactions like deposits and withdrawals. If you're ever in doubt or need assistance, don't hesitate to reach out at (352) 642-1140 during our lobby hours: Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. We invite you to visit us at 4602 Sw College Rd Ocala Fl 34474 in Ocala, FL, or explore more about our offerings online at https://www.vystarcu.org. Discover how Vystar can support your financial journey today!

Business Banking

For entrepreneurs and small businesses, we understand the importance of having reliable financial support. Our business banking services include essential offerings like merchant services for payment processing and tailored business loans designed to help you grow and thrive.

Credit Cards & Rewards

Shopping and managing expenses can be rewarding too! With our credit cards featuring rewards, you can earn points on purchases which can be redeemed for travel, merchandise, or cash back. It's a simple way to turn everyday spending into something beneficial.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services that allow you to access your accounts anytime, anywhere. With features like mobile payments and person-to-person transfers, managing your finances has never been easier. Plus, our ATMs and drive-thru services ensure that cash withdrawal and basic transactions are straightforward and quick.

Personal Banking

For individuals seeking to establish their financial foundation, our personal banking services are designed with you in mind. We offer various checking and savings accounts that help you manage your day-to-day expenses while saving for future goals. If you're considering purchasing a new car, our auto loans and vehicle financing options provide competitive rates and flexible terms, making it easier for you to hit the road without breaking the bank. If homeownership is on your radar, we can assist with mortgage loans and refinancing, guiding you through the process to find an option that suits your budget. For those looking to consolidate debt or finance personal projects, our personal loans are readily available to help you achieve your dreams.

Digital & Online Banking

Key Features of Our Digital Banking Services

Security is our top priority at Vystar. With features like electronic signature authorization and e-statements, you can handle your banking needs confidently. You won't have to worry about paperwork or waiting for statements in the mail everything is available digitally and securely. For members who love the ease of peer-to-peer transactions, our person-to-person transfer feature allows you to send money to friends and family instantly. This service is perfect for splitting bills or sharing costs without any hassle. Additionally, if you're looking to make purchases effortlessly, our mobile payments feature lets you pay directly from your phone at various merchants. It's fast, secure, and incredibly convenient. We invite you to explore all these fantastic services designed to simplify your financial life at Vystar. Enjoy real-time account management and all the tools needed to stay on top of your finances whenever and wherever it suits you best!

Financial Strength

Growing Membership Base

We are proud to serve a growing member base with a total of 2,036,011 share accounts. This reflects the trust our members place in us as their preferred financial partner. Additionally, our net shares available for lending stand at $72,607,517, highlighting our commitment to supporting your financial needs. Our financial strength means we can continue serving you with confidence. Whether you're saving or borrowing or planning for the future, Vystar is your trusted partner. Visit us at 4602 SW College Rd Ocala FL 34474 or call 352-642-1140 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-Focused Savings

Your savings are our priority. We proudly secure our members' funds 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 focus on benefiting you our resources are directed toward better loan rates and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our ability to maintain a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. The dedication of our team is evident with 2,315 full-time employees and 6 part-time employees, ensuring that we are always ready to assist you with knowledgeable service.

Reinvestment for 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 is robust; we have $91,613 in used auto loans and an impressive $10,061,804,065 in total loans and leases to support your financial goals across various sectors.

Strong 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

At Vystar, we understand that financial needs vary from person to person. That's why we offer a range of loan products designed to help you achieve your goals, whether you're looking to buy a car, purchase a home, or manage your finances more effectively. Located at 4602 Sw College Rd, Ocala, FL 34474, our dedicated team is here to guide you through the lending process. With over 497479 loans issued, we've helped thousands of members achieve their financial goals. Our auto loans are particularly popular among members looking to hit the road in style. 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. If homeownership is on your mind, our mortgage options can make it simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $701,523,958. Whether you're buying your first home or refinancing an existing mortgage, we have options tailored for you. For business owners, we recognize the importance of having access to capital. Our outstanding commercial loans total $880,089,420, providing the funds necessary for growth and expansion. Additionally, 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 unsecured credit card loans issued so far, we're here to help our members navigate their finances with ease. At Vystar, we're committed to supporting our community with competitive loan products and exceptional service. If you're considering refinancing or want to explore eligibility options for any of these loan products, please don't hesitate to reach out. You can contact us at (352) 642-1140 for more information. 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 toward achieving your financial aspirations!

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Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans