VyStar Credit Union Orlando FL: Low Mortgage Rates & Auto Loans

Introduction

Welcome to Vystar, your trusted financial partner located at 1 S Orange Ave, Orlando, FL 32801. Established in 1952, we have grown into a strong community credit union with nearly 1 million members. Our commitment to serving you is evident not just in our numbers, but also in the personal touch we bring to every interaction. With total assets of $14,746,180,513 and deposits amounting to $975,513,063, Vystar stands as a pillar of stability and trust within the financial landscape. We are proud to offer a variety of services tailored to meet your needs from personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing. Our dedication is reflected in our robust loan portfolio of 497,479 loans and leases, allowing us to support our members' dreams and aspirations. Our leadership team, headed by CEO Brian Wolfburg and Board President Phillip (Kem) Siddons, fosters a culture of member-first service. With over 2,300 employees, we ensure that each member receives personalized attention and care. We understand that finance can be complicated, but with our experienced staff by your side, navigating your financial journey becomes much simpler. For any official correspondence or inquiries, feel free to reach out through our phone at 407-792-7720 or visit us online at Vystar's website. While you can connect with us directly at our branch location for all your banking needs, please note that official mail should be sent to the same address: 1 S Orange Ave, Orlando, FL 32801-2619. At Vystar, we're more than just a credit union; we're part of your community. Come visit us today and discover how we can help you achieve your financial goals!

Branch History & Mission

Commitment to Innovation

As times change, so do we. Our commitment to innovation is evident through our range of digital services including online banking, mobile payments, and e-statements. With ADA compliance at the forefront of our technology advancements, we aim to provide a user-friendly experience for all members. Our branch also boasts convenient ATM availability for quick transactions and ease of access. While we currently do not offer drive-thru banking or shared service centers, we remain focused on enhancing your banking experience through personalized service during operating hours: Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM.

Join Us Today

With a proud membership base of over 997,000 individuals and counting, Vystar continues to grow and thrive thanks to our strong community ties. We invite you to join us at Vystar become part of a family that prioritizes your financial wellness while making meaningful contributions to the world around us. Discover how we can help you achieve your dreams today! For more information or assistance, please reach out to us at 407-792-7720 or visit our website at Vystar.

Our Mission

At Vystar, our mission goes beyond providing financial services; it's about empowering our members and uplifting our community. We strive to create opportunities for everyone by offering accessible banking solutions including personal checking accounts, auto loans, mortgage refinancing, and business banking options. Our goal is to ensure that every member feels valued and supported on their financial journey. We are dedicated to fostering a sense of belonging among our members while actively engaging in community outreach initiatives. Whether through local partnerships or volunteer efforts, we believe in giving back and making a positive impact in Orlando and beyond.

Branch Location & Accessibility

Accessibility and Parking

Our branch is designed with accessibility in mind. You'll find ample parking options nearby, ensuring that your visit is as hassle-free as possible. We also comply with ADA standards, featuring ramps and other accommodations to ensure everyone can access our services comfortably.

Connect With Us

Have questions? Feel free to give us a call at 407-792-7720. We look forward to welcoming you at Vystar! Come see how we can help you achieve your financial goals today!

Operating Hours and Services

At Vystar, we want to fit into your busy schedule. We're open Monday through Thursday from 9 AM to 5 PM and extend our hours on Friday until 6 PM. Whether you're looking to open a checking account, secure an auto loan, or explore personal banking options, our dedicated team is here to assist you. You can also enjoy the convenience of ATM services right at our location, allowing you to make cash withdrawals or check your balance easily. While we don't currently offer drive-thru banking, our friendly staff is always ready to help you inside the branch. If you need to send us any official correspondence, please use our mailing address: 1 S Orange Ave, Orlando, FL 32801-2619.

Member Eligibility

Becoming a member of Vystar is like joining a family that truly cares about your financial well-being. If you're wondering how to get started, it's quite simple! At Vystar, we welcome anyone who lives, works, worships, or attends school in the area, as well as their family members. This means that if you have a connection to our vibrant community here at 1 S Orange Ave Orlando Fl 32801, you're likely eligible to join us. As a member, you'll enjoy access to a wide range of financial products and services designed with your needs in mind. Plus, being part of our credit union means you'll benefit from lower fees and better interest rates compared to traditional banks. To find out more about the specific eligibility criteria or to see if you qualify, feel free to check out our detailed guidelines here. When you're ready to open an account and experience all the advantages of membership, just give us a call at (407) 792-7720 or stop by our branch. Our friendly staff is here to guide you every step of the way!

Business Banking & Commercial Services

Business Loans

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 merchant services that make it easy for you to accept payments from customers. Imagine being able to streamline your transactions with tools that fit your business model whether it's point-of-sale systems or mobile payment options. These services can save you time and provide valuable insights into your sales trends, allowing you to focus on what really matters: growing your business. Visit us at 1 S Orange Ave Orlando Fl 32801, Orlando, FL, or call us at (407) 792-7720 to learn more about how our business banking and commercial services can help you achieve your goals.

Comprehensive List Of Services

Business Banking Services

For business owners, we provide specialized services under our Business Banking umbrella. From merchant services that simplify transactions to business loans that empower growth, we're committed to helping your enterprise thrive.

Credit and Debt Management

Life can be unpredictable, but our Personal Loans & Debt Consolidation services are designed to give you peace of mind when unexpected expenses arise. If you're looking for ways to enhance your spending power, check out our Credit Cards with Rewards, which offer benefits that can help you save on future purchases.

Digital Convenience at Your Fingertips

In today's fast-paced world, we know how important it is to have access to your accounts whenever you need them. That's why we prioritize technology in all our offerings. Our Online & Mobile Banking platforms allow you to manage your finances on the go. Need cash? Our ATM & Cash Withdrawal Services ensure you have access to funds 24/7, making banking more convenient than ever. At Vystar, we are committed to making banking easier for everyone in our community. With a dedicated team ready to assist you and multiple ways to bank whether online or in-person you'll find that managing your finances doesn't have to be complicated. If you're ready to explore how these services can benefit you, don't hesitate to reach out! Give us a call at (407) 792-7720, or visit us at 1 S Orange Ave Orlando Fl 32801. Let us help you take the next steps towards achieving your financial goals!

Personal Banking Solutions

We understand that managing your finances is crucial. That's why we offer various Personal Banking services, including checking and savings accounts tailored to fit your lifestyle. Imagine having the flexibility to manage your money online or through our mobile app anytime you need it's all possible here at 168-downtown Orlando (branch). If you're considering purchasing a new car, our Auto Loans & Vehicle Financing options make it easy to get behind the wheel without breaking the bank. Plus, if you're thinking about buying a home, our Mortgage Loans & Refinancing services can guide you through every step of the process.

Digital & Online Banking

Convenient Online Access

Visit us at https://www.vystarcu.org to explore our online banking platform. Here, you'll find features that make banking simple and efficient. Whether you're checking your balance, transferring funds, or paying bills, everything is right at your fingertips. Our 24/7 online banking services ensure that you can manage your accounts whenever it suits you.

Stay Connected Anytime

With Vystar, you're always connected to your finances. Our user-friendly tools allow for real-time account management, so you're never out of touch with your money. From checking account balances to making quick transfers, our digital banking services are designed for convenience and peace of mind. Join us at Vystar today and take advantage of our innovative digital banking solutions that fit seamlessly into your lifestyle!

User-Friendly Features

Security is a top priority for us, so we've incorporated electronic signature authorization into our services. This means you can safely sign documents online without needing to visit a branch. Plus, with e-statements available, you can easily keep track of your finances while reducing paper clutter. Our mobile application enhances your banking experience even further. You can make mobile payments with ease and send money to friends or family through our person-to-person transfer feature. No more waiting in line everything you need is accessible on your phone.

Financial Strength

Growing Together

As a testament to our growing member base, we proudly manage a total of 2,036,011 share accounts. This shows the trust that our community places in us for their financial needs. Our net shares available for lending and investments stand at $72,607,517, further indicating our robust position. In conclusion, 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 1 S Orange Ave Orlando Fl 32801 or call (407) 792-7720 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.

Investing in Our Members

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. Additionally, our lending capacity supports members' financial goals across various sectors with $91,613 in used auto loans and $10,061,804,065 in total loans and leases. Our operational efficiency is highlighted by 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, committed team.

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.

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. This solid foundation is reflected in our net worth ratio of $895, 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, 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 flexible terms and competitive rates, making it easier for you to drive away with your dream vehicle.

Business Financing

For business owners, our outstanding commercial loans totaling $880,089,420 provide the capital needed to grow and expand. We understand that every business is unique, which is why we offer personalized solutions that cater specifically to your operational needs.

Credit Lines and Personal Loans

In addition to auto and mortgage loans, we offer comprehensive credit lines totaling $6,811,855,194. This can be a great option if you need flexibility in accessing funds for unexpected expenses or big purchases. Furthermore, our unsecured credit card loans amounting to $680,082,195 provide you with another layer of financial freedom helping members manage their finances effectively while enjoying flexible payment options.

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 work closely with you to find a mortgage plan that fits your budget and lifestyle. Whether you're a first-time homebuyer or looking to refinance an existing loan, we're here to guide you through the process.

Refinancing Options

If you're considering refinancing any existing loans, our team is ready to assist you in finding the best options available. We aim to make refinancing as straightforward as possible so that you can benefit from lower rates or improved terms. At Vystar, we are committed to supporting your financial journey with reliable loan products designed for every stage of life. For more information or to discuss your specific needs, feel free to reach out at (407) 792-7720 or visit us at 1 S Orange Ave Orlando Fl 32801, Orlando, FL. 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 towards achieving your financial dreams!

Loan Aggregator

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Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans