VyStar Credit Union Ormond Beach FL: Best Auto Loans & Mortgage Rates

Introduction

Welcome to Vystar, your trusted partner in financial well-being, located at 1301 W Granada Blvd, Ormond Beach, FL 32174. Since our establishment in 1952, we have proudly served our community and are dedicated to providing exceptional personal and business banking services. With a robust membership of nearly 1 million individuals, we understand the importance of building lasting relationships with our members. At Vystar, we recognize that each member's financial journey is unique. Our total assets amount to an impressive $14.7 billion, ensuring that we have the resources to support you through various financial needs from auto loans and mortgages to personal loans and credit cards with rewards. We currently hold total deposits of $975.5 million and maintain a net worth of $1.3 billion, reflecting our commitment to financial stability and growth for our members. Our branch is equipped with essential services such as online and mobile banking, ATMs, and drive-thru access for your convenience. Whether you're looking for personal banking options or business solutions, our experienced team is ready to assist you every step of the way. While members can visit us at our branch address, official correspondence should be sent to 1301 W Granada Blvd, Ormond Beach, FL 32174-5916. For any inquiries or assistance, feel free to contact us at 386-239-1008 during our operating hours: Monday to Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. Join us at Vystar today and experience a credit union that puts your needs first!

Branch History & Mission

Our Mission

At Vystar, our mission is clear: to enhance the quality of life for our members and the communities we serve. We believe that everyone deserves access to reliable financial resources and support. Our focus is not just on transactions but on building lasting relationships based on trust and understanding. We also take pride in our commitment to the community. Whether it's through local partnerships or outreach programs, we aim to make a meaningful impact. Our initiatives range from financial education workshops to charitable contributions that uplift those in need. While you can visit us at 1301 W Granada Blvd, official correspondence should be sent to 1301 W Granada Blvd, Ormond Beach, FL 32174-5916 if you wish to reach out via mail. Our branch operates with convenience in mind; we welcome you Monday through Thursday from 9 AM to 5 PM and Friday until 6 PM. Additionally, we offer ATM services and drive-thru banking for your convenience. As technology continues to shape the way we do business, we embrace digital advancements while ensuring accessibility for all. From online banking services to mobile payments, we strive to meet the needs of our members in today's fast-paced world. We invite you to join Vystar and experience firsthand how we can assist you in achieving your financial goals while supporting your community. Together, let's build a brighter future! For any inquiries or assistance, please feel free to call us at 386-239-1008 or visit our website at Vystar.

Branch Location & Accessibility

Welcome to Vystar, your friendly neighborhood credit union located at 1301 W Granada Blvd in beautiful Ormond Beach, Florida! Nestled conveniently along this well-traveled road, we are easily accessible for all your banking needs. Whether you're stopping by after visiting the nearby scenic parks or grabbing a bite at one of the local eateries, our branch is here to serve you with a smile. At Vystar, we understand that accessibility matters. That's why our branch features ADA-compliant ramps and ample parking spaces to ensure everyone can visit us comfortably. If you need assistance or have questions during your visit, our friendly staff is always ready to help. While members can visit us at 1301 W Granada Blvd for their banking needs, official correspondence should be sent to the same address as our mailing address: 1301 W Granada Blvd, Ormond Beach, FL 32174-5916. We know that life can get busy, which is why we offer convenient operating hours. Our lobby is open Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. Need to make a quick transaction? We also provide drive-thru banking services for deposits, withdrawals, and other simple transactions perfect for those on the go! Plus, our ATM is available for cash withdrawals and balance checks whenever you need it. Vystar offers a range of personal banking services tailored just for you whether you're looking for checking and savings accounts, auto loans, mortgage options, or even business banking solutions. We're dedicated to making your banking experience straightforward and enjoyable. Ready to take the next step? We invite you to stop by our Ormond Beach branch or give us a call at 386-239-1008. Experience the Vystar difference today!

Member Eligibility

Joining the Vystar community means becoming part of a supportive network that values your financial well-being. To become a member of Vystar, you just need to meet a few simple eligibility criteria. Generally, anyone who lives, works, worships, or attends school in certain areas can join. This includes family members of existing members, making it easier to share the benefits of membership with your loved ones. By becoming a member at our branch located at 1301 W Granada Blvd, Ormond Beach, FL 32174, you'll gain access to personalized financial services designed to help you reach your goals. Plus, being part of Vystar comes with great advantages like competitive rates on loans and savings products tailored for you. The process of joining is straightforward and welcoming. You can learn more about the specific eligibility requirements by visiting our website at Vystar Eligibility. If you're ready to take the next step and open an account, we're here to assist you! For questions or assistance, feel free to call us at 386-239-1008. We're excited to welcome you into our Vystar family!

Business Banking & Commercial Services

Business 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 provide essential merchant services designed for today's fast-paced marketplace. Our solutions allow you to accept payments easily, manage transactions efficiently, and ensure your cash flow remains steady. Whether you're a small shop or a growing enterprise, our services help streamline your operations so you can focus on what you do best running your business. Visit us at 1301 W Granada Blvd Ormond Beach Fl 32174 in Ormond Beach, FL, or call us at (386) 239-1008 to learn more about how we can partner with you for success!

Comprehensive List Of Services

Accessing Your Funds Made Easy

We know how important it is to access cash when you need it. Our branch provides easy access through ATM services, where you can withdraw cash or check balances without hassle. For straightforward transactions like deposits or withdrawals, our drive-thru banking offers a quick solution without leaving your vehicle. At Vystar, we believe in providing financial solutions that empower our members. We're not just here for transactions; we're here for life's moments big and small. To learn more about how we can assist you further or if you have any questions about our services, don't hesitate to reach out at (386) 239-1008 or visit us at 1301 W Granada Blvd Ormond Beach Fl 32174 in Ormond Beach. We look forward to serving you!

Business Banking Services

If you're a business owner, you'll appreciate our tailored solutions. Our business banking services, including merchant services and business loans, are crafted to support your entrepreneurial journey. We understand that running a business requires reliable financial partners, and we're here to help you succeed.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services that allow you to manage your accounts anytime, anywhere. With features like mobile payments and person-to-person transfers, handling your finances has never been easier. You can quickly check balances, make transfers, or pay bills all from the comfort of your home or on-the-go.

Personal Banking Solutions

When it comes to personal banking, we offer a variety of options that fit your lifestyle. Our checking and savings accounts come with features designed to help you save more efficiently. Imagine having an account that not only keeps your money safe but also rewards you for saving! We also provide auto loans and vehicle financing, making it easier for you to drive away in your dream car without breaking the bank. For those looking to own a home, our mortgage loans and refinancing options can help you navigate the housing market with ease. If unexpected expenses arise, our personal loans and debt consolidation services are available to provide quick relief. Plus, our credit cards with rewards let you earn points on your everyday purchases perfect for treating yourself later!

Digital & Online Banking

Security First

At Vystar, we take your security seriously. Our systems are designed with advanced security measures to ensure that your personal information is safe while you bank online. You can rest easy knowing that every transaction is protected. In a world where time is precious, we believe that managing your finances should be easy and efficient. Explore all these digital banking options today at https://www.vystarcu.org and discover how Vystar makes banking simpler for you!

User-Friendly Features

Our online banking system is not just user-friendly; it's packed with features that enhance your banking experience. You can enjoy the convenience of e-statements, allowing you to view and download your account statements digitally no more waiting for the mail! Plus, with electronic signature authorization available, signing documents has never been easier or more secure. For those who prefer using their mobile devices, our mobile application makes it simple to bank on the go. With options for mobile payments, you can make purchases directly from your phone with ease. And if you need to send money to friends or family quickly, our person-to-person transfer feature allows for quick transactions without any hassle.

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 are proud to share our strong financial position, which reflects our commitment to providing you with reliable services and peace of mind. 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 supports members' financial goals across various sectors with $91,613 in used auto loans and an impressive $10,061,804,065 in total loans and leases. Our operational efficiency is reflected in our current net income of $0, demonstrating how effectively we manage resources while still supporting member needs. 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. Net Shares (Funds available for lending and investments): $72,607,517. Total Share Accounts: 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 1301 W Granada Blvd Ormond Beach FL 32174 or call 386-239-1008 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

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 interested in financing a new ride or need support for a dependable used vehicle, our team is ready to assist you with flexible terms tailored to your circumstances.

Business Financing

For business owners, our outstanding commercial loans totaling $880,089,420 provide the capital needed to grow and expand your operations. We understand that businesses have unique financing needs and are committed to offering customized solutions that work for you. At Vystar, we prioritize making loan processes clear and accessible. If you're considering refinancing or exploring eligibility options for any of our products, don't hesitate to reach out. Our team is dedicated to providing support every step of the way. For more information or assistance with your loan inquiries, please call us at 386-239-1008. 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 achieve your financial dreams!

Credit Lines and Unsecured Loans

In addition to our auto and mortgage offerings, we provide flexible credit lines totaling $6,811,855,194 to meet your varied borrowing needs. We also have unsecured credit card loans available with a total of $680,082,195. These options are designed to help you manage expenses effectively without collateral requirements.

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 personalized guidance to ensure that you feel confident throughout the process.

Loan Aggregator

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How LendMesh Ensures Accurate Loan 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), ensuring fair and transparent offers. This commitment to accuracy means you can trust that the information you receive reflects current market conditions.

Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans