VyStar Credit Union Palatka FL: Quick Personal Loans & ATM Access

Introduction

Welcome to Vystar, your trusted financial partner located at 510 S State Road 19, Palatka, FL 32177. Since our establishment in 1952, we've been dedicated to serving our community with a personal touch and a commitment to helping you achieve your financial goals. With over 997,469 members and more than $14.7 billion in total assets, we pride ourselves on being a reliable resource for all your banking needs. At Vystar, we understand that every member's journey is unique. That's why we offer a range of services tailored to fit your lifestyle from checking and savings accounts to auto loans and mortgages. Our experienced team, led by CEO Brian Wolfburg and Board President Phillip (Kem) Siddons, is here to support you every step of the way. While members can visit us at our branch in Palatka, official correspondence should be sent to the same address. Our commitment extends beyond transactions; we aim to make a positive impact in our community by offering financial education and fostering long-lasting relationships with our members. With a strong net worth of over $1.3 billion and total deposits amounting to $975 million, we ensure that your funds are secure while providing competitive rates on loans and savings options. Whether you're looking for personal loans, credit cards with rewards, or business banking solutions, Vystar has got you covered. We invite you to call us at 386-239-1220 or visit our website at vystarcu.org to learn more about how we can assist you today! Join us in building a brighter financial future together.

Branch History & Mission

Commitment to Service

As part of our dedication to convenience and accessibility, our branch offers ATM services and drive-thru banking for quick transactions. Our operating hours are designed with you in mind: Monday through Thursday from 9 AM to 5 PM, Friday until 6 PM, and Saturday from 9 AM to 1 PM. Whether you prefer online banking or face-to-face interactions, we've got options that cater to everyone. We pride ourselves on being ADA compliant and embracing digital advancements that make managing your finances easier than ever. From mobile payments to e-statements, we are here to provide innovative solutions while ensuring every member feels valued.

Community Focus

At Vystar, we believe that our growth is tied directly to the growth of our community. We collaborate with local organizations and support initiatives that promote education, health, and economic development in Palatka and beyond. Together with our members, we strive to make a positive impact on the lives of those around us. As we look toward the future, we invite you to join us on this journey. Experience firsthand what it means to be part of Vystar where your financial goals are supported by a team that genuinely cares about your success. Become a member today and discover how we can help you achieve your dreams! For more information or assistance, please call us at 386-239-1220 or visit our website at vystarcu.org.

Our Mission

Our mission is simple yet profound: to improve the financial well-being of our members and the communities we serve. We are committed to offering personal banking solutions that fit your lifestyle, from checking and savings accounts to auto loans and mortgages. At Vystar, we understand that financial empowerment goes hand-in-hand with community support. That's why we actively participate in local initiatives and outreach programs designed to uplift those around us. While members can visit us at 510 S State Road 19 in Palatka for all their banking needs, official correspondence should be sent to the same address as our mailing address.

Branch Location & Accessibility

A Friendly Invitation

Whether you're a current member or considering joining us at Vystar, we invite you to stop by our branch. Our team is eager to provide personalized service and support as you navigate your financial journey. If you have any questions or need assistance before visiting, feel free to give us a call at 386-239-1220. We're here for you!

Nearby Landmarks and Accessibility Features

Our branch is conveniently located near local landmarks, making it easy to drop by while you're out running errands or enjoying a day in the area. With ample parking available right outside our doors, accessing our services is hassle-free. We take pride in ensuring that our facilities are ADA compliant, featuring ramps and easy access points so everyone can comfortably visit us.

Operating Hours and Services

At Vystar, we understand that your time is valuable. That's why we offer flexible operating hours to suit your schedule. You can visit us from Monday to Thursday between 9 AM and 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Our dedicated staff is ready to assist you during these hours. We offer a range of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered! Plus, for those quick transactions, enjoy the convenience of our drive-thru service and ATM availability right on-site.

Member Eligibility

At Vystar, we believe that everyone deserves a chance to join a community that truly cares. Becoming a member is simple and welcoming! If you live, work, or worship in the Palatka area, you're likely eligible to join our family. We're dedicated to providing financial services tailored just for you, whether it's saving for a dream or securing a loan for your next adventure. To get all the specific eligibility details, feel free to check out our website at . Opening an account with us is straightforward and designed with you in mind. Our friendly team at Vystar is here to assist you every step of the way. You can give us a call at (386) 239-1220 if you have any questions or want to know more about the process. So why wait? Join us at 510 S State Road 19 Palatka Fl 32177 and experience the benefits of being part of something special!

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 offer merchant services that simplify payment processing. Imagine being able to accept payments quickly and securely, allowing you more time to focus on growing your business. Our tools help streamline transactions, making it easier for you and your customers. Visit us at 510 S State Road 19 Palatka Fl 32177 or call us at (386) 239-1220 to learn how we can help your business thrive!

Comprehensive List Of Services

Accessibility

To ensure that all members have access to essential services, we provide Basic ATM Access for withdrawals and balance checks as well as drive-thru banking options for deposits and withdrawals during lobby hours. At Vystar, we strive to create a welcoming environment where everyone feels valued and supported. If you have questions about any of our services or need assistance navigating your financial options, please reach out to us at (386) 239-1220. We're here to help! Explore all that Vystar has to offer by visiting us today! Your financial future is brighter with us by your side.

Business Banking Solutions

For our entrepreneurial members, we offer specialized Business Banking services, including Merchant Services & Business Loans. These tools can help elevate your business and simplify transactions, giving you more time to focus on what matters most growing your venture.

Credit Cards and Rewards

Who doesn't love rewards? Our Credit Cards with Rewards allow you to earn points for everyday purchases. Use them wisely and watch your rewards grow!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features. You can manage your accounts from anywhere with ease check balances, transfer funds, or pay bills all from the comfort of your home or while on the go. Plus, with our ATM & Cash Withdrawal Services and Basic Drive-Thru Banking, accessing cash or handling simple transactions is quick and straightforward.

Personal Banking Services

Managing your finances has never been easier. With our Checking & Savings Accounts, you can choose the account that best fits your lifestyle. Imagine having easy access to your funds while earning interest on your savings our accounts make it possible. For those dreaming of a new car or needing a reliable vehicle, our Auto Loans & Vehicle Financing options offer competitive rates and flexible terms, ensuring that you can get behind the wheel without stress. If homeownership is on your radar, our Mortgage Loans & Refinancing services provide various choices designed to fit different budgets and needs. We also understand that life can bring unexpected expenses; that's where our Personal Loans & Debt Consolidation options come in handy. They can help you consolidate debt or manage emergencies efficiently.

Digital & Online Banking

Key Features

Our online banking service is available 24/7, allowing you to check balances, transfer funds, and pay bills anytime you need. Need to send money to a friend? Our person-to-person transfers make it quick and easy to share funds with just a few taps on your device. Plus, if you prefer to go paperless, our e-statements are readily available, providing a simple way to keep track of your finances while helping the environment. For those who enjoy banking on the go, our mobile application gives you full access to your accounts right from your smartphone. You can even use mobile payments for secure transactions without the need for cash or cards. And with electronic signature authorization, signing documents is straightforward and hassle-free.

Security and Accessibility

We prioritize your security. Our online services use advanced encryption technology to ensure your information is safe at all times. You can bank confidently knowing that we have taken every step necessary to protect your data. Whether you're at home or out and about, Vystar makes it easy to manage your finances in real-time. With just a few clicks or taps, you can stay on top of your financial goals without any added stress. Experience the ease of banking with us today!

Financial Strength

Commitment to Excellence

Our operational efficiency is reflected in our performance; despite reporting a net income of $0 this period an uncommon occurrence we remain committed to serving you with the best products possible. 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 dedicated to your needs.

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. Additionally, Net Shares (Funds available for lending and investments) amount to $72,607,517, demonstrating our commitment to supporting your financial journey. Our financial strength means we can continue serving you with confidence. Whether you're saving for the future or planning your next big purchase, Vystar is your trusted partner. Visit us at 510 S State Road 19 Palatka FL 32177 or call 386-239-1220 to learn more about how we can help you achieve your financial goals.

Member-Centric Approach

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.

Reinvestment in Services

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 a total of $10,061,804,065 in loans and leases.

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 8.95% 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

Additional Loan Options

For those looking for business solutions, our outstanding commercial loans totaling $880,089,420 provide the capital needed to grow and expand your business. We also offer various credit lines to help manage cash flow and unforeseen expenses with a total of $6,811,855,194 available for credit lines. If you're considering refinancing any existing loans or want to explore eligibility options for any of our products, don't hesitate to reach out. We're here to discuss how we can best serve your financial needs. Feel free to contact us at 386-239-1220 or visit us during our operating hours: Monday-Thursday from 9 AM to 5 PM; Friday from 9 AM to 6 PM; Saturday from 9 AM to 1 PM. 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 Vystar be your partner in achieving your financial goals today!

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 purchasing a brand-new vehicle or a reliable used one, our financing options make it easy and affordable.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $701,523,958, making buying or refinancing simple. We are here to guide you through the process every step of the way so that you can find the right solution for your home financing needs.

Unsecured Credit Card Loans

Managing everyday expenses is important, which is 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, our credit cards provide you with the flexibility you need without breaking your budget.

Loan Aggregator

Benefits of Using LendMesh

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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. Each lender listed has been thoroughly vetted to guarantee that only legitimate financial institutions are included in the comparisons.

VYSTAR CREDIT UNION - Palatka, FL

Type of Loan Offerings

Home Equity Loans

Personal Loans