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

Introduction

Welcome to Vystar, your trusted financial partner located at 302 Mellon Rd, Palatka, FL 32177. Since our establishment in 1952, we have dedicated ourselves to serving the needs of our community with integrity and care. With a proud membership of over 997,000 individuals, we are not just a credit union; we are a family committed to helping you achieve your financial goals. At Vystar, we understand that every member's journey is unique. That's why we offer a wide range of services tailored to meet your needs whether it's personal banking solutions like checking and savings accounts, auto loans, or mortgage refinancing, we've got you covered. Our total assets exceed an impressive $14.7 billion, reflecting our strong commitment to providing stability and security for our members. You can trust us with your finances, knowing that our net worth stands at a robust $1.3 billion, ensuring that your deposits are safe and sound. While members can visit us at our branch address, official correspondence should be sent to the same address: 302 Mellon Rd, Palatka, FL 32177. If you're looking for reliable financial services backed by a knowledgeable team of over 2,300 employees, Vystar is here for you. Under the leadership of CEO Brian Wolfburg and Board President Phillip (Kem) Siddons, we continuously strive to enhance your banking experience. With total loans exceeding 497,000 and total deposits reaching $975 million, we are proud to be an integral part of the Palatka community. We invite you to explore what makes Vystar special our focus on member satisfaction and community impact sets us apart. Ready to take the next step? Call us today at 386-329-0577 or visit our website at Vystar Credit Union for more information about how we can help you thrive financially!

Branch History & Mission

Community Connections

Our commitment extends beyond our doors. We actively engage with local organizations and businesses to strengthen ties within our community. By partnering with various groups, we work together to tackle challenges and uplift those around us. Our efforts are not only about numbers but also about making real differences in people's lives. In addition to personal interactions at our branch, we embrace technology that makes banking easier for everyone. Our digital advancements ensure that members can access their accounts anytime from anywhere through online banking and mobile applications. We are also proud to comply with ADA standards, ensuring accessibility for all. While you can visit us at 302 Mellon Rd, please note that official correspondence should be sent to the same address as our mailing address: 302 Mellon Rd, Palatka, FL 32177.

Join Us

As you explore your financial options, consider becoming part of the Vystar family. We invite you to experience firsthand what it means to be a member of a credit union that genuinely cares about your success. With no ATM availability or drive-thru service currently offered at this branch, we focus on building relationships within our lobby hours Monday, Tuesday, and Friday from 12:15 PM to 1:00 PM. Take the next step towards achieving your financial goals with Vystar! For any inquiries or assistance, feel free to call us at 386-329-0577. Join us today and let's build a brighter financial future together!

Mission Statement

At Vystar, our mission is clear: to empower our members with financial knowledge and resources while fostering a sense of community. We believe in more than just providing banking services; we strive to enhance the lives of those we serve by supporting local initiatives and promoting financial literacy. Whether it's through educational workshops or community outreach programs, we are dedicated to making a positive impact in Palatka and beyond.

Branch Location & Accessibility

Comprehensive Banking Services

While visiting us, you'll find a range of services tailored just for you whether it's opening checking and savings accounts or exploring auto loans and credit cards with rewards. Although we do not currently have an ATM or drive-thru service available at this location, our team is here to help guide you through any transactions you may need. If official correspondence is required, please note that it should be sent to the same address: 302 Mellon Rd, Palatka, FL 32177.

Easy Access for Everyone

Our location is designed with your convenience in mind. We have ample parking available right outside the branch, ensuring you can quickly pop in for your banking needs. The facility is also ADA compliant, featuring ramps and accessible entrances for all our members.

Let’s Connect!

Ready to take charge of your financial future? Give us a call at 386-329-0577 or visit us during our operating hours. At Vystar, we're committed to providing personalized service and support because your financial well-being matters to us!

Operating Hours That Fit Your Schedule

At Vystar, we understand that life can be busy. That's why we offer lobby hours on Monday, Tuesday, and Friday from 12:15 PM to 1:00 PM. Whether you're looking to open a new account or discuss loan options, our friendly staff is ready to assist you during these hours.

Member Eligibility

Becoming a member of Vystar is like joining a warm and welcoming family that truly cares about your financial well-being. If you're wondering who can join us, the good news is that eligibility is quite broad! Generally, anyone who lives, works, worships, or attends school in the area around 302 Mellon Rd Palatka Fl 32177 can become a member. This means that you're not just gaining access to our services; you're becoming part of a community that prioritizes your needs and aspirations. To learn more about the specific eligibility criteria, feel free to check out our detailed information at . The process to open an account with us is designed to be simple and straightforward. You can start your journey towards membership by visiting our website or giving us a call at (386) 329-0577. We're here to guide you every step of the way and ensure that you enjoy all the benefits of being part of Vystar. From personal banking options to loans and credit cards with rewards, there's something for everyone. Join us today and experience the difference!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer robust merchant services that simplify payment processing. Imagine effortlessly accepting payments from customers, whether they're paying in-store or online. This means you can focus on what truly matters running your business. Our services are built with your needs in mind, ensuring smooth transactions so you can keep your customers happy. Located at 302 Mellon Rd Palatka Fl 32177, Palatka, FL 32177, our dedicated team is ready to assist you. If you're interested in learning more about how we can support your business goals, don't hesitate to reach out at (386) 329-0577. Join us at Vystar and let's work together towards your success!

Tailored Financing 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

Business Banking

For local businesses, we offer comprehensive banking solutions including Merchant Services & Business Loans. Whether you're starting a new venture or expanding an existing one, our team can guide you through the financing process, ensuring you have the resources to thrive in today's market.

Digital Banking

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking features. You can easily manage your accounts from anywhere at any time whether it's checking your balance, transferring funds, or paying bills with just a few taps on your smartphone. Our digital services also include options for ATM & Cash Withdrawal Services, ensuring you have access to cash when you need it. At Vystar, we understand that financial needs vary from person to person and business to business. That's why we are proud to offer such a comprehensive suite of services designed with flexibility and accessibility in mind. For any questions about our services or how we can assist you further, feel free to reach out at 386-329-0577. We're here to support all your financial needs! Ready to experience the benefits of Vystar? Visit us today!

Personal Banking

Our personal banking services include everything from Checking & Savings Accounts to Auto Loans & Vehicle Financing. Imagine you just bought a new car; with our competitive auto loan rates, you can drive away with confidence knowing you're getting a great deal. Plus, we offer Mortgage Loans & Refinancing options that can help you secure your dream home or lower your monthly payments. If you're facing unexpected expenses or want to consolidate debt, our Personal Loans can provide the financial relief you need. And don't forget about our Credit Cards with Rewards that not only give you purchasing power but also allow you to earn rewards on your everyday spending.

Digital & Online Banking

At Vystar, we understand that managing your finances should be as easy and secure as possible. That's why we offer a comprehensive range of digital and online banking services designed to fit your busy lifestyle. With our 24/7 online banking services, you can access your accounts anytime, anywhere. Whether you're checking your balance, transferring funds, or paying bills, our user-friendly platform ensures you have full control over your finances. Explore the convenience of our online banking features at https://www.vystarcu.org. You can easily enroll in e-statements, allowing you to view your financial information without the clutter of paper statements. Plus, with electronic signature authorization, signing documents has never been simpler or more secure. Need to send money to a friend or family member? Our person-to-person transfer feature makes it quick and easy to send money with just a few taps on your mobile device. And speaking of mobile devices, our mobile application is available for download, giving you the power to manage your finances right from your pocket. If you're on the go and need to make payments, take advantage of our mobile payments feature. It allows you to make purchases quickly and securely using your smartphone. At Vystar, we're committed to providing services that are not only convenient but also safe. We prioritize security measures so that you can bank with peace of mind. Enjoy real-time account management and easy access to all our digital services your finances are just a click away!

Financial Strength

Efficient Operations

Our $0 reflects our operational efficiency, enabling 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.

Growing Together

Total Share and Deposit Accounts: 2,036,011, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $72,607,517. 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 302 Mellon Rd Palatka Fl 32177 or call (386) 329-0577 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 Your Future

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. 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.

Member-Centric Savings

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.

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 $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

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 cater to both new and used vehicles to ensure you find the best fit for your budget.

Business Financing

For business owners looking for growth opportunities, our outstanding commercial loans totaling $880,089,420 provide the capital needed to expand operations or invest in new projects. We understand the unique challenges businesses face and are here to support your journey.

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 aim to help you navigate through the process smoothly, whether it's your first home or an investment property.

Refinancing Options

If you're considering refinancing any existing loans or credit lines for better rates or terms, our team can guide you through available options tailored specifically for your situation. Our branch is conveniently located at 302 Mellon Rd, Palatka FL 32177, and we're here to assist you during our operating hours: Monday, Tuesday, and Friday from 12:15 PM to 1:00 PM. You can also reach us at (386) 329-0577 for any inquiries regarding our loan offerings. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Whether you're ready to apply or just exploring your options, Vystar is dedicated to helping you take that next step toward financial success.

Unsecured Credit Card Loans

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. These cards provide an easy way to handle daily expenses while giving you the freedom to pay off balances at your own pace.

Loan Aggregator

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Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans