VyStar Credit Union Palm Coast FL: Low Mortgage Rates & Rewards Cards

Introduction

Welcome to Vystar, your trusted financial partner located at 3535 Old Kings Rd N, Palm Coast, FL 32137. Established in 1952, we have proudly grown to serve a vibrant community of nearly 1 million members. Our commitment to providing exceptional financial services is reflected in our impressive assets of over $14.7 billion and total deposits reaching $975 million. At Vystar, we believe in empowering our members through a variety of personalized banking solutions, including checking and savings accounts, auto loans, mortgages, and business banking services. With a dedicated team of 2,321 employees, led by CEO Brian Wolfburg and Board President Phillip Siddons, we strive to create a welcoming environment where your financial goals are our top priority. While you can visit us directly at our branch for all your banking needs, please note that official correspondence should be sent to the same address. Our team is here to assist you with any inquiries you may have feel free to reach us at 904-594-5626. Join the Vystar family today and experience the difference that comes from being part of a credit union that truly cares about its members. For more information about our services or to become a member, visit us online at Vystar Credit Union. We look forward to supporting you on your financial journey!

Branch History & Mission

Vystar Credit Union has a rich history of serving the community, having opened its doors in 1952. Located at 3535 Old Kings Rd N, Palm Coast, FL 32137, this branch is not just a financial institution; it's a place where members come together to support one another and grow. From its humble beginnings, Vystar has evolved into a trusted partner for nearly 1 million members, boasting total assets of over $14.7 billion. Our mission is simple yet powerful: to provide exceptional financial services while supporting our community's well-being. We believe that by helping our members achieve their financial goals, we contribute to the overall health of the communities we serve. Our commitment to service extends beyond traditional banking. We offer a range of products, including personal banking accounts, auto loans, mortgage financing, and business services. In today's fast-paced world, we also prioritize digital advancements like online banking and mobile payments to ensure our members can manage their finances conveniently and securely. While you can visit us at our main branch location in Palm Coast, official correspondence should be sent to the same address for clarity. Our operating hours are Monday through Friday from 11:40 AM to 1:00 PM, making it easy for you to drop by during your day. At Vystar, we pride ourselves on being more than just a credit union. We actively engage with local initiatives and outreach programs that make a difference in people's lives. Our partnerships within the community help us understand and respond to the unique needs of our members. As part of our commitment to accessibility, we ensure that all our facilities meet ADA compliance standards so everyone can benefit from our services without barriers. Join us at Vystar Credit Union and experience firsthand how we put people before profits. Whether you're looking for financial advice or need assistance with your banking needs, we're here for you every step of the way. Together, let's build a brighter future! For more information or to get in touch with us directly, call us at 904-594-5626 or visit our website at vystarcu.org.

Branch Location & Accessibility

Call Us or Stop By!

Whether you're looking to open an account or need assistance with existing services, we invite you to reach out! You can give us a call at 904-594-5626 or come visit us in person. We look forward to serving you at Vystar where your financial well-being is our priority!

Convenient Access and Features

At Vystar, we understand the importance of accessibility. Our branch is designed with features that accommodate everyone, including ADA-compliant entrances and parking spaces to ensure a hassle-free visit. While we don't currently offer ATM services or drive-thru banking, our friendly staff is always on hand during our operating hours from Monday through Friday from 11:40 AM to 1:00 PM to assist you with personal banking services like checking and savings accounts, auto loans, mortgages, and more.

Member Eligibility

At Vystar, we believe that everyone deserves a place to belong, and becoming a member is your first step into our welcoming community. To join us at our Palm Coast location, conveniently situated at 3535 Old Kings Rd N Palm Coast Fl 32137, you simply need to meet a few friendly criteria. Whether you're a resident, employed in the area, or related to someone who is already a member, you might be eligible to open an account with us. The process is straightforward and inclusive, making it easy for you to access all the benefits we offer, from personalized service to competitive rates on loans and savings. If you're ready to take the leap into membership, you'll find that opening an account is just as simple! For detailed information about eligibility requirements, please visit our website at . Should you have any questions or need assistance during your application process, don't hesitate to give us a call at (904) 594-5626. We're here to help you every step of the way!

Business Banking & Commercial Services

Business Loans that Fuel Growth

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 that Simplify Payments

Imagine running a busy café and needing a reliable payment system. Our merchant services provide seamless transaction solutions that keep your customers happy and your operations running smoothly. With tools that help you manage payments efficiently, you can focus more on serving great food and less on worrying about the money side of things. Join us at Vystar, located at 3535 Old Kings Rd N Palm Coast Fl 32137, Palm Coast, FL, where we empower local businesses like yours to thrive! For more information, call us at (904) 594-5626.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While our branch may not have ATMs on-site, we ensure that accessing cash is still straightforward through various partner locations nearby. At Vystar, we pride ourselves on offering these essential services with a personal touch. We believe in building relationships with our members based on trust and understanding their individual financial journeys. If you're ready to explore how we can assist you further or have any questions about our services, feel free to call us at (904) 594-5626 or visit us at 407-matanzas High School. Your financial wellbeing is our priority!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options can help get you on the road faster. With competitive rates and flexible terms, we make it simple for you to drive away in the vehicle you want without breaking the bank.

Business Banking

For entrepreneurs and business owners, we offer comprehensive business banking services including merchant services and business loans. We understand the challenges of running a business, which is why we're dedicated to providing support that helps your venture thrive.

Credit Cards with Rewards

Maximize your spending power with our credit cards featuring rewards. Enjoy benefits like cashback on everyday purchases or travel rewards for those who love to explore. It's more than just a card; it's a way to earn while you spend.

Mortgage Loans & Refinancing

Buying a home is a significant step, and at Vystar, we provide mortgage loans and refinancing options tailored to fit your budget. Whether you're a first-time homebuyer or looking to refinance an existing mortgage for better rates, our knowledgeable team is here to guide you through the process.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking solutions. Manage your accounts anytime, anywhere whether it's paying bills or transferring money between accounts.

Personal Banking

Whether you're opening your first account or managing your family's finances, we offer personal banking services that cater to everyone. Our checking and savings accounts come with features that help you save more while enjoying easy access to your funds. Imagine being able to manage your money effortlessly online or through our mobile app, allowing you to check balances and transfer funds at any time.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our personal loans offer quick access to cash when you need it most. Plus, if you're looking to streamline your finances, our debt consolidation options can help combine multiple debts into one manageable payment, giving you peace of mind.

Digital & Online Banking

Key Features

With 24/7 online banking services, you have the freedom to check balances, pay bills, and transfer money at your convenience. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. You can also enjoy mobile payments, allowing you to make purchases directly from your smartphone. Keeping track of your finances is easier with e-statements, which are readily available for your review. Plus, our electronic signature authorization means you can sign documents securely without needing to visit a branch.

User-Friendly Experience

We prioritize security in all our services, so you can feel confident while banking online. Whether you're using our mobile application or accessing our website through your computer, the experience is designed to be user-friendly and intuitive. This ensures that managing your money is not just efficient but also enjoyable. With Vystar, you're empowered to take control of your finances in real-time. Join us today and experience the convenience of digital banking!

Financial Strength

Commitment to Growth and Innovation

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 $91,613 in used auto loans and $10,061,804,065 in total loans and leases showcase our commitment to supporting your financial goals across various sectors.

Growing Trust Among Members

Total Share Accounts: 2,036,011, demonstrate a strong and growing member base that trusts us with their finances. With net shares available for lending and investments totaling $72,607,517, we are well-positioned to meet your financial needs. 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 3535 Old Kings Rd N Palm Coast Fl 32137 or call (904) 594-5626 to learn more about how we can help you achieve your financial goals.

Member-Focused 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.

Operational Efficiency

Our operational efficiency is reflected in our $0, 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 who are dedicated to serving you with knowledgeable support.

Solid Financial Foundations

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, ensuring you find the right financing option that fits your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $880,089,420 provide the capital needed to grow and expand. We understand that running a business comes with its challenges, and we're here to support you with competitive loan options that can help drive success. At Vystar, we prioritize your financial well-being. If you're interested in refinancing or want to explore eligibility options for any of our loan products, don't hesitate to reach out. You can contact us at (904) 594-5626 for more information or visit us at our branch located at 3535 Old Kings Rd N Palm Coast Fl 32137 in Palm Coast, 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 toward achieving your financial aspirations!

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. Whether you're a first-time buyer or looking to refinance your existing mortgage, our team is here to help you navigate the process seamlessly.

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 excellent way to build credit while enjoying rewards and benefits tailored to your lifestyle.

Loan Aggregator

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Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans