VyStar Credit Union Palm Coast FL: Affordable Auto Loans & Business Banking

Introduction

Welcome to Vystar, your trusted partner in financial well-being, located at 2550 Moody Blvd, Palm Coast, FL 32137. Since our establishment in 1952, we have been dedicated to serving our community with a commitment to member satisfaction and financial growth. With over 997,000 members and total assets exceeding $14.7 billion, Vystar stands as a pillar of strength in the financial landscape. At Vystar, we understand that each member has unique needs. That's why we offer a variety of services, including personal banking options like checking and savings accounts, auto loans, mortgage solutions, credit cards with rewards, and business banking services. Whether you're looking for help with your first car loan or seeking financing for your business, our experienced team is here to assist you every step of the way. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be sent to the same address: 2550 Moody Blvd, Palm Coast, FL 32137. We are proud to offer resources and support tailored just for you. Under the leadership of CEO Brian Wolfburg and Board President Phillip Siddons, our staff of 2,321 employees works diligently to provide exceptional service. Our commitment to our members is reflected in our robust financial standing, with total deposits amounting to $975 million and a net worth of $1.3 billion. We invite you to explore what Vystar has to offer by visiting our website at vystarcu.org or calling us directly at 386-239-1270. Our friendly team is ready to help you achieve your financial goals!

Branch History & Mission

Community Commitment

Vystar isn't just about transactions; we're dedicated to making a difference in the communities we serve. Our partnerships with local organizations help us give back through outreach programs and events aimed at improving the quality of life in Palm Coast and beyond. Whether it's sponsoring educational initiatives or supporting local charities, we aim to uplift everyone around us. Our digital advancements ensure that you can bank on your terms from online banking and mobile payments to electronic signatures all designed to enhance your experience while ensuring compliance with ADA standards. Join us at Vystar in Palm Coast, where your financial goals are within reach! Experience firsthand how we blend personalized service with modern banking solutions tailored just for you. Visit our website at Vystar or call us at 386-239-1270 for more information. Together, let's achieve your financial dreams!

Our Mission

Our mission at Vystar is simple yet powerful: we strive to empower our members by providing exceptional financial services while fostering a sense of belonging and community spirit. We understand that each member's journey is unique, and we're here to support them through various services like checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking solutions. We believe that when our members succeed, the entire community benefits. Located conveniently in Palm Coast, near local landmarks that make it easy for residents to visit us, our branch offers comprehensive services designed with your needs in mind. We have an ATM available for quick cash access and drive-thru banking for those who prefer convenience without leaving their vehicles. While members can visit us at 2550 Moody Blvd, official correspondence should be sent to the same address as our mailing address. We operate with extended hours Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM making it easy for you to drop by.

Branch Location & Accessibility

Welcome to Vystar, your friendly neighborhood credit union located at 2550 Moody Blvd in beautiful Palm Coast, FL! Our branch is easily accessible and conveniently situated near local landmarks, making it simple for you to stop by whenever you need assistance. Whether you're heading to the beach or visiting a nearby park, we're just a quick drive away. At Vystar, we understand the importance of accessibility. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can access our services comfortably. If you're in a hurry, take advantage of our drive-thru banking option for quick deposits and withdrawals without leaving your car. Plus, our ATM is available for your convenience, allowing you to handle transactions any time of day. We invite you to visit us during our operating hours: Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. Our dedicated team is ready to help you with personal banking needs like checking and savings accounts, auto loans, mortgages, and more. While members can visit us at 2550 Moody Blvd, official correspondence should be sent to the same address. If you have any questions or need assistance before your visit, feel free to give us a call at 386-239-1270. We look forward to welcoming you to Vystar and helping you achieve your financial goals!

Member Eligibility

Becoming a member of Vystar is like joining a caring community that prioritizes your financial well-being. We warmly welcome individuals who live, work, or worship in the areas we serve, as well as their family members. This means if you're part of our local community or connected to someone who is, you're likely eligible to enjoy all the benefits we offer from competitive rates on loans to personalized banking services. To get started on your journey with us, simply visit our branch at 2550 Moody Blvd Palm Coast Fl 32137 or give us a call at (386) 239-1270 for any questions you might have. For more detailed information about eligibility requirements, check out this resource: . It's straightforward and inclusive just like we believe banking should be!

Business Banking & Commercial Services

Member Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1861 in commercial loans for our members, helping businesses scale and succeed.

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing. Imagine being able to accept payments seamlessly while focusing on what you do best running your business. Our merchant solutions help streamline transactions and improve cash flow. Visit us at 2550 Moody Blvd, Palm Coast, FL 32137, or call us at 386-239-1270 to learn more about how Vystar can help your business thrive!

Non-Member Support

We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions that can adapt to various needs.

Outstanding Loans

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 Support

For entrepreneurs and business owners, Vystar provides essential business banking services. From merchant services that simplify payment processing to business loans that help you expand or start your venture, we're here to support your ambitions every step of the way.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why our online and mobile banking platforms allow you to manage your finances anytime and anywhere. With features like mobile payments and person-to-person transfers, handling your money has never been easier. Our ATM services also ensure that cash withdrawal is quick and straightforward.

Drive-Thru & ATM Services

At Vystar, we know that sometimes you need quick access to your funds without stepping inside the branch. That's why we offer basic drive-thru banking for simple transactions like deposits and withdrawals as well as ATM access for balance checks and cash withdrawals. Whether you're visiting us in person or managing your account digitally from home, Vystar is here for all your financial needs. For more information on how we can assist you today, give us a call at 386-239-1270 or visit us at Vystar's website. We're excited to be part of your financial journey!

Loans Made Simple

Life can throw unexpected expenses your way, but with our personal loans and debt consolidation options, you'll find relief when you need it most. Plus, if you're interested in building your credit while enjoying perks, check out our credit cards with rewards that let you earn while you spend.

Personal Banking Solutions

When it comes to personal banking, we've got you covered. Whether you're looking to open a checking or savings account, or need assistance with budgeting, our friendly staff is here to guide you. Our checking and savings accounts are designed with your lifestyle in mind, making it easy for you to manage your everyday finances. If you're considering purchasing a new vehicle or refinancing an existing loan, our auto loans and vehicle financing options can help you drive away in the car of your dreams without breaking the bank. And for those looking for a place to call home, we offer mortgage loans and refinancing solutions tailored to fit various budgets.

Digital & Online Banking

Always Available Support

At Vystar, we're committed to providing a user-friendly experience that gives you control over your finances in real-time. Our digital and online banking services offer the flexibility you need, ensuring that you're always connected to your money when it matters most. Embrace the ease of modern banking and discover how our services can enhance your financial journey today!

User-Friendly Features

Security is our top priority. Our online banking system uses advanced encryption technology to keep your personal information safe. You can also take advantage of electronic signature authorization for quicker transactions. Plus, with e-statements available, you can view your account statements securely online rather than waiting for them to arrive in the mail helping you stay organized while reducing paper clutter. For those who prefer mobile banking, we have a dedicated mobile application that makes accessing your accounts from your smartphone a breeze. With features like mobile payments, making purchases is as easy as a few taps on your screen. Whether you're out shopping or grabbing coffee, you can handle your transactions securely.

Financial Strength

Commitment to Excellence

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. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. 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 2550 Moody Blvd Palm Coast Fl 32137 or call (386) 239-1270 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.

Member-Centric 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.

Reinvesting for Your Benefit

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 $10,061,804,065 in total loans and leases support members' financial goals across various sectors.

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. Whether you're interested in a new ride or a trusted pre-owned vehicle, our flexible terms make it easier for you to find the perfect fit.

Business Financing

For business owners looking to grow and expand, our outstanding commercial loans totaling $880,089,420 provide the capital needed to fuel your ventures. We're here to support your ambitions and help you navigate the financing process. If you're considering refinancing or want more information on eligibility options for any of our loan products, feel free to reach out. Call us at 386-239-1270, and our team will be happy to assist you with all your questions. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Vystar, we're committed to helping you achieve financial success through transparent and accessible lending solutions.

Credit Card Loans

Managing day-to-day expenses can be challenging. 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 come with various benefits designed to fit your lifestyle.

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 provide guidance throughout the process to ensure you find the best solution for your situation.

Loan Aggregator

Ensuring Accurate Comparisons

LendMesh takes several steps to ensure accurate loan comparisons: - Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: Unlike many other platforms, LendMesh does not prioritize lenders based on paid promotions. The goal is to provide users with unbiased results that reflect the best options available. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, helping them make informed decisions without delay. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the platform's effectiveness in guiding individuals toward better financial choices. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans