VyStar Credit Union Port Orange FL: Affordable Auto Loans & Business Banking

Introduction

Welcome to Vystar, your trusted partner in financial wellness, located at 750 Dunlawton Ave, Port Orange, FL 32127. Established in 1952, we have been committed to supporting our community with personalized banking services that fit your needs. With a robust membership of nearly 1 million and total assets exceeding $14.7 billion, we pride ourselves on being a solid financial institution you can rely on. At Vystar, we understand that every member has unique goals. That's why we offer a diverse range of services from personal banking, auto loans, and mortgages to business banking solutions. Our total deposits amount to an impressive $975 million, reflecting the trust our members place in us. Additionally, with over 2320 employees dedicated to providing outstanding service, you will always find a friendly face ready to assist you. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 750 Dunlawton Ave, Port Orange, FL 32127-4901. As part of our commitment to transparency and financial empowerment, we maintain a net worth of approximately $1.3 billion and have a cash reserve of around $150 million readily available. Led by our CEO, Brian Wolfburg, and Board President, Phillip Siddons, Vystar is deeply rooted in community engagement and continuous improvement. We are here not just to offer financial products but also to foster lasting relationships with our members. If you're looking for a credit union that puts people first and offers competitive rates on loans with over 497,000 loans under management, look no further! Whether you're interested in opening an account or exploring loan options, don't hesitate to reach out at 386-239-1018 or visit us online at Vystar's Website. Join us today and experience the difference that comes from being part of the Vystar family!

Branch History & Mission

Commitment to Accessibility

Our branch is designed with accessibility in mind. We offer ADA-compliant facilities and services that cater to all members of our community. With an ATM available for easy transactions and drive-thru banking options for convenience, we make banking accessible for everyone. As we look towards the future, Vystar remains dedicated to innovation while staying true to our roots. We invite you to join us on this journey towards financial empowerment. Experience firsthand the benefits of membership at Vystar by visiting us today or calling us at 386-239-1018. Together, let's build a brighter future for ourselves and our community!

Our Journey

Vystar began as a small credit union with a vision to provide accessible financial solutions. Over the decades, we have grown significantly, now holding total assets of over $14.7 billion. This growth reflects not only our financial strength but also our commitment to delivering exceptional service to our members. We believe that everyone deserves access to the tools they need to thrive financially. In addition to traditional banking services such as checking and savings accounts, auto loans, and mortgages, we have embraced technology to enhance our offerings. With features like online banking and mobile payments, we ensure that our members can manage their finances conveniently and securely from anywhere.

Our Mission

At Vystar, our mission is simple yet profound: we strive to improve the lives of our members and support the communities we serve. We are more than just a financial institution; we are a community partner committed to making a positive impact through various outreach programs and initiatives. Our team actively participates in local events and collaborates with organizations that align with our values. We understand that financial wellness goes hand-in-hand with community well-being. That's why we focus on providing education and resources that empower our members to make informed financial decisions. While members can visit us at 750 Dunlawton Ave, official correspondence should be sent to 750 Dunlawton Ave, Port Orange, FL 32127-4901.

Branch Location & Accessibility

Accessibility Features

At Vystar, we prioritize making banking accessible for everyone. Our location features ADA-compliant facilities, ensuring that all members can navigate comfortably. Ample parking is available right outside our branch, so you can quickly park and head inside without hassle.

Connect With Us

While members can visit us at 750 Dunlawton Ave for all their banking needs, official correspondence should be directed to our mailing address at 750 Dunlawton Ave, Port Orange, FL 32127-4901. Have questions? Give us a call at 386-239-1018. We're excited to assist you on your financial journey! Feel free to drop by anytime we look forward to welcoming you at Vystar!

Operating Hours & Services

We understand that life can be busy! That's why our lobby hours are designed to fit your schedule open Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. Whether you're looking to open a checking account, apply for an auto loan, or simply ask a question, our friendly staff is here to help. Our services include personal banking options like checking and savings accounts, as well as loans for vehicles and mortgages. For quick transactions, we also offer drive-thru banking and ATM services, making it even easier for you to manage your finances on the go.

Member Eligibility

At Vystar, we believe that everyone deserves a chance to be part of our welcoming community. Becoming a member is simple and rewarding! If you live, work, worship, or attend school in the areas we serve, you're likely eligible to join us. We pride ourselves on providing a supportive environment where you can access a variety of financial services tailored just for you. Whether you're looking for checking and savings accounts, auto loans, or even credit cards with rewards, our team is here to assist you every step of the way. Ready to take the next step? Opening an account at Vystar is easy! You can visit us at 750 Dunlawton Ave Port Orange Fl 32127 or give us a call at (386) 239-1018 for more information. For detailed eligibility criteria and to stay updated on any changes, check out our website at . Join us today and experience the advantages of being part of Vystar where your financial well-being is our top priority!

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. This means more opportunities for local entrepreneurs like you to realize their ambitions. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions that adapt to your specific needs. - With an outstanding commercial loan portfolio of $880,089,420, we continue to drive economic growth by financing new and expanding businesses across Port Orange, FL.

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing so you can focus on what matters most growing your business. Imagine a customer walking into your store and checking out effortlessly because you have the right tools in place. Our services ensure that transactions are smooth, secure, and quick, enhancing your customer experience and boosting sales. Visit us at 750 Dunlawton Ave Port Orange Fl 32127 in Port Orange, FL, or call us at (386) 239-1018 to discover how we can partner with you on your journey to success!

Comprehensive List Of Services

ATM & Drive-Thru Services

We also provide access to cash through our ATM services and basic drive-thru banking for simple transactions like deposits and withdrawals. This allows you to handle everyday banking needs quickly and efficiently without stepping inside the branch. At Vystar, we're here to support all your financial needs under one roof. With our friendly staff ready to assist you at every step, it's easier than ever to find the right solutions tailored just for you. Ready to experience personalized service? Give us a call at (386) 239-1018 or visit us today at 750 Dunlawton Ave Port Orange Fl 32127 in Port Orange, FL. Let's take the next step in achieving your financial goals together!

Business Services

For business owners, we offer business banking services, including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we understand the importance of having reliable financial support.

Credit Options

Don't forget about our credit cards with rewards! These cards not only give you the purchasing power you need but also reward you for your spending. Use them for everyday purchases or special occasions and watch the benefits add up.

Digital Convenience

In today's fast-paced world, convenience is key. That's why we pride ourselves on our online and mobile banking features. You can manage your accounts anytime, anywhere whether it's transferring funds, checking balances, or paying bills right from your smartphone.

Home Financing

When it comes to buying a home or refinancing your existing mortgage, our mortgage loans are tailored to fit different lifestyles and budgets. We understand that each member's situation is unique, which is why we also provide assistance with personal loans and debt consolidation, helping you take control of your financial future.

Personal Banking

For individuals seeking to manage their finances effectively, we offer personal banking solutions like checking and savings accounts that help you save for your goals. If you're considering a new vehicle, our auto loans and vehicle financing options can provide the support you need. Imagine driving off in your dream car without worrying about how to finance it our competitive rates make this possible.

Digital & Online Banking

Key Services

Our online banking allows you to check balances, transfer funds, and pay bills 24/7. It's all about giving you control over your money when it suits you best. Plus, for those who prefer paperless options, we provide e-statements so you can review your financial activities without the clutter of physical mail. If you're looking to send money quickly, our person-to-person transfers feature makes it simple to send cash to friends and family directly from your account. And if you're always on the move, our mobile application is available for download, putting all these features right in the palm of your hand.

Real-Time Account Management

Managing your finances has never been easier with our user-friendly interface that provides real-time updates on your accounts. You can easily track your spending habits, review transactions, and keep an eye on savings all from one place. At Vystar, we're committed to helping you achieve your financial goals through accessible and innovative banking solutions. Explore all that we offer by visiting https://www.vystarcu.org today!

Security and Accessibility

Security is a top priority for us. Our services include electronic signature authorization, ensuring that your transactions are safe and verifiable. You can feel confident knowing that your financial information is protected every step of the way. With features like mobile payments, making purchases has never been easier or more convenient. Simply use your smartphone to pay for items securely at checkout no need for cash or cards!

Financial Strength

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.

Operational Efficiency

Our $0 net income reflects a year where we strategically focused on growth rather than profits. This allows us to continue offering competitive loan rates and solid financial products for our members without compromising service quality. 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.

Reinvesting for Growth

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 is robust as shown by the $91,613 in used auto loans and an impressive $10,061,804,065 in total loans and leases. This supports our members' financial goals across various sectors.

Solid Foundation

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.

Trustworthy Partnership

Net Shares (Funds available for lending and investments): $72,607,517 demonstrate our commitment to providing resources for your needs. Total Share Accounts: 2,036,011 shows 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 or borrowing or planning for the future, Vystar is your trusted partner. Visit us at 750 Dunlawton Ave Port Orange FL 32127 or call 386-239-1018 to learn more about how we can help you achieve your financial goals.

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. Our financing options are designed to make your car-buying experience easy and affordable.

Business Loans

For business owners, our outstanding commercial loans totaling $880,089,420 provide the capital needed to grow and expand your operations. We understand that running a business comes with its challenges; that's why we're committed to offering solutions that empower entrepreneurs. If you're interested in any of our loan products or would like to explore refinancing options, please don't hesitate to reach out. You can contact us at 386-239-1018 for more information. 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 are dedicated to helping you take control of your financial future!

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 understand that purchasing a home is one of the most significant investments you'll make, and we're here to support you every step of the way.

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, our credit cards come with competitive interest rates and no hidden fees. It's a great way to build your credit while enjoying the convenience of cashless transactions.

Loan Aggregator

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VYSTAR CREDIT UNION - Port Orange, FL

Type of Loan Offerings

Home Equity Loans

Personal Loans