VyStar Credit Union Saint Augustine FL: Low Mortgage Rates & Auto Loans

Introduction

Welcome to Vystar, your trusted financial partner located at 3970 A1A S, Saint Augustine, FL 32080. Since our establishment in 1952, we have proudly served our members with a commitment to excellence and community support. With a total membership of 997,469, we strive to create financial solutions that enhance the lives of those in our community. At Vystar, we understand that every member's financial journey is unique. That's why we offer a wide range of services tailored to meet your needs, from personal banking options like checking and savings accounts to auto loans, mortgages, and business financing. With total assets amounting to an impressive $14,746,180,513 and total deposits reaching $975,513,063, our financial strength allows us to provide competitive rates and reliable services. Under the leadership of our CEO, Brian Wolfburg, and Board President Phillip Siddons, Vystar has grown into a cornerstone of the Saint Augustine community. Our dedicated team of 2,321 employees is here to ensure you receive personalized service every time you visit us or contact us at 904-594-5684. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 3970 A1A S, Saint Augustine, FL 32080-6940. Join us in building a brighter financial future together! Explore more about what we offer by visiting our website at Vystar, or stop by to see how we can help you achieve your financial goals today!

Branch History & Mission

Community Commitment

Vystar not only focuses on financial growth but also invests in community welfare through various partnerships and outreach efforts. From sponsoring local events to supporting charitable organizations, we are committed to uplifting those around us. With operating hours from Monday to Thursday 9 AM - 5 PM and Friday 9 AM - 6 PM, we aim to be available when you need us most. Our drive-thru service and ATM availability ensure that accessing your funds is always convenient.

Join Us

As we continue to grow and evolve, we invite you to become part of the Vystar family. Experience personalized service tailored just for you. Together, let's build a brighter future one where your financial goals are within reach. For more information or assistance, feel free to call us at 904-594-5684 or visit our website at Vystar. We look forward to serving you!

Our Journey

Located at 3970 A1A S, Saint Augustine, FL 32080, our branch has seen significant milestones throughout its history. Vystar was founded with the goal of providing accessible and affordable financial services. Over the years, we have continually adapted to meet the changing needs of our members while maintaining our core mission of service and support. Our commitment extends beyond just banking. We focus on empowering our members through education and community engagement initiatives. Whether it's offering workshops on personal finance or collaborating with local organizations for outreach programs, we strive to make a positive impact in every way possible.

Our Mission

At Vystar, our mission is clear: to enhance the lives of our members by providing excellent financial services while fostering a sense of community. We believe in treating each member like family and are dedicated to ensuring that everyone feels valued and supported. We offer a range of services including personal banking accounts, auto loans, mortgages, and business banking solutions all designed with your needs in mind. Additionally, we pride ourselves on having modern conveniences such as online and mobile banking options available at your fingertips. While members can visit us at 3970 A1A S, official correspondence should be sent to 3970 A1A S, Saint Augustine, FL 32080-6940 if different from the branch address.

Branch Location & Accessibility

ATM Availability

Need cash? No problem! Our branch is equipped with an ATM that allows you to withdraw funds and check your balance anytime during operating hours. While members can visit us at 3970 A1A S Saint Augustine Fl 32080, official correspondence should be sent to our mailing address at 3970 A1A S, Saint Augustine, FL 32080-6940.

Come Visit Us!

We invite you to stop by and discover how Vystar can help with all your personal banking needs, from checking and savings accounts to auto loans and mortgages. Our friendly staff is eager to serve you and answer any questions you may have. For more information or assistance, give us a call at (904) 594-5684. We can't wait to welcome you!

Convenient Access

Our branch offers ample parking space to make your visit hassle-free. Plus, we take pride in being fully accessible to everyone, with ADA-compliant features ensuring that all members can comfortably navigate our facilities. If you're in need of quick banking services on the go, we also have a drive-thru available for easy deposits and withdrawals without having to leave your car.

Operating Hours

At Vystar, we understand that life can get busy! That's why we're here for you Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. Our team is ready to assist you with anything from opening a new account to applying for loans during these hours.

Member Eligibility

Joining the Vystar family is a warm invitation to be part of a supportive community where your financial well-being comes first. To become a member at our branch located at 3970 A1A S, Saint Augustine, FL 32080, you'll need to meet a few simple eligibility criteria. Generally, those who live, work, worship, or attend school in certain areas can join us. We believe in making banking accessible for everyone, so if you're unsure about your eligibility, we encourage you to check out the detailed information available at this link. Once you see that you qualify, opening an account is easy and straightforward! You can start your journey with us by reaching out at 904-594-5684 or visiting us in person. Our friendly team is here to guide you through every step of the process. Enjoy the perks of being a member like personalized service and community involvement when you choose Vystar as your financial partner.

Business Banking & Commercial Services

Lending Options for 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 Make a Difference

Imagine having reliable tools that make transactions smooth for your customers. Our merchant services help businesses accept payments easily, whether in-store or online. This means you can focus on what you do best running your business while we handle the complexities of payment processing. Visit us at 3970 A1A S Saint Augustine Fl 32080 in Saint Augustine, FL, or call us at (904) 594-5684 to discover how our business banking and commercial services can help your venture thrive!

Comprehensive List Of Services

Business Banking

For entrepreneurs and small business owners, we offer specialized Business Banking solutions including merchant services and business loans. We're committed to supporting local businesses by providing the financial tools necessary for growth and success.

Convenient Access

In today's fast-paced world, convenience matters. That's why we also provide ATM & Cash Withdrawal Services, along with basic drive-thru banking options for deposits and withdrawals. Whether you're on the go or prefer face-to-face interactions, we strive to meet you where you are. At Vystar, we're not just about transactions; we're about relationships. Our friendly staff is always ready to assist you with any questions or concerns. We invite you to visit us at 3970 A1A S Saint Augustine Fl 32080 or give us a call at (904) 594-5684 to learn more about how our services can benefit you. Explore all that we have to offer today your financial journey starts here! For more information, visit our website at https://www.vystarcu.org.

Credit Cards

Our Credit Cards with Rewards allow you to earn points on everyday purchases, giving you more value from your spending. Picture yourself enjoying rewards that could go towards travel or shopping simply by using your card for regular expenses.

Loans and Financing

When it comes to Auto Loans & Vehicle Financing, we provide competitive rates to help you drive away in the car of your dreams without breaking the bank. If you're looking for a place to call home, our Mortgage Loans & Refinancing options can assist you in finding the right fit for your budget. Additionally, our Personal Loans & Debt Consolidation services are here to help simplify your finances and reduce stress.

Personal Banking

We understand that managing your money is essential. That's why we offer Personal Banking services, including checking and savings accounts designed to help you reach your financial goals. With our user-friendly online and mobile banking platforms, you can access your accounts anytime, anywhere. Imagine being able to check your balance or transfer funds while waiting in line at the grocery store!

Digital & Online Banking

Convenient Online Services

With our 24/7 online banking services at https://www.vystarcu.org, you can access your accounts, pay bills, and transfer funds without stepping foot in a branch. Whether you're at home or on the go, managing your finances is just a click away. Plus, our mobile application ensures that you can handle your banking tasks from the palm of your hand, making it easier than ever to keep track of your spending and savings.

Go Green with E-Statements

Say goodbye to paper clutter! With e-statements available, you can receive your account statements electronically. This not only helps the environment but also gives you quick access to your financial records whenever you need them.

Modern Payment Solutions

Embrace the future of payments with our mobile payments feature. You can make purchases using your smartphone effortlessly while enjoying the peace of mind that comes from our secure technology. At Vystar, we're committed to providing accessible and user-friendly digital banking options that fit your lifestyle. Explore all these services today and take control of your finances with confidence!

Secure Transactions

Your security is our top priority. Our platform includes features like electronic signature authorization, allowing you to sign documents securely without the hassle of printing or mailing. And with person-to-person transfers available, sending money to friends or family is fast and easy no cash needed!

Financial Strength

Growing Membership Trust

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 3970 A1A S Saint Augustine Fl 32080 or call (904) 594-5684 to learn more about how we can help you achieve your financial goals.

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.

Operational Efficiency

Our commitment to 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

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.

Solid Financial 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.

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 financing a brand-new model or a reliable pre-owned vehicle, our competitive rates and flexible terms can make car ownership more accessible than ever.

Business Loans

For business owners, our outstanding commercial loans totaling $880,089,420 provide the capital needed to grow and expand. We recognize that businesses are vital to our community's economic health, and we're here to support your ventures with the funding they need.

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 offer various plans tailored to fit your budget and lifestyle, ensuring that you have the support needed every step of the way.

Refinancing Options

If you're considering refinancing any existing loans, we encourage you to reach out for personalized assistance. Our team is dedicated to helping you explore eligibility options that may lead to better rates or terms on your current debt. With various loan products available at Vystar, we strive to meet all your borrowing needs in one place. For more information or to speak with one of our friendly representatives, feel free to call us at (904) 594-5684. We're located at 3970 A1A S Saint Augustine Fl 32080, Saint Augustine, FL, ready to assist you during our operating hours: Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 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. Your financial future starts here let us help you take the next step!

Unsecured Credit Card Loans

Managing finances effectively is crucial for everyone, and we also offer flexible terms on unsecured credit card loans, with a total of $680,082,195 in loans helping members navigate their spending with ease. These cards can be an excellent tool for building credit while enjoying rewards and benefits.

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Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Community Commitment

Join Us

Our Journey

Our Mission

Branch Location & Accessibility

ATM Availability

Come Visit Us!

Convenient Access

Operating Hours

Member Eligibility

Business Banking & Commercial Services

Lending Options for Growth

Merchant Services That Make a Difference

Comprehensive List Of Services

Business Banking

Convenient Access

Credit Cards

Loans and Financing

Personal Banking

Digital & Online Banking

Convenient Online Services

Go Green with E-Statements

Modern Payment Solutions

Secure Transactions

Financial Strength

Growing Membership Trust

Member-Centric Savings

Operational Efficiency

Reinvestment for Growth

Solid Financial Foundation

Loan Offering

Auto Loans

Business Loans

Mortgage Loans

Refinancing Options

Unsecured Credit Card Loans

Loan Aggregator

No Sponsored Listings

Real-Time Rate Comparisons

Verified Data

Join Our Community