VyStar Credit Union Saint Johns FL: Best Auto Loans & ATM Access

Introduction

Welcome to Vystar, your trusted partner in personal and business banking, located at 1955 County Road 210 W, Saint Johns, FL 32259. Since our establishment in 1952, we have been dedicated to serving our community with integrity and commitment. With over 997,469 members, we take pride in being a cooperative that prioritizes your financial well-being. At Vystar, we understand that every dollar counts. That's why we manage a robust total of $14,746,180,513 in assets to ensure that we can provide you with a range of services tailored to your needs. Whether you're looking for personal banking solutions like checking and savings accounts or need support with auto loans and mortgages, we have you covered. Our total loans and leases amount to 497,479, reflecting our commitment to helping you achieve your financial goals. Our leadership team is here to guide you every step of the way. Under the direction of CEO Brian Wolfburg and Board President Phillip Siddons, Vystar has become a pillar in the community. We employ 2,321 dedicated staff members who are always ready to assist you. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address at 1955 COUNTY ROAD 210 W, ST JOHNS, FL 32259. With total deposits reaching $975,513,063 and a net worth of $1,298,248,326, Vystar demonstrates its strong financial foundation. We're not just about numbers; we're about community impact. Our services include everything from basic ATM access for quick withdrawals to comprehensive online banking options that fit your busy lifestyle. Ready to experience reliable banking? Reach out today at 904-594-5546 or explore more on our website Vystar. Join us as we work together toward a brighter financial future!

Branch History & Mission

Vystar has a rich history that spans over seven decades, beginning its journey in 1952. Located at 1955 County Road 210 W, Saint Johns, FL 32259, Vystar has been a cornerstone of the community, providing reliable financial services and support to its members. With nearly 1 million total memberships, we have grown alongside our community, adapting to their needs and fostering strong relationships. From the very start, Vystar has prioritized serving the people of Saint Johns and surrounding areas. Our mission is clear: to empower our members through exceptional financial products and services while nurturing a sense of belonging and community. We believe in supporting not just individual financial goals but also local initiatives that enrich our neighborhoods. Throughout the years, Vystar has evolved significantly. We started with humble beginnings but have since expanded our services to include personal banking, auto loans, mortgage options, business banking, and more. Our commitment to innovation is evident in our adoption of modern banking technologies such as online banking and mobile payments. These advancements make it easier for our members to manage their finances anywhere and anytime. Our branch operates with convenience in mind. We are open Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM, allowing flexibility for all our members' schedules. For those on the go, we offer ATM access and drive-thru banking services for quick transactions without leaving your vehicle. While members can visit us at our main branch address for all their banking needs, official correspondence should be sent to 1955 COUNTY ROAD 210 W, ST JOHNS, FL 32259. Vystar takes pride in being part of the community fabric. We actively participate in various outreach programs aimed at improving the lives of those around us. Whether it's sponsoring local events or partnering with organizations that share our values, we believe in giving back. Join us at Vystar and experience firsthand how we can help you achieve your financial dreams while contributing positively to our vibrant community. Whether you're looking for a place to save or need support in obtaining a loan, we are here for you every step of the way! Reach out today at 904-594-5546 or visit us online at Vystar Credit Union.

Branch Location & Accessibility

Convenient Access and Parking

Our branch features ample parking and is designed with accessibility in mind, ensuring everyone can visit us comfortably. We have ADA-compliant entrances and ramps, making it easy for all members to access our services without any hassle.

Operating Hours That Fit Your Schedule

At Vystar, we want to make banking as convenient as possible for you. Our lobby hours are Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Whether you need assistance during the week or prefer a quick visit on Saturday morning, we're here for you!

Services Tailored for You

While you're here, take advantage of our wide range of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need a quick cash withdrawal or a deposit? Our drive-thru banking service allows you to complete simple transactions without leaving your car. If you're on the go, don't forget about our ATM availability! With an ATM on-site, you can easily access your funds anytime.

Stay Connected

If you have questions or need assistance before stopping by, feel free to give us a call at 904-594-5546. We're always happy to help! We invite you to visit Vystar at our Saint Johns branch today. Experience firsthand how we're dedicated to making your banking experience smooth and enjoyable!

Member Eligibility

Welcome to the Vystar community! Becoming a member at our branch, located at 1955 County Road 210 W, Saint Johns, FL 32259, is a simple and inclusive process. We believe in supporting our members and providing them with exceptional financial services. To be eligible for membership, you just need to live, work, or worship in the areas we serve. This includes individuals and their family members who meet these criteria. Joining us means access to a variety of personal banking options like checking and savings accounts, loans, and credit cards with rewards that truly benefit you. If you're ready to take the first step toward membership or want more details about eligibility requirements, feel free to visit our website at Vystar. You can also reach us directly at 904-594-5546 for any questions or assistance. We're here to help you every step of the way!

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. - 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

In addition to loans, we offer comprehensive merchant services that make transactions easier and faster. Picture this: a local coffee shop using our point-of-sale systems to accept payments seamlessly while tracking inventory on the go. This kind of support can be a game-changer for small businesses looking to streamline operations. Located at 1955 County Road 210 W Saint Johns Fl 32259 in Saint Johns, FL, our team is ready to assist you with all your business banking needs. Contact us at (904) 594-5546 or visit us online at Vystar to learn more!

Comprehensive List Of Services

Additional Services

Our commitment extends beyond just traditional banking. We also provide basic drive-thru services for simple transactions such as deposits and withdrawals. This means you can handle essential banking tasks quickly without needing an appointment. With so many services designed around you, Vystar is more than just a place to bank; it's a community resource dedicated to helping you thrive financially. If you have any questions or need assistance, feel free to reach out at (904) 594-5546 or visit us during our operating hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Join us today at 138-cr210 your partner in achieving financial success!

Business Banking

For our business members, we offer merchant services and business loans that can help you grow and manage your operations efficiently. Our team understands the unique challenges businesses face and is committed to providing support every step of the way.

Credit Cards

Looking for rewards on your purchases? Our credit cards come with great benefits that fit your lifestyle. Enjoy cashback offers and points on everyday spending while managing your budget effectively.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why at Vystar, we prioritize digital banking features like online banking, mobile payments, and person-to-person transfers. You can easily access your accounts from anywhere, making deposits or withdrawals without stepping foot into the branch. With one ATM available and drive-thru services for quick transactions, getting the banking support you need has never been easier.

Loans and Financing

If you're thinking about buying a new car or refinancing your home, our auto loans and mortgage financing solutions are here to assist you. We offer competitive rates that make vehicle ownership easier than ever, and our mortgage options provide flexibility whether you're purchasing your first home or upgrading to something bigger. Plus, if you're dealing with debt, our personal loans can help consolidate and simplify your payments.

Personal Banking

Whether you're looking to open a checking or savings account, we have options tailored just for you. Our personal banking services help you manage your finances effectively, allowing you to save for future goals or simply keep your day-to-day expenses in check. Imagine being able to easily monitor your accounts online or through our mobile app while enjoying the peace of mind that comes with having access to your funds anytime, anywhere.

Digital & Online Banking

Key Services

Our members enjoy 24/7 access to their accounts through our online banking system. This means you can check your balance, transfer funds, and pay bills anytime, anywhere. Plus, with the option for electronic signature authorization, signing important documents has never been easier or more secure. We also provide e-statements, allowing you to view your account statements online rather than waiting for them in the mail. This not only saves time but also helps you stay organized and environmentally friendly. If you're someone who loves using mobile technology, you'll be pleased to know that our mobile application is available for download. With it, you can manage your finances right from your smartphone. Our mobile payments feature lets you make quick purchases without the hassle of cash or cards, making shopping smoother than ever. Additionally, our person-to-person transfer service enables you to send money directly to friends and family with just a few taps on your phone. This feature is perfect for splitting bills or sending gifts without any fuss.

Security and Accessibility

At Vystar, we prioritize your security while ensuring ease of use. Our digital banking services are designed with advanced security measures to keep your information safe. You can bank with confidence knowing that we're committed to protecting your financial data. Overall, our digital and online banking options empower you with real-time account management right at your fingertips. Experience the convenience of modern banking today with Vystar!

Financial Strength

A Trusted Partner

Net Shares (Funds available for lending and investments): $72,607,517. Total Share and Deposit Accounts: 2,036,011, showing 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, borrowing, or planning for the future, Vystar is your trusted partner. Visit us at 1955 County Road 210 W Saint Johns Fl 32259 or call (904) 594-5546 to learn more about how we can help you achieve your financial goals.

Commitment to 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. We support your financial goals with $91,613 in used auto loans and a total of $10,061,804,065 in loans and leases.

Operational Efficiency

Our operational efficiency is highlighted by our $0, which allows 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.

Secure 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.

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 provide financing solutions for both new and used vehicles to ensure you can drive away in a car that fits your lifestyle and budget.

Business Loans

If you're a business owner looking to expand or invest in new opportunities, our outstanding commercial loans totaling $880,089,420 are here to support your growth ambitions. We understand the unique challenges businesses face and strive to provide tailored financial solutions that can help you thrive. At Vystar, we also recognize that refinancing options may be available for many of our loan products. This could help lower your payments or free up cash for other needs. For any questions about eligibility or how to get started with any of our loan offerings, feel free to call us at 904-594-5546. Our friendly staff is ready to assist you during our operating hours: Monday through Thursday from 9 AM to 5 PM; Friday from 9 AM to 6 PM; and Saturday from 9 AM to 1 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. With Vystar by your side, securing the right financial product has never been easier!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple and accessible. We offer Junior Lien 1-4 Family Residential Properties loans totaling $701,523,958, designed to make your journey toward owning a home as smooth as possible.

Personal and Unsecured Credit Card Loans

For those looking for flexibility in managing day-to-day expenses or consolidating debt, we also provide personal loans alongside unsecured credit card loans. With a total of $680,082,195 in unsecured credit card loans available, our products help members manage their finances effectively without the burden of high-interest rates.

Loan Aggregator

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Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans