VyStar Credit Union St Augustine FL: Quick Personal Loans & ATM Services

Introduction

Welcome to Vystar, your trusted partner in financial well-being, located at 600 State Road 206 W Rm 422, St Augustine, FL 32086. Established in 1952, our commitment to serving our community has never wavered. With over 997,469 members and assets totaling $14,746,180,513, we pride ourselves on offering robust financial solutions tailored to meet your needs. At Vystar, we understand that each member is unique. That's why we provide a range of services from personal banking, including checking and savings accounts, to auto loans and business banking. Our total deposits stand strong at $975,513,063, showcasing the trust our members place in us. With a net worth of $1,298,248,326 and cash in hand amounting to $150,946,523, you can be assured that your finances are in safe hands. Our leadership team is dedicated to fostering a culture of support and excellence. Under the guidance of CEO Brian Wolfburg and Board President Phillip (Kem) Siddons, we work tirelessly to enhance your banking experience while positively impacting the communities we serve. While you can visit us at our branch for personalized service during lobby hours from 12 PM to 1 PM, official correspondence should be directed to our mailing address: 600 SR 206 W Room 422, St Augustine, FL 32086. If you have any questions or need assistance with your accounts or loans totaling an impressive 497,479 please don't hesitate to reach out by calling us at 904-908-2865. Join us at Vystar where our mission is simple: helping you achieve financial success and stability! Visit our website at vystarcu.org for more information about how we can assist you today.

Branch History & Mission

Join Us

As we continue to grow and adapt in an ever-changing financial landscape, we invite you to join Vystar Credit Union. Experience the benefits of being part of a member-focused organization that truly cares about your financial success and community wellbeing. Whether you're looking for personal banking solutions or business support, we're here for you every step of the way. For more information about our services or how to become a member, please call us at 904-908-2865 or visit our website at Vystar Credit Union. Together, let's build a brighter financial future!

Our Journey

Since our inception over seven decades ago, Vystar has consistently focused on providing personalized financial services that cater to the needs of our members. We started with a simple mission: to empower individuals and families through better financial choices. As we grew, so did our offerings expanding from basic savings accounts to include auto loans, mortgages, personal loans, and business banking solutions. Today, we proudly serve a diverse membership base that relies on us for their financial wellbeing. Our dedication to community support has led us to establish partnerships with local organizations and initiatives aimed at improving lives in St. Augustine. Whether it's sponsoring educational programs or supporting local charities, we believe in giving back to the community that has supported us throughout the years.

Our Mission

At Vystar, our mission goes beyond just providing financial services; it's about making a positive impact in the lives of our members and within our community. We strive to offer accessible and affordable banking solutions that help people achieve their dreams. Our commitment is reflected in our personalized service and innovative digital banking options designed to make managing finances easier than ever. With operating hours from Monday to Friday between noon and 1 PM, we ensure that our members can easily access the services they need. Although we currently do not have ATM or drive-thru availability at this location, we are continuously exploring ways to enhance accessibility for all members. While you can visit us at our branch address for any inquiries or assistance, please note that official correspondence should be sent to our mailing address: 600 SR 206 W Room 422, St Augustine, FL 32086.

Branch Location & Accessibility

Convenient Access

At Vystar, we prioritize accessibility for all members. Our branch features ramps and is fully ADA compliant, ensuring that everyone can walk in with ease. Parking is available nearby, so you won't have to worry about finding a spot when you come by.

Get in Touch!

Have questions? Want to learn more about how we can help you? Don't hesitate to give us a call at 904-908-2865! We look forward to welcoming you into the Vystar family and assisting you with all your banking needs. Come visit us today!

Operating Hours

We understand that your time is valuable. That's why our lobby hours are designed to fit into your busy schedule join us Monday through Friday from noon until 1 PM. Whether you need assistance with personal banking, auto loans, or mortgage services, our team is ready to help during these hours.

Services Offered

Vystar offers a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and business banking solutions, we've got something for everyone! Although we currently do not offer ATM services or drive-thru banking at this location, our dedicated staff is here to assist you with any transactions or inquiries you may have.

Member Eligibility

At Vystar, we believe that everyone deserves a chance to be part of a supportive community that prioritizes your financial well-being. If you're interested in becoming a member, you'll find that the eligibility criteria are quite welcoming. Generally, anyone who lives, works, worships, or attends school in our community is encouraged to join. This means that if you have ties to the St. Augustine area, you're likely eligible! Becoming a member not only grants you access to competitive rates on loans and savings but also connects you with personalized service and a range of financial products tailored to your needs. Getting started is easy simply visit us at 600 State Road 206 W Rm 422 St Augustine Fl 32086, or give us a call at (904) 908-2865 for more information. For detailed eligibility criteria, check out our website at . We can't wait to welcome you into the Vystar family!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine having a reliable partner to handle transactions smoothly while you focus on growing your business. Our merchant services offer practical benefits that enhance customer experiences and streamline operations. With efficient payment processing options, you can serve your clients better and keep your cash flow steady. Visit us at 600 State Road 206 W Rm 422 St Augustine Fl 32086, St Augustine, FL, or call us at (904) 908-2865 to learn how our business banking services can empower your success!

Tailored Lending Solutions

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.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our Auto Loans & Vehicle Financing are here to assist you in getting on the road without breaking the bank. We offer competitive rates and flexible terms to ensure that your auto financing fits comfortably within your budget.

Business Banking

For our business members, we provide robust Business Banking solutions including Merchant Services and Business Loans. Whether you're starting a new venture or expanding an existing one, we understand the unique challenges businesses face and are ready to support your journey.

Cash Withdrawal Services

While we currently do not have ATMs or drive-thru services available at this location, rest assured that our staff is dedicated to providing cash withdrawal services when you need them during our lobby hours from Monday to Friday between 12 PM and 1 PM. No matter what your financial needs may be, Vystar is here to provide personalized support every step of the way. If you're interested in learning more about any of these services or if you have questions, don't hesitate to reach out! Call us at (904) 908-2865 or visit us online at https://www.vystarcu.org. We look forward to serving you!

Digital Banking Features

In today's fast-paced world, convenience matters. That's why at Vystar, we offer advanced Online & Mobile Banking options. You can easily manage your accounts, pay bills, and transfer money from anywhere using our mobile application. Plus, features like electronic signatures and e-statements streamline the banking process even further.

Mortgage Solutions

Buying a home is one of the most significant decisions you'll make. That's why we offer comprehensive Mortgage Loans & Refinancing options. Our team will guide you through the process, helping you find the right loan that meets your needs whether you're a first-time buyer or looking to refinance an existing mortgage.

Personal Banking

We understand that everyone has unique financial needs, which is why our personal banking services are designed to fit various lifestyles. Whether you're opening a Checking or Savings Account for daily expenses or saving for the future, we have options that will suit you. Our Credit Cards with Rewards can enhance your purchasing experience, giving you benefits for everyday spending.

Personal Loans & Debt Consolidation

Life can sometimes throw unexpected expenses your way. With our Personal Loans & Debt Consolidation, you can manage those surprises more easily. Whether it's funding a special project or consolidating debt for easier management, we are here to help lighten your financial load.

Digital & Online Banking

Real-Time Account Management

With all these features combined, you're empowered to take charge of your finances like never before. Whether it's checking your account balance during lunch or reviewing recent transactions while waiting in line, our digital banking options provide the accessibility and ease-of-use you deserve. Join us today at Vystar and discover how our digital banking services can simplify your financial life!

User-Friendly Features

Our mobile application enhances your banking experience by allowing you to manage your accounts right from your smartphone. You can set up mobile payments with ease, making transactions as simple as a tap on your screen. Plus, you'll never miss a statement again with our e-statements feature keeping your financial records organized and accessible. Security is also a top priority for us at Vystar. We utilize electronic signature authorization for secure transactions, so you can bank with peace of mind knowing your information is protected.

Financial Strength

At Vystar, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our financial strength with you, ensuring that you can trust us with your money. 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. 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. 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: we have $91,613 in used auto loans and a total of $10,061,804,065 in loans and leases, supporting your financial goals across various sectors. Our operational efficiency shines through with a reported net income of $0, which reflects our commitment to maintaining low costs for our members while providing valuable services. 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. The funds available for lending and investments stand at $72,607,517 in net shares. With a total of 2,036,011 share accounts, we showcase 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 600 State Road 206 W Rm 422 St Augustine FL 32086 or call 904-908-2865 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.*

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 looking for a brand-new model or a reliable used vehicle, our financing options can make it happen for you.

Business Loans

For business owners, our outstanding commercial loans totaling $880,089,420 provide the capital needed to grow and expand. We are committed to supporting local businesses and helping them thrive within our community. In addition to these offerings, we also provide refinancing options tailored to fit your unique circumstances. If you're considering refinancing your existing loans or exploring eligibility options, our team is here to guide you through the process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. No matter what your financial needs are, Vystar is dedicated to providing solutions that work for you. For more information about our loan offerings, feel free to reach out at (904) 908-2865, or visit us at 600 State Road 206 W Rm 422 St Augustine Fl 32086 in St Augustine, FL. Let's work together toward achieving your financial dreams!

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 support through every step of the process, ensuring that you have access to competitive rates and personalized service.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes 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. This is an excellent option if you're looking for added flexibility in your budgeting.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With so many options available, having a reliable source for comparison is essential. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to using verified sources guarantees that users receive fair and transparent offers. The benefits of using LendMesh are clear: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that they are looking at real offers from credible lenders. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means users can compare loans without worrying about hidden agendas or conflicts of interest. - Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions, helping users make informed decisions quickly. In a fast-changing market, having current information is crucial. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials reflect the positive impact LendMesh has had on its users' financial decisions. 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