VyStar Credit Union St Augustine FL: Top Checking & Auto Loans

Introduction

Welcome to Vystar, your trusted partner in financial wellness, located at 165 State Road 312 W, St Augustine, FL 32086. Since our establishment in 1952, we have dedicated ourselves to serving our community and meeting the diverse financial needs of our members. With a strong membership base of 997,469 individuals, we pride ourselves on being more than just a credit union; we are a community focused on growth and support. At Vystar, we understand that life can be unpredictable. That's why we offer a wide range of services, from personal banking and auto loans to mortgages and business banking solutions. Our total assets stand at an impressive $14,746,180,513, reflecting our commitment to providing you with secure and reliable financial options. We maintain a robust total deposit amount of $975,513,063, ensuring that your hard-earned money is well taken care of. Our leadership team is here for you. Under the guidance of CEO Brian Wolfburg and Board President Phillip Siddons, our experienced staff of 2,321 employees is ready to assist you with any questions or concerns you may have. Whether you're looking for a new loan or need assistance with your existing accounts, we're here to help. While members can visit us at our branch location, official correspondence should be sent to the same address: 165 State Road 312 W, St Augustine, FL 32086. For any inquiries or assistance, feel free to reach out by calling us at 904-908-2865 during our operating hours: Monday to 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 and discover how Vystar can help you achieve your financial goals! Visit our website at Vystar for more information about our services or stop by our branch we're excited to welcome you into our Vystar family!

Branch History & Mission

Join Us

We invite you to become part of the Vystar family. By choosing us as your credit union, you're not just selecting a bank you're joining a community dedicated to mutual support and shared success. Experience the benefits of being a member today! For more information or assistance, feel free to call us at 904-908-2865 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 on this journey toward financial empowerment and community enrichment! Visit Vystar today!

Our Evolution

From our humble beginnings, Vystar has evolved significantly. What started as a small credit union has now blossomed into an institution with total assets exceeding $14.7 billion. We've continuously adapted to the changing financial landscape by enhancing our offerings, ensuring that our members have access to everything from personal banking services like checking and savings accounts to comprehensive auto loans and mortgage options. Our branch is equipped with an ATM and drive-thru banking services for added convenience, allowing members to manage their finances effortlessly. We strive to create an accessible environment for everyone and are proud of our compliance with ADA standards, ensuring that all community members can enjoy our services.

Our Mission

At the heart of Vystar's operations is a clear mission: to improve the financial well-being of our members while actively supporting the local community. We believe that strong communities lead to stronger relationships. Therefore, we're dedicated not just to providing excellent financial services but also to engaging in outreach efforts that uplift those around us. This commitment extends beyond just transactions; it includes building partnerships with local organizations and participating in community events aimed at fostering growth and stability for all residents in St. Augustine. While you can visit us at 165 State Road 312 W, official correspondence should be sent to the same address as we maintain a consistent presence for your convenience.

Branch Location & Accessibility

Welcome to Vystar, your friendly neighborhood credit union located at 165 State Road 312 W in beautiful St Augustine, FL. Nestled in the heart of Saint Johns County, our branch is easily accessible and conveniently situated near popular local spots, making it simple for you to stop by for all your banking needs. Whether you're visiting the nearby shops or enjoying a day out in this historic city, we're just around the corner! At Vystar, we prioritize convenience and accessibility for all our members. Our branch features ADA-compliant entrances and ample parking space, ensuring that everyone can visit us comfortably. For those who prefer to bank on the go, we offer a drive-thru service for quick transactions without leaving your car. If you need assistance or have questions about our services, feel free to give us a call at 904-908-2865. We're here to help! Our operating hours are designed to fit your busy schedule: from Monday to Thursday, we're open from 9 AM to 5 PM; Fridays extend to 6 PM; and on Saturdays, we welcome you from 9 AM until 1 PM. In addition to traditional banking services like checking and savings accounts, auto loans, mortgages, and personal loans, we also provide access to ATMs for cash withdrawals and balance checks. You can enjoy the ease of online and mobile banking right from your smartphone or computer. While members can visit us at 165 State Road 312 W St Augustine Fl 32086, official correspondence should be sent to our mailing address at 165 State Road 312 W, St Augustine, FL 32086 if different. We invite you to stop by Vystar today! Experience exceptional service and discover how we can help you reach your financial goals. Your satisfaction is our priority!

Member Eligibility

At Vystar, we believe that becoming a member means joining a caring community where your financial needs are prioritized. If you're looking to join us at our convenient location at 165 State Road 312 W St Augustine Fl 32086, we would love to welcome you! Membership is open to individuals who live, work, worship, or attend school in the areas we serve, as well as their family members. This inclusive approach ensures that anyone who shares our values can benefit from our personalized services and competitive rates. The membership process is straightforward and designed with you in mind. To open an account and start enjoying the perks of being part of our family, you can reach out to us at (904) 908-2865 for guidance or visit our website for more details. For further information on eligibility requirements, feel free to check out this resource: . We're excited to help you take this important step toward better banking!

Business Banking & Commercial Services

Merchant Services

In addition to loans, we offer merchant services that simplify transactions for businesses of all sizes. Whether you're a local café or a retail store, our solutions allow you to accept payments easily and securely, helping you provide better service to your customers. If you're ready to take your business to the next level, visit us at 165 State Road 312 W St Augustine Fl 32086 in St Augustine, FL, or call us at (904) 908-2865. Let's work together to achieve your goals!

Tailored Loan Options

Imagine having the capital to expand your operations or invest in new equipment. 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

Business Banking

For small business owners, Vystar provides essential tools through our business banking services, including merchant services and business loans. We know how vital it is to keep your operations running smoothly, so we're here to support you every step of the way.

Convenient Access

We also prioritize convenience for our members with robust online and mobile banking platforms. You can manage your accounts from anywhere, pay bills, transfer money between accounts, and even use mobile payments all at your fingertips. Plus, our ATMs provide quick access to cash with basic withdrawal services available whenever you need them. Our branch offers a drive-thru service for those who prefer face-to-face transactions without leaving their cars. With this option, you can easily handle deposits, withdrawals, and other simple transactions without stepping inside the branch.

Get Started Today!

With all these services available at Vystar in St Augustine, there's no better time to take control of your financial future. For any questions or assistance, feel free to reach out to us at 904-908-2865. We invite you to visit us at 165 State Road 312 W or explore more about what we offer by visiting our website at Vystar. Join us today and discover how we can support you on your financial journey!

Personal Banking

Our personal banking options are tailored to fit your lifestyle. Open a checking or savings account with us and enjoy easy access to your funds anytime. If you're in the market for a new vehicle, consider our auto loans and vehicle financing solutions, which come with competitive rates and flexible terms. Planning to buy a home? Our mortgage loans and refinancing options can help make homeownership a reality or lower your monthly payments. Need some extra cash for unexpected expenses? Our personal loans and debt consolidation services can help simplify your finances by combining multiple debts into one manageable payment. And don't forget about our credit cards with rewards, offering perks that can enhance your everyday spending.

Digital & Online Banking

E-Statements and Mobile Payments

Say goodbye to paper clutter! We provide e-statements for easy account management. You can view your statements online whenever you need them, helping you stay organized and eco-friendly. And for those on the go, our mobile payments feature allows you to make purchases quickly and securely using just your smartphone.

Manage Your Finances on the Go

Our mobile application makes it simple to manage your finances right from your pocket. You can easily conduct person-to-person transfers, making it easy to send money to friends and family without any fuss. With these tools, real-time account management is just a tap away. At Vystar, we're committed to providing secure and accessible banking solutions that enhance your financial experience. Explore all our digital offerings today and see how easy banking can be!

Financial Strength

Efficient Operations

Our operational efficiency is reflected in our current net income of $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 team.

Growing Together

Total Share Accounts stand at an impressive 2,036,011, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $72,607,517, reinforcing our commitment to your financial well-being. 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 165 State Road 312 W or call us at 904-908-2865 to learn more about how we can help you achieve your financial goals.

Investing Back into Your Future

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 supports members' financial goals across various sectors with $91,613 in used auto loans and a total of $10,061,804,065 in loans and leases.

Member-Centric Savings Solutions

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.

Our 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide 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 considering financing a brand-new ride or a reliable pre-owned vehicle, our flexible terms can accommodate your budget and preferences.

Business Loans

For business owners, our outstanding commercial loans totaling $880,089,420 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to boost an existing one, we have financing options tailored just for you.

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're here to guide you through the process, ensuring you find the best solution for your situation.

Refinancing Options

If you're thinking about refinancing any of these loans, we have options available that can help lower your monthly payments or consolidate debt. It's worth exploring how you might save money with our competitive rates and personalized service. At Vystar, located at 165 State Road 312 W St Augustine Fl 32086, St Augustine, FL, we prioritize transparency and member satisfaction. Our team is ready to assist you every step of the way. For more information on our loan offerings or to speak with one of our representatives, please call us at (904) 908-2865. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you make informed decisions that enhance your financial well-being!

Unsecured Credit Cards

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. These cards are perfect for everyday purchases or unexpected expenses without tying up your assets.

Loan Aggregator

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Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans