VyStar Credit Union Starke FL: Affordable Vehicle Loans & Business Banking

Introduction

Community Impact

We take pride in being more than just a credit union; we aim to make a positive impact in the lives of our members and the broader community. With a net worth of $1,298,248,326 and cash in hand amounting to $150,946,523, we are well-equipped to support local initiatives and provide you with the resources you need to achieve your financial goals. While you can visit us at our branch for all your banking needs, official correspondence should be sent to the same address: 1450 S Walnut St, Starke, FL 32091. Our friendly staff is always ready to assist you. So why wait? Whether you're looking for personal banking options or business solutions, give us a call at 904-594-5518 or check out our website at Vystar for more information. Let us help you reach your financial dreams!

Our Leadership

Led by our dedicated CEO, Brian Wolfburg, and Board President Phillip Siddons, our team is passionate about providing exceptional service. With 2,321 employees working diligently to meet your needs, we strive to ensure that your experience with us is smooth and enjoyable.

Branch History & Mission

Community Commitment

At Vystar, we believe in giving back to the communities we serve. Our partnerships with local organizations reflect our dedication to uplifting Starke through various outreach efforts. We are proud supporters of initiatives that promote education, health, and economic development. Our team works tirelessly to create positive impacts that extend beyond just financial transactions. While you can visit us at our branch location for all your banking needs 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 official correspondence can be sent to the same address if needed.

Join Us

We invite you to experience the benefits of membership at Vystar. Whether you're looking for a simple checking account or need assistance with a mortgage or business loan, we're here for you every step of the way. Join us today and become part of a community-focused credit union that truly cares about your financial well-being. For more information or assistance, please reach out to us at (904) 594-5518 or visit Vystar's website. Together, let's build a brighter future!

Our Evolution

Since opening our doors, Vystar has evolved significantly. We have embraced technological advancements while maintaining a strong focus on personal service. Our mission is clear: to provide affordable financial services that empower our members and support community growth. As we expanded our offerings from checking and savings accounts to auto loans and mortgages we have kept our commitment to helping members achieve their financial goals. In recent years, we've made strides in enhancing accessibility. With services like online banking and mobile payments available to all members, managing your finances has never been easier. Plus, with an ATM on-site and drive-thru banking options available, we ensure that accessing your funds is convenient and straightforward.

Branch Location & Accessibility

Convenient Access

When you arrive at our branch, you'll find ample parking available, making it simple to pop in for any of your banking needs. We are proud to be ADA compliant, ensuring everyone can easily access our facilities. If you're on the go, take advantage of our drive-thru banking service for quick deposits and withdrawals without leaving your car.

Operating Hours

Our lobby is 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. This means you have plenty of opportunities throughout the week to visit us at your convenience. Whether it's a weekday errand or a weekend stop, we're here for you!

Services Offered

At Vystar, we offer a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, we've got you covered. Need cash? Enjoy easy access to our ATM on-site for quick withdrawals or balance checks. Plus, if you have any questions or need assistance, don't hesitate to give us a call at 904-594-5518. While members can visit us at 1450 S Walnut St, official correspondence should be sent to the same address since it doubles as our mailing address. We look forward to welcoming you soon! Come by and see how we can help make your banking experience enjoyable and straightforward.

Member Eligibility

At Vystar, we believe that becoming a member is like joining a family where everyone supports each other in their financial journeys. If you live, work, worship, or attend school in the Starke area, you're likely eligible to join us! We welcome individuals from all walks of life and are dedicated to providing personalized financial services tailored to your needs. By becoming a member at Vystar, you'll not only gain access to competitive rates on loans and savings accounts but also a community that genuinely cares about your financial well-being. Getting started is simple! Just visit us at 1450 S Walnut St Starke Fl 32091 or give us a call at (904) 594-5518 for more information. You can find detailed eligibility criteria on our website at . We look forward to welcoming you into our vibrant community and helping you achieve your financial goals!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine having a reliable partner to streamline your payment processes. Our merchant services provide businesses with the tools needed to accept payments easily, manage transactions efficiently, and enhance customer satisfaction. From mobile payments to online transaction processing, we equip you with the resources necessary to thrive in today's competitive marketplace. Located at 1450 S Walnut St Starke Fl 32091, we're here to help your business flourish. Reach out to us at (904) 594-5518 for personalized support tailored to your specific goals!

Tailored Commercial Loans

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

If you're an entrepreneur or small business owner, you'll appreciate our business banking services, which include merchant services and business loans. We understand the challenges of running a business and are here to support you every step of the way.

Digital Banking Features

In today's fast-paced world, convenience matters. That's why at Vystar, we provide robust online and mobile banking options. You can manage your finances anytime, anywhere, making it easy to check balances, transfer funds, or even pay bills right from your phone. Our ATM services ensure that cash withdrawals are quick and hassle-free whenever you need them.

Easy Access Services

We also offer basic drive-thru banking for deposits, withdrawals, and simple transactions. If you're on the go, our ATMs allow for balance checks and cash access around the clock giving you flexibility in managing your money. At Vystar, we're not just about transactions; we're about building lasting relationships with our members in Starke. With a commitment to excellent service and community involvement, we invite you to experience all that we have to offer. If you're ready to take control of your financial future or have any questions about our services, don't hesitate to reach out! Call us today at (904) 594-5518 or visit us at https://www.vystarcu.org. We're excited to help you achieve your financial goals!

Loans and Credit Solutions

Life can throw unexpected expenses your way. That's where our personal loans and debt consolidation options come into play, helping you manage those costs without added stress. Plus, enjoy the perks of credit cards with rewards that fit your spending habits because who doesn't love earning while they spend?

Personal Banking

Imagine having a trusted partner for all your banking needs. At Vystar, we offer personal banking services that include checking and savings accounts tailored to fit your lifestyle. Need extra funds for a big purchase? Our auto loans and vehicle financing options make it easy to get behind the wheel of your dream car. For those considering homeownership, we provide mortgage loans and refinancing solutions that simplify the process.

Digital & Online Banking

Convenient Online Services

With our online banking system, you can check balances, pay bills, and transfer funds with just a few clicks. Imagine having all your banking needs right at your fingertips! Plus, with features like e-statements, you can access your account statements quickly and securely without the clutter of paper. If you're always on the move, our mobile application makes banking even easier. You can make mobile payments, send money to friends with person-to-person transfers, and enjoy the flexibility of managing your finances from your smartphone. It's as simple as downloading the app!

Security You Can Trust

We understand that security is a top priority for our members. That's why we provide electronic signature authorization for important documents, making it easy to sign without visiting a branch. Our systems are designed with advanced security measures to protect your information. No matter when you need us, our 24/7 online banking services ensure that you can access your accounts whenever it suits you. You'll have real-time control over your finances, allowing for quick decision-making and stress-free management. At Vystar, we're committed to providing accessible and user-friendly digital banking solutions that empower you to take charge of your financial journey. Join us today and experience the convenience of modern banking!

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 robust financial standing, which assures you that your funds are secure with us. 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, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is significant as we have $91,613 in used auto loans and $10,061,804,065 in total loans and leases, supporting our members' financial goals across various sectors. Our 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. Net Shares (Funds available for lending and investments): $72,607,517. Total Share 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 1450 S Walnut St Starke Fl 32091 or call (904) 594-5518 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 pre-owned vehicle, our financing options are designed to help you make that purchase with ease.

Business Financing

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 enhance an existing business, we have tailored solutions to meet your needs. At Vystar Credit Union, we believe in empowering our members with financial tools that work for them. If you're considering refinancing any existing loans or want to learn more about eligibility options for our various products, don't hesitate to reach out. Our team is ready to assist you! You can contact us at 904-594-5518 or visit us online at Vystar's Website for more information on our loan offerings and how we can help you achieve your financial dreams. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 are here to guide you through every step of the process to ensure your journey to owning a home is smooth and stress-free.

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. These credit cards come with competitive interest rates and can be a great way to build your credit history while enjoying rewards and benefits.

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Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans