VyStar Credit Union Starke FL: Quick Personal Loans & ATM Access

Introduction

Welcome to Vystar, your trusted partner in financial growth and community support, located at 581 N Temple Ave, Starke, FL 32091. Since our establishment in 1952, we have been dedicated to serving our members with care and transparency. With a strong membership base of nearly 1 million individuals, we pride ourselves on being more than just a financial institution; we are a part of the community. At Vystar, we understand that your financial needs are unique. That's why we offer a range of services including checking and savings accounts, auto loans, mortgage refinancing, personal loans, and business banking solutions. Our total assets exceed an impressive $14.7 billion, ensuring that we have the resources to support your ambitions. We maintain over $975 million in deposits and have facilitated 497,479 loans to help our members achieve their goals. Our leadership team, led by CEO Brian Wolfburg and Board President Phillip Siddons, is committed to upholding the values of trust and reliability. We believe in creating opportunities for every member of our community while maintaining a net worth of over $1.2 billion. While members can visit us at our branch location, official correspondence should be sent to the same address: 581 N Temple Ave, Starke, FL 32091. If you need assistance or have questions about our services, don't hesitate to reach out at (904) 966-6075. Join us at Vystar today and experience personalized banking that prioritizes your financial well-being! Visit our website at vystarcu.org to learn more about how we can serve you better.

Branch History & Mission

At Vystar in Starke, Florida, we proudly carry a legacy that began in 1952. Since our doors opened, we have been dedicated to empowering our community through accessible financial services and strong support. Located at 581 N Temple Ave, right in the heart of Starke, our branch has become a vital part of the local landscape, connecting with members not just as a financial institution but as a trusted partner in their financial journeys. Over the years, Vystar has grown significantly. Today, we serve nearly 1 million members with total assets exceeding $14.7 billion. Our commitment to excellence is reflected in every interaction, whether it's assisting with personal banking needs or providing business solutions tailored for local entrepreneurs. With a focus on community engagement, we've developed numerous outreach programs aimed at improving the lives of those we serve. Our mission is clear: to provide quality financial services while fostering community growth and prosperity. We strive to make banking easy and approachable for everyone in Starke and beyond. We understand that each member's needs are unique, so we offer a range of products including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. While members can visit us at our branch address of 581 N Temple Ave for all their banking needs during our lobby hours from 12:30 PM to 1:30 PM Monday through Friday, official correspondence should be sent to the same address as well. In addition to traditional banking services, we embrace technology to enhance member experience. Our online and mobile banking platforms offer convenience and security for managing finances anytime, anywhere. We prioritize accessibility by ensuring compliance with ADA standards and providing customer-centric initiatives that cater to all. As part of our ongoing dedication to the community, Vystar actively seeks partnerships that strengthen local ties and foster economic growth. We believe in giving back and supporting initiatives that uplift Starke residents. We invite you to join us at Vystar where financial success meets community spirit. Experience firsthand how we can help you achieve your goals while making an impact in your neighborhood. Reach out today at 904-966-6075 or visit us online at Vystar. Together, let's build a brighter future!

Branch Location & Accessibility

Welcome to Vystar, your friendly neighborhood credit union located at 581 N Temple Ave in Starke, Florida. Our branch is conveniently situated near local landmarks, making it easy for you to stop by and take care of your banking needs. Whether you're a long-time member or new to our community, we're here to serve you with a smile. While you can visit us at our main address, official correspondence should be sent to the same location at 581 N Temple Ave, Starke, FL 32091. This ensures that all your important documents reach us without delay. At Vystar, we prioritize accessibility for all our members. Our branch is designed with features that comply with ADA standards, ensuring everyone can comfortably access our services. Parking is readily available nearby, so you won't have to worry about finding a spot when you come in. We understand that your time is valuable. That's why we offer convenient lobby hours from Monday to Friday between 12:30 PM and 1:30 PM. Whether you're looking to open a checking account, apply for an auto loan, or just need some financial advice, our dedicated team is here during these hours to assist you. Please note that we currently do not offer ATM or drive-thru services at this branch. However, our staff is always ready to help you with any transactions or inquiries inside the branch. If you're interested in personal banking options like checking and savings accounts or exploring business banking solutions such as merchant services and business loans, don't hesitate to reach out! You can give us a call at 904-966-6075 if you have any questions before your visit. We invite you to come by Vystar and discover how we can help you achieve your financial goals!

Member Eligibility

Becoming a member of Vystar feels like joining a close-knit family that genuinely cares about your financial well-being. At our branch located at 581 N Temple Ave Starke Fl 32091, we welcome individuals who live, work, or worship in our community. If you're looking for a place that prioritizes your needs and offers personalized service, you're in the right spot! The eligibility criteria are designed to be inclusive, making it easy for you to join us and start enjoying the benefits we offer. For more detailed information on membership eligibility, feel free to check out our website at . Opening an account with us is a straightforward process that sets you on the path to better banking experiences. With friendly staff ready to assist you every step of the way, you can easily navigate through the application process. Whether you're interested in checking accounts, auto loans, or other financial services, we're here to help. Don't hesitate to reach out to us at (904) 966-6075 if you have any questions or need assistance getting started!

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, our merchant services simplify payment processing so you can focus on what you do best running your business. Imagine being able to accept payments effortlessly, whether online or in-store, while keeping track of sales and inventory all in one place. This efficiency not only saves time but also enhances customer satisfaction. Located conveniently at 581 N Temple Ave Starke Fl 32091, Starke, FL 32091, we're here to help your business succeed. For more information about our services or to discuss your unique needs, give us a call at (904) 966-6075. Let's work together to turn your business goals into reality!

Comprehensive List Of Services

Accessibility and Convenience

With modern banking solutions like ATM services, mobile payments, person-to-person transfers, and e-statements, managing your finances has never been easier. Our digital banking features ensure that you can access your accounts anytime, anywhere. If you're ready to explore all that Vystar has to offer or if you have any questions about our services, please don't hesitate to contact us at 904-966-6075. Visit us today at 581 N Temple Ave, or check out our website at Vystar for more information! We look forward to serving you!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options are tailored to help you get on the road without breaking the bank. With competitive rates and flexible terms, we make it simple for members to secure financing that meets their budget.

Business Banking

For entrepreneurs and small business owners in our community, Vystar provides essential support through our business banking services. This includes everything from merchant services to help you accept payments seamlessly, to tailored business loans that fuel growth and innovation.

Credit Cards with Rewards

Our credit card offerings come with great rewards that benefit your everyday spending. With credit cards featuring rewards, you can earn points for purchases made at restaurants, stores, and online shopping, giving you more value from your transactions.

Mortgage Loans & Refinancing

Owning a home is a significant milestone for many, and Vystar is here to assist with that dream through our mortgage loans and refinancing services. Whether you're buying your first home or looking to refinance your current mortgage for better rates, our team will guide you through every step of the process.

Personal Banking

For those seeking reliable personal banking solutions, Vystar offers checking and savings accounts that fit various lifestyles. Imagine having an account that not only helps you save but also provides easy access through online and mobile banking. You can monitor your transactions, transfer funds, and pay bills right from your smartphone or computer.

Personal Loans & Debt Consolidation

Life can bring unexpected expenses, which is why we offer personal loans and debt consolidation options. This service helps you manage your finances more effectively by combining multiple debts into one easy-to-manage loan with lower payments.

Digital & Online Banking

Key Features

You can start enjoying the convenience of online banking by visiting us at https://www.vystarcu.org. Our 24/7 online banking services allow you to check balances, pay bills, and transfer funds right from the comfort of your home or on the go. You'll also find features like person-to-person transfers, making it simple to send money to friends or family with just a few taps on your device. For those who prefer a mobile experience, our mobile application is available for download, giving you all the benefits of online banking at your fingertips. Plus, if you're looking for a quick and easy way to make payments, our mobile payments feature ensures you can pay at stores or send money digitally without carrying cash.

Security and Accessibility

We prioritize your security with electronic signature authorization for document signing, meaning you can handle important transactions safely from anywhere. Additionally, e-statements are available for those who want to go paperless while keeping their financial records organized and accessible at any time. Whether you're a tech-savvy user or new to digital banking, our services are designed with simplicity in mind. You can manage your accounts in real-time, ensuring that you always know where your money stands. At Vystar, we're here to help you navigate your financial journey smoothly and securely.

Financial Strength

Commitment to Efficiency

Our net income of $0 reflects our operational efficiency during these challenging times. It enables 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.

Growing Member Base

Total Share and Deposit Accounts stand at 2,036,011, showing a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) amount to $72,607,517, further showcasing our dedication to supporting your financial journey. 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 581 N Temple Ave Starke Fl 32091 or call 904-966-6075 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.

Member-Focused 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.

Reinvesting for Your Future

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 a total of $10,061,804,065 in loans and leases.

Strong 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

Additional Lending Options

For business owners, our outstanding commercial loans totaling $880,089,420 provide the capital needed to grow and expand your business. We strive to support local enterprises by offering tailored financing solutions. If you're interested in learning more about our loan offerings or want to see if you qualify for refinancing options, don't hesitate to reach out. You can contact us at 904-966-6075 or visit us at 581 N Temple Ave Starke FL 32091. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Vystar, we're here to help you find the right loan product for your needs let's take the next step together!

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 flexible terms and competitive rates to ensure you get the best deal possible.

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 programs to suit different needs and budgets. If you're considering refinancing your current mortgage, we can assist you with that as well.

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. This option provides a great way to handle unexpected expenses or consolidate debt without collateral.

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Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans