VyStar Credit Union Winter Garden FL: Low Mortgage Rates & Auto Loans

Introduction

Welcome to Vystar, your trusted financial partner located at 14130 W Colonial Dr, Winter Garden, FL 34787. Since our establishment in 1952, we have been dedicated to serving our community with a commitment to excellence and member satisfaction. With a strong membership base of 997,469 individuals, we pride ourselves on being more than just a credit union; we're a community-focused institution that prioritizes your financial well-being. At Vystar, we understand that every member's financial journey is unique. That's why we offer a wide range of services tailored to meet your needs from personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing. Our total assets of over $14.7 billion reflect our stability and dedication to providing you with the best possible banking experience. With a robust deposit portfolio totaling $975,513,063, we ensure that your money is not only safe but also working hard for you. Under the leadership of our CEO, Brian Wolfburg, and Board President, Phillip (Kem) Siddons, Vystar is continuously striving to enhance our offerings. We are proud of our team of 2,321 employees who are committed to supporting you every step of the way. Whether you're looking for financial advice or need assistance with your banking transactions, we're here for you. While members can visit us at our branch location in Winter Garden, official correspondence should be sent to the same address: 14130 W Colonial Dr, Winter Garden, FL 34787-4205. Ready to take charge of your finances? Call us at 407-326-7615 or explore more about our services at vystarcu.org. Join us today and experience the Vystar difference!

Branch History & Mission

At Vystar, we take pride in our rich legacy and unwavering commitment to serving the community. Established in 1952, our Winter Garden branch has grown alongside its members, evolving from a small credit union into a thriving financial institution that now proudly supports over 997,000 members. Located at 14130 W Colonial Dr, Winter Garden, FL 34787, our branch is easily accessible for anyone seeking comprehensive financial services. Our mission is clear: to provide exceptional financial products and services while fostering a strong sense of community. We believe in empowering our members with the tools they need to achieve their financial goals. Whether it's through personal banking services like checking and savings accounts, auto loans, or business banking solutions, Vystar is dedicated to making a positive impact on the lives of those we serve. Over the years, we've reached significant milestones, including amassing total assets of over $14.7 billion. This growth reflects not only our commitment to providing valuable financial solutions but also our dedication to building lasting relationships within the community. Our operating hours are designed with convenience in mind: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. We understand that modern banking requires flexibility and accessibility. That's why we offer both ATM access and drive-thru banking services for quick transactions. Our digital advancements include online and mobile banking options that allow members to manage their finances anytime, anywhere. At Vystar, we are more than just a credit union; we are an integral part of Winter Garden's fabric. Through various partnerships and community outreach efforts, we strive to support local initiatives and foster growth within our neighborhoods. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to our mailing address: 14130 W Colonial Dr, Winter Garden, FL 34787-4205. Join us at Vystar and experience the benefits of being part of a credit union that truly cares about your financial well-being. We invite you to reach out at 407-326-7615 or visit us online at Vystar Credit Union to learn more about how we can help you achieve your goals.

Branch Location & Accessibility

Convenient Access

We understand that accessibility is crucial for our members. Our branch features ADA-compliant entrances and ramps, ensuring everyone can visit us comfortably. Plus, ample parking is available right outside the building, so you won't have to worry about finding a spot when you arrive.

Get in Touch

If you have any questions or would like more information about our services, don't hesitate to give us a call at 407-326-7615. Our friendly staff is eager to assist you! We invite you to stop by our Winter Garden branch today and see how Vystar can help make your banking experience better than ever.

Operating Hours

Our doors are open for you from Monday to Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Whether you're stopping by during your lunch break or running errands on a Saturday morning, we're here when you need us!

Services Offered

At Vystar, we offer a wide range of services tailored to meet your banking needs. From personal checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need cash? We have an ATM on-site for quick withdrawals and balance checks. If you're looking for a little more convenience, our drive-thru service allows you to handle deposits and simple transactions without leaving your car.

Member Eligibility

At Vystar, we believe that becoming a member is like joining a family where your financial well-being matters. If you live, work, worship, or attend school in our community, you're already on your way to joining us! We welcome individuals from diverse backgrounds and situations because we know that together we can build a stronger financial future. To check if you meet the eligibility requirements or to find out more about the benefits of membership, feel free to visit our detailed resource here. Once you're ready to take the next step, opening an account with us is simple and straightforward. Just give us a call at (407) 326-7615 or visit us at 14130 W Colonial Dr Winter Garden Fl 34787 for personalized assistance. Our friendly team is eager to help you start your journey with Vystar, where you can enjoy perks like competitive loan rates and access to various financial services tailored just for you!

Business Banking & Commercial Services

Financing Your Business Growth

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 That Make Sense

Imagine having a reliable partner who simplifies payment processing. Our merchant services help you accept payments effortlessly, whether it's credit cards or mobile payments. This allows you to focus on what really matters growing your business. Whether you're a retail store or a service provider, we tailor our solutions to fit your needs. Located at 14130 W Colonial Dr Winter Garden Fl 34787, Winter Garden, FL, we're here to help you navigate your financial journey. Reach out to us at (407) 326-7615 for personalized assistance tailored to your unique business needs!

Comprehensive List Of Services

Accessibility Made Easy

For simple transactions like deposits and withdrawals, take advantage of our drive-thru banking service. We aim to make your banking experience as smooth as possible while ensuring accessibility for everyone. As we continue to serve the members of Vystar, we invite you to explore all these offerings and discover how they can enhance your financial journey. For questions or more information about any of our services, feel free to reach out at (407) 326-7615 or visit us online at https://www.vystarcu.org. Join us today and experience the difference!

Business Banking Options

If you're a business owner, we understand how important it is to have reliable financial support. Our business banking services, including merchant services and business loans, are tailored to help your business thrive. We believe in building strong partnerships with local businesses to foster community growth.

Convenient Digital Banking

In today's fast-paced world, convenience matters. That's why we offer comprehensive online and mobile banking solutions that allow you to manage your accounts from anywhere. Whether it's checking balances, transferring funds, or paying bills, our platforms make banking easy. Plus, access cash quickly through our ATM and cash withdrawal services, available at various locations.

Financial Flexibility

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation services come into play. We can help you consolidate debts or cover emergency costs with ease. Additionally, our credit cards with rewards offer benefits for everyday spending, giving you more back as you use them.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, we have options that fit your lifestyle. Our personal banking services include checking and savings accounts that help you manage your day-to-day finances effectively. If you're planning to purchase a vehicle, consider our auto loans and vehicle financing options designed to make your dream car a reality. For those thinking about homeownership, our mortgage loans and refinancing services provide competitive rates and personalized assistance throughout the process.

Digital & Online Banking

Convenient Online Access

With our robust online banking platform available at https://www.vystarcu.org, you can access your accounts 24/7 from anywhere. Check balances, pay bills, transfer money, and more all without stepping foot in a branch. Our user-friendly interface ensures that you can navigate through your financial tasks quickly and efficiently.

Effortless Money Transfers

Need to send money to a friend? Use our person-to-person transfer service for quick and easy transactions right from the app or online portal. It's all about making your life simpler while keeping everything secure. At Vystar, we are committed to offering you accessible, easy-to-use digital solutions that help you manage your finances in real-time. Experience the future of banking today!

Features for Your Peace of Mind

We prioritize your security with features like electronic signature authorization, which makes signing documents safe and straightforward. You can also opt for e-statements, giving you a paperless way to keep track of your finances while helping the environment at the same time.

Mobile Banking at Your Fingertips

Our mobile application is here to make banking even easier. With it, you can manage your accounts directly from your smartphone or tablet. Plus, if you're someone who loves convenience, our mobile payments feature allows you to pay for purchases without needing cash or cards just use your device!

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 understand that in today's world, having a strong financial partner is essential for your peace of mind. That's why we are proud to share our robust financial position with you. 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. Additionally, our lending capacity supports your financial goals across various sectors with $91,613 in used auto loans and $10,061,804,065 in total loans and leases. Our operational efficiency is reflected in our $0, which 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. 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 14130 W Colonial Dr Winter Garden Fl 34787 or call (407) 326-7615 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 purchasing a new or used vehicle, our flexible terms can fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $880,089,420 provide the capital needed to grow and expand. Whether you're looking to invest in new equipment or increase your working capital, we're here to support your business journey.

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 the process and help you secure the financing you need for your dream home.

Refinancing Options

If you're considering refinancing existing loans for better rates or terms, we have options available that could save you money. Contact us to learn more about eligibility and how refinancing could benefit you. Our dedicated team is ready to assist you with any questions you may have about our loan offerings. For more information or to get started on your application today, please give us a call at 407-326-7615. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 is perfect for those looking to consolidate debt or cover unexpected expenses without putting their assets at risk.

Loan Aggregator

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Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans