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

Introduction

Welcome to Vystar, your trusted financial partner located at 605 N Orlando Ave, Winter Park, FL 32789. Since our establishment in 1952, we have proudly served our community and are committed to helping our members achieve their financial goals. With a robust membership of over 997,000 individuals and total assets exceeding $14.7 billion, we stand as a pillar of support in the community. At Vystar, we understand that every member's journey is unique. That's why we offer a wide range of financial services tailored to meet your needs, from personal banking and auto loans to business financing options. Our dedicated team of 2,321 employees, led by CEO Brian Wolfburg and Board President Phillip Siddons, is here to provide personalized assistance and guidance every step of the way. While you can visit us at our convenient branch location for all your banking needs, please note that official correspondence should be sent to the same address: 605 N Orlando Ave, Winter Park, FL 32789. We pride ourselves on maintaining transparency and open communication with our members. Our commitment goes beyond just numbers; it's about community impact. With total deposits reaching $975 million and a strong net worth of $1.3 billion, we ensure that your money is not only secure but also working for you. We provide reliable services including mortgages, credit cards with rewards, and online banking solutions designed to make your life easier. Whether you're looking to open an account or need advice on managing your finances, we encourage you to reach out. Give us a call at 407-326-7646 or visit our website at www.vystarcu.org to learn more about how we can assist you today!

Branch History & Mission

Community Engagement

We take pride in being more than just a credit union; we're a part of the fabric of Winter Park and surrounding areas. Our partnerships with local organizations allow us to support various initiatives aimed at enhancing education, health, and overall community welfare. Whether it's hosting financial literacy workshops or supporting local charities, we are committed to giving back. In addition to traditional banking services, we offer modern conveniences like online banking and mobile payments to ensure that managing your finances is easy and accessible. With ATM availability and drive-thru services at our branch, we prioritize your experience while ensuring ADA compliance for all members.

Join Us

As we look toward the future, we invite you to become part of the Vystar family. Experience firsthand how we can help you achieve your financial goals while making a positive impact on the community. Visit us today or call 407-326-7646 for more information on how you can benefit from joining Vystar. Together, let's build a brighter future!

Mission Statement

Our mission is straightforward: We aim to enhance the quality of life for our members and communities through accessible financial services and education. At Vystar, we believe that financial health is vital for individual empowerment and community prosperity. We strive to deliver value-driven products while actively engaging in community outreach initiatives that uplift those around us. While members can visit us at 605 N Orlando Ave, official correspondence should be sent to 605 N Orlando Ave, Winter Park, FL 32789. Our operating hours are designed with your 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.

Our Evolution

Since opening our doors, Vystar has continually evolved to meet the needs of our members. We've expanded our offerings beyond basic banking services to include auto loans, mortgages, personal loans, and business banking solutions. Today, with total assets exceeding $14.7 billion, we are equipped to provide a comprehensive range of financial products tailored for every member's unique situation. Our growth reflects not just numbers but the trust and loyalty of our members who have chosen us as their financial partner.

Branch Location & Accessibility

Welcome to Vystar, your friendly neighborhood credit union located at 605 N Orlando Ave in Winter Park, FL! Our branch is easy to find and conveniently situated near popular local spots, making it a breeze for you to pop in for all your banking needs. Whether you're heading to the charming shops nearby or enjoying a day at Central Park, we are just a short walk away. At Vystar, we prioritize accessibility. Our branch is designed with features like ramps and ADA-compliant entrances to ensure everyone can visit us comfortably. Plus, we offer ample parking for our members, so you can park with ease when you come by. Our operating hours are tailored to fit your busy schedule: we're 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. If you need assistance outside of these hours, feel free to call us at 407-326-7646; we're here to help! For those who prefer banking on-the-go, our branch also boasts an ATM that's accessible whenever you need it. If you're in a hurry, take advantage of our drive-thru service for quick deposits and withdrawals. While members can visit us at 605 N Orlando Ave Winter Park Fl 32789, official correspondence should be sent to our mailing address at 605 N Orlando Ave, Winter Park, FL 32789. We look forward to serving you with personal banking solutions tailored just for you from checking and savings accounts to auto loans and business banking services. Come visit Vystar today and experience the difference of community-focused banking!

Member Eligibility

At Vystar, becoming a member is like joining a welcoming family that values your financial well-being. If you live, work, or go to school in the area, you're likely already eligible! We love serving our community and providing personalized services tailored just for you. The benefits of being a member are numerous, including competitive rates on loans and savings accounts, access to online banking, and a dedicated team ready to assist you with all your financial needs. To learn more about the specific eligibility requirements, feel free to check out our detailed resource at . Ready to take the next step? Opening an account with us is simple! Just give us a call at (407) 326-7646, and our friendly staff will guide you through the process. You can also visit us at 605 N Orlando Ave Winter Park Fl 32789 for any assistance you need. We can't wait to welcome you into our Vystar family!

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, we offer merchant services that simplify everyday transactions. Imagine processing customer payments seamlessly at your retail store or online shop our solutions make it easy for you to manage cash flow and improve customer satisfaction. With tools tailored to your business size and type, you can focus more on what matters: growing your business. Visit us at 605 N Orlando Ave Winter Park Fl 32789, Winter Park, FL or call us at (407) 326-7646 to learn how we can support your business goals today!

Comprehensive List Of Services

Accessible Services Just for You

We also offer basic drive-thru banking for those quick transactions like deposits or withdrawals without stepping inside the branch. Our ATMs allow for easy access to cash and balance checks whenever needed. If you have any questions about our services or want to learn more about how Vystar can assist you on your financial journey, don't hesitate to reach out! Call us at 407-326-7646 or visit us online at Vystar's Website. We look forward to serving you!

Banking on Your Terms

In today's fast-paced world, having access to your finances anytime is crucial. That's why Vystar provides robust online and mobile banking features. Whether you're making transfers or checking your balance while on the go, our digital banking options ensure you have control over your money wherever you are. Plus, with ATM and cash withdrawal services readily available, accessing your funds is quick and convenient.

Business Solutions That Work

If you're a business owner, Vystar is here to support you as well. Our business banking services include merchant services and business loans tailored to help you grow. We understand the unique challenges businesses face, and we strive to offer solutions that fit your specific needs.

Personal Banking Made Easy

When it comes to personal banking, Vystar offers everything from checking and savings accounts that help you keep track of your finances to auto loans and vehicle financing tailored for your next big purchase. Imagine driving off in that new car you've been eyeing, knowing that our competitive rates make it easy for you. Additionally, if you're considering a new home or need to refinance an existing mortgage, our mortgage loans can guide you through the process with ease.

Simplifying Loans and Credit

For those times when life throws unexpected expenses your way, our personal loans and debt consolidation options can provide the relief you need. With flexible terms and straightforward processes, we aim to make borrowing stress-free. Plus, don't forget about our credit cards with rewards! They not only offer convenience but also give back through points or cash rewards on everyday purchases.

Digital & Online Banking

Key Features

Our digital offerings include E-Statements, which allow you to view your account statements online instead of waiting for paper copies. This not only helps you stay organized but also contributes to a greener planet. Plus, with electronic signature authorization, signing documents is as simple as clicking a button no more printing or mailing required! If you're always on the move, our mobile application keeps your bank right in your pocket. You can make mobile payments with just a tap, ensuring that you can pay for purchases quickly and securely. Additionally, our person-to-person transfer feature lets you send money to friends and family instantly ideal for splitting bills or sending gifts. We prioritize your security and ease of use in every aspect of our online banking experience. Our platforms are protected with the latest technology to keep your information safe while providing you with quick access to all your financial needs. At Vystar, we're committed to making banking straightforward and accessible for everyone. Join us today and experience the freedom of managing your finances from anywhere!

Financial Strength

Commitment to Growth

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 evident with $91,613 in used auto loans and $10,061,804,065 in total loans and leases, supporting your financial goals across various sectors. Our operational efficiency is reflected in our $0, allowing us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 2,315 full-time employees and 6 part-time employees who are always ready to serve you with a knowledgeable, committed team.

Growing Together

Our net shares available for lending and investments stand at $72,607,517, highlighting our capability to support your financial needs effectively. With total share accounts reaching 2,036,011, it's clear that many trust 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 605 N Orlando Ave Winter Park Fl 32789 or call (407) 326-7646 to learn more about how we can help you achieve your financial goals.

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.

Solid Financial 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 offer some of the lowest rates in the industry. We have already issued over $1,727,078,927 in used vehicle loans and $1,313,138,601 in new vehicle loans to help our members get on the road. Whether you're looking for financing for a brand-new model or a reliable pre-owned vehicle, we can guide you through the process.

Credit Lines and Unsecured Loans

We also provide flexible terms on unsecured credit card loans, with a total of $680,082,195 in loans helping members manage their finances effectively. If you're considering accessing additional funds for personal projects or managing expenses, our credit lines can be a great solution.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $701,523,958. We make buying or refinancing simple and straightforward. Our experienced team is ready to assist you with your mortgage needs and ensure you understand all available options.

Refinancing Options

If you're currently paying off an existing loan and are interested in refinancing options to lower your payments or adjust your terms, please reach out to us. Our team can help assess your current financial situation and explore the best options for you. Our commitment at Vystar goes beyond just providing loans; we aim to empower our members with knowledge and resources for better financial health. For more information or to discuss any specific loan product, feel free to contact us at 407-326-7646 during our operating hours: Monday - Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how Vystar can support your financial aspirations today!

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Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans