VyStar Credit Union Yulee FL: Quick Personal Loans & Top Checking Accounts

Introduction

Welcome to Vystar, your trusted financial partner located at 85375 Miner Rd, Yulee, FL 32097. Since opening our doors in 1952, we have proudly served our community, focusing on delivering exceptional banking experiences and fostering strong member relationships. With a total membership of 997,469, we are committed to empowering our members with the financial tools they need to thrive. At Vystar, we understand that every member's journey is unique. That's why we offer a diverse range of services including personal banking, auto loans, mortgages, and business banking solutions. With total assets exceeding $14.7 billion and total deposits of $975,513,063, our solid financial foundation allows us to provide competitive rates and innovative products designed for your needs. Our leadership team is dedicated to ensuring that you receive the highest level of service. Under the guidance of CEO Brian Wolfburg and Board President Phillip (Kem) Siddons, Vystar continues to grow and adapt in an ever-changing financial landscape. Our team of 2,321 employees stands ready to assist you with personalized support. While members can visit us at 85375 Miner Rd, official correspondence should be sent to our mailing address: 85375 Miner Rd, Yulee, FL 32097-7253. We invite you to discover how Vystar can help you achieve your financial goals. Whether you're looking for a new loan or need assistance with your accounts, please don't hesitate to reach out. Call us today at 904-420-5700 or visit our website at vystarcu.org for more information. Join us as we continue to build a brighter financial future together!

Branch History & Mission

Community Engagement

Community support is woven into the fabric of Vystar's identity. We actively participate in local initiatives and partnerships that uplift those around us. Whether it's sponsoring educational programs or supporting local charities, we believe that when our community thrives, we all benefit. While members can visit us at 85375 Miner Rd, official correspondence should be sent to 85375 Miner Rd, Yulee, FL 32097-7253. Our branch operates on Tuesdays through Fridays from 11:30 AM to 1:00 PM, offering personalized service during these hours.

Looking Ahead

As technology continues to advance, Vystar remains committed to enhancing member experiences through digital solutions such as online banking and mobile payments. We prioritize accessibility for all members by ensuring compliance with ADA standards and continually updating our services based on member feedback. Join us at Vystar Credit Union today! Experience firsthand how we can support your financial journey while making a meaningful difference in the community. For more information or assistance, feel free to contact us at 904-420-5700 or visit our website at Vystar. Together, let's build a brighter financial future!

Our Journey

Over the years, Vystar has evolved from a small credit union into a trusted financial institution with a membership base of nearly 1 million members. With total assets exceeding $14.7 billion, our growth reflects not just our dedication to sound financial practices but also the trust placed in us by our community. We have continually expanded our offerings to include personal banking, auto loans, mortgages, and business banking services, ensuring that we meet the diverse needs of those we serve. Our mission is straightforward yet powerful: to enhance the financial well-being of our members while contributing positively to the communities we serve. We aim to provide accessible and affordable financial services that empower individuals and businesses alike. This commitment is at the heart of everything we do.

Branch Location & Accessibility

Accessibility Features

At Vystar, we believe in making banking accessible for everyone. Our branch is ADA-compliant and features ramps for easy entry. Plus, ample parking is available right outside, so you won't have to worry about finding a spot.

Operating Hours

We are here to serve you Tuesday through Friday from 11:30 AM to 1:00 PM. We aim to make your visit as smooth as possible during these hours. If you have any questions or need assistance outside of these times, feel free to call us at 904-420-5700.

Services Offered

While visiting Vystar, you'll find a range of services tailored just for you! From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we strive to meet all your financial needs. Although we do not currently offer ATM services or drive-thru banking at this location, our friendly staff is ready and waiting to assist you inside the branch. We invite you to come by and experience the Vystar difference. Stop in today or give us a call if you have any questions we look forward to welcoming you!

Member Eligibility

Becoming a member of Vystar feels like joining a close-knit community that genuinely cares about your financial journey. Here, we welcome individuals who live, work, worship, or attend school in the areas we serve. Whether you're looking for a supportive place to manage your savings or seeking loans with competitive rates, you'll find that Vystar is dedicated to helping you achieve your goals. For those interested in membership, the process is straightforward and welcoming just visit us at our branch located at 85375 Miner Rd Yulee Fl 32097, or give us a call at (904) 420-5700. If you'd like more detailed information about eligibility criteria, feel free to check out our website at . We're excited to have you join our family and start enjoying the benefits that come with being a member!

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

Imagine running your operations smoothly while efficiently processing payments. Our merchant services make it easy for you to accept various forms of payment, enhancing customer satisfaction and streamlining transactions. From point-of-sale systems to online payment options, we provide tools that fit your needs and help your business flourish. Located at 85375 Miner Rd Yulee Fl 32097, Yulee, FL 32097, our team is ready to assist you with personalized financial solutions tailored for your unique business challenges. Give us a call at (904) 420-5700 to learn more about how we can partner with you on your journey to success!

Comprehensive List Of Services

Accessing Your Accounts Made Easy

With features like ATM & Cash Withdrawal Services available at select locations, accessing cash is simple. Plus, we offer secure digital banking features such as electronic signatures and e-statements for peace of mind regarding your information security. At Vystar, we pride ourselves on being more than just a financial institution; we're here to support you through every stage of life. With convenient hours from Tuesday to Friday, 11:30 AM to 1:00 PM, we're here when you need us. For any questions or assistance regarding these services, feel free to reach out at (904) 420-5700 or visit us online at https://www.vystarcu.org. Let us help you take charge of your finances today!

Business Banking Options

Business owners can take advantage of our comprehensive Business Banking solutions, including Merchant Services and Business Loans designed to empower local enterprises. We believe in supporting our community by helping businesses thrive.

Financial Assistance and Credit Solutions

For those times when unexpected expenses arise, our Personal Loans & Debt Consolidation services provide flexible options to help get you back on track. And don't forget about our Credit Cards with Rewards, which not only offer convenience but also give you points for every purchase perfect for treating yourself while managing everyday expenses.

Personal Banking Solutions

Start with our Personal Banking services, where you can choose from various checking and savings accounts tailored to fit your lifestyle. Imagine easily managing your finances online with our Online & Mobile Banking features. You can check balances, transfer funds, and pay bills all from the comfort of your home or on the go. Need a new car? Our Auto Loans & Vehicle Financing options make purchasing a vehicle straightforward and stress-free. We offer competitive rates that can help you drive away in the car of your dreams without breaking the bank. If you're considering buying a home or refinancing your current mortgage, look no further than our Mortgage Loans & Refinancing services. Our experienced staff will guide you through the process to find the best solution for your needs.

Digital & Online Banking

Key Features

Our mobile application allows you to take control of your finances right from your smartphone. Whether you want to deposit checks remotely or set up person-to-person transfers, you'll find it easy and intuitive. Plus, if you're always on the move, our mobile payments feature lets you make purchases quickly and securely without reaching for your wallet. For those who prefer to go paperless, we offer e-statements, giving you a convenient way to view your account statements electronically. This not only helps reduce clutter but also makes it easier to track your spending.

Security You Can Trust

We prioritize your security with electronic signature authorization, ensuring that all transactions are safe and protected. Rest assured that your sensitive information is secure while using our digital banking tools. With these user-friendly features, managing your finances has never been more accessible or straightforward. At Vystar, we're committed to providing you with the best banking experience possible because when it comes to your money, you deserve nothing less!

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 committed to maintaining robust financial health, which allows us to support you in achieving your financial goals. 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; with $91,613 in used auto loans and $10,061,804,065 in total loans and leases, we support our members' financial goals across various sectors. Our operational efficiency shines through with a net income of $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) stand at $72,607,517. Total Share and Deposit Accounts have reached an impressive 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 85375 Miner Rd Yulee Fl 32097 or call (904) 420-5700 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. We have already facilitated $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 with ease. Whether you're purchasing a brand-new vehicle or a reliable used one, our flexible financing options can fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $880,089,420 provide the capital necessary to grow and expand your business. We understand the unique challenges faced by entrepreneurs and are here to support your journey. If you're considering refinancing any existing loans or exploring eligibility options for any of our products, don't hesitate to reach out. Our dedicated team is ready to assist you with personalized solutions that fit your financial situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you have any questions or need assistance with applying for a loan product at Vystar, please give us a call at 904-420-5700. We're here to help you navigate your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options are tailored to meet your needs. We provide Junior Lien 1-4 Family Residential Properties loans totaling $701,523,958, making buying or refinancing simple and accessible for everyone. Our team is ready to guide you through the process so you can make informed decisions about your future home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $680,082,195 in these loans helping members manage their finances effectively, you can enjoy peace of mind knowing that you have access to funds when needed without tying up collateral.

Loan Aggregator

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Vystar

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans