A Growing Community
Total Share and Deposit Accounts: 2,036,011, showing a strong and growing member base that trusts us with their finances. This trust is vital as it allows us to foster a community where everyone feels valued and secure in their 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 4575 S Cobb Dr Se Smyrna Ga 30080 or call (770) 308-5700 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.*
Member-Centric 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. We prioritize your savings by providing various options that ensure your hard-earned money is not only safe but also growing. 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. This approach underscores our dedication to putting members first.
Operational Efficiency
Our $14,230,503 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. This positive income indicates our ability to manage resources wisely while investing back into the credit union. 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. Our dedicated staff is here to assist you with any questions or needs you may have.
Reinvesting for Your Benefit
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. These earnings help us improve the services you rely on while keeping your finances secure. Our lending capacity supports members' financial goals across various sectors with $91,613 in used auto loans and $10,061,804,065 in total loans and leases. Whether you're looking to purchase a vehicle or need funds for other expenses, we're here to support your needs.
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. This solid foundation is crucial as it supports our ability to serve you effectively, even during challenging economic times. Our net worth ratio of 8.95% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This ratio reflects our commitment to maintaining a robust balance between our assets and liabilities.
