VyStar Credit Union Smyrna GA: Affordable Auto Loans & Business Banking

Introduction

Welcome to Vystar, your trusted partner in financial services, located at 4575 S Cobb Dr SE, Smyrna, GA 30080. Since our establishment in 1952, we have been dedicated to empowering our community with the resources and support they need to achieve their financial goals. As part of the larger Vystar family, we proudly serve over 997,000 members, offering a comprehensive range of services designed to meet diverse banking needs. At Vystar, we understand that every member is unique. That's why we offer personal banking solutions including checking and savings accounts, auto loans, mortgage options, and credit cards with rewards tailored just for you. With total assets exceeding $14.74 billion and total deposits amounting to $975.51 million, we are committed to providing stability and reliability for all your financial endeavors. Our team is led by CEO Brian Wolfburg and Board President Phillip (Kem) Siddons, who are deeply invested in fostering strong relationships within our community. With a dedicated staff of 2,321 employees, we're here to help you navigate your financial journey with expertise and care. While members can visit us at our branch location, official correspondence should be sent to the same address for convenience. We invite you to explore how Vystar can enhance your banking experience. Whether you're looking for guidance on loans or want to take advantage of our mobile banking features, we're here for you. Feel free to reach out at 770-308-5700 or visit us online at Vystar Credit Union. Your financial success is our priority!

Branch History & Mission

Community Impact

Vystar's dedication extends beyond banking. We engage in numerous partnerships and outreach programs within Smyrna and its neighboring communities. From sponsoring local events to supporting educational programs, we aim to create lasting impacts that foster growth and unity. As we look forward, we invite you to join us on this journey. Experience firsthand how Vystar can help you achieve your dreams while being part of a community-focused family. Visit us during our operating hours Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM or give us a call at 770-308-5700. Join Vystar today and discover the difference that membership makes!

Our Journey

Vystar began as a humble credit union with a commitment to providing exceptional service and support to our local community. Over the years, we've witnessed tremendous growth and change, adapting to meet the needs of our members while maintaining our core values of integrity, trust, and community focus. Our branch is located at 4575 S Cobb Dr SE in Smyrna, making it easily accessible for those nearby. Whether you're visiting us for personal banking or business services, you'll find a welcoming environment designed to make your experience enjoyable. While our branch address serves as a hub for day-to-day transactions and member interactions, official correspondence can be sent to the same address: 4575 S Cobb Dr SE, Smyrna, GA 30080.

Our Mission

At Vystar, our mission is simple yet profound: we strive to empower our members with the tools they need to achieve their financial goals. We offer a variety of services including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. Our goal is not just to provide financial services but also to actively support community initiatives that uplift those around us. We believe that everyone deserves access to fair financial services. That's why we are committed to ADA compliance and continually seek ways to improve digital accessibility through online banking options like mobile payments and person-to-person transfers. We take pride in being customer-centric; every initiative we undertake is aimed at improving the member experience.

Branch Location & Accessibility

Accessibility Features

At Vystar, we believe in making banking accessible for everyone. Our branch is equipped with ADA-compliant features to accommodate all members. You'll find ample parking spaces available right outside the entrance, along with ramps for easy access. Plus, our drive-thru service allows for quick and convenient transactions without leaving your vehicle.

Call-to-Action

Ready to take the next step? We invite you to visit us at Vystar in Smyrna or give us a call at 770-308-5700. Let us help you achieve your financial goals today!

Operating Hours

We're here for you during the following hours: Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. Whether you need assistance with personal banking, auto loans, or business services, our friendly staff is ready to help you navigate your financial needs.

Services Offered

Our branch offers a variety of services tailored to meet your needs. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. You can also take advantage of our ATM availability for quick cash withdrawals and balance checks.

Member Eligibility

At Vystar, we believe that becoming a member means joining a supportive community where your financial well-being is our priority. If you're looking to join us at our Smyrna branch located at 4575 S Cobb Dr Se Smyrna Ga 30080, you'll find that eligibility is quite accessible. Generally, membership is open to anyone who lives, works, or worships in the area, along with their family members. This inclusive approach ensures that we welcome a diverse range of individuals into our credit union family. For more detailed information on eligibility criteria, feel free to visit this link and see if you qualify! Opening an account with us is straightforward and convenient. You can get started by visiting our website or giving us a call at (770) 308-5700 for assistance. Our friendly staff is here to guide you through the process and help you take advantage of the many benefits that come with being a member of Vystar. From personal banking services to loans and online banking options, we're committed to making your experience as smooth as possible!

Business Banking & Commercial Services

Merchant Services That Make Sense

In addition to loans, we offer merchant services that streamline your transactions and enhance customer satisfaction. Imagine being able to accept payments easily whether in-store or online allowing you to focus on what you do best: running your business. Our services are designed to make payments simple and secure, giving you peace of mind. Located at 4575 S Cobb Dr Se Smyrna Ga 30080 in Smyrna, GA, we invite you to explore how our business banking solutions can empower your success. Contact us today at (770) 308-5700!

Tailored 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.

Comprehensive List Of Services

Business Banking

If you're a business owner, we've got you covered too! Our business banking services, including merchant services and business loans, are designed to support your growth. We understand how vital it is for you to have reliable financial tools as you build and expand your venture.

Credit Cards

For those who enjoy rewards for their spending, our credit cards with rewards are a fantastic choice. You can earn points for everyday purchases, making it easier to treat yourself later on.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why at Vystar, we offer robust online and mobile banking features. You can easily manage your accounts from anywhere using our mobile application. Whether you want to check your balance, transfer funds, or pay bills, it's all just a few taps away. Additionally, our ATM and cash withdrawal services, along with basic drive-thru banking for deposits and withdrawals, ensure that accessing your money is straightforward and hassle-free.

Get Started Today!

With so many services available at Vystar, there's something for everyone. Whether you're taking the first steps towards financial independence or managing complex business needs, we're here to assist you every step of the way. Feel free to reach out at (770) 308-5700 or visit us at 178-smyrna, Georgia. Let's work together towards achieving your financial goals today!

Personal Banking

Starting with personal banking, we provide checking and savings accounts that fit your lifestyle. Imagine having a simple way to manage your daily expenses while also saving for future goals like a vacation or a new car. Our auto loans and vehicle financing options make it easier than ever to hit the road in the car of your dreams without breaking the bank. Need a place to call home? Our mortgage loans and refinancing services can help you secure that perfect house or lower your existing mortgage payments. Plus, if you're feeling overwhelmed by debt, our personal loans and debt consolidation options can give you the relief you need to regain control over your finances.

Digital & Online Banking

Key Features

We prioritize security while providing user-friendly features. For instance, our electronic signature authorization makes it simple to sign documents securely without needing to visit a branch. This means fewer trips and more time for what matters most to you. Plus, with e-statements available, you'll receive your monthly statements electronically helping to reduce paper clutter while also being environmentally friendly. If you're always on the move, you'll love our mobile application. It's designed for ease of use, allowing you to handle your banking needs right from your smartphone. You can also make mobile payments easily and quickly, whether you're splitting a bill with friends or shopping online. Our person-to-person transfer feature ensures that sending money to someone else is just a few taps away. In today's fast-paced world, having real-time access to your accounts is essential. With our comprehensive digital banking services at Vystar, you can feel confident knowing that your finances are just a click away and securely managed anytime, anywhere. Experience the convenience of modern banking with us today!

Financial Strength

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 $0 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 $895 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.

Loan Offering

Additional Services

For business owners, our outstanding commercial loans totaling $880,089,420 provide the capital needed to grow and expand. We're committed to supporting local businesses as they thrive in our community. If you're considering refinancing or exploring eligibility options for any of our loan products, don't hesitate to reach out. Our dedicated team is ready to assist you in finding the right fit for your financial situation. For more information or to discuss your specific needs with one of our representatives at Vystar located at 4575 S Cobb Dr Se Smyrna GA 30080, please call us at 770-308-5700. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Your journey toward achieving your financial goals starts here!

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 interested in financing a brand-new vehicle or looking for a great deal on a reliable used car, our flexible terms can help make it happen.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $701,523,958, making buying or refinancing simple. With competitive rates and personalized service, we're here to guide you through every step of the process.

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. Our credit cards come with rewards and features that make them an excellent tool for everyday purchases and larger expenses alike.

Loan Aggregator

Transparency and Reliability

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VYSTAR CREDIT UNION

Type of Loan Offerings

Personal Loans

Vehicle Loans