Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
4949 Blanding Blvd
Jacksonville, FL 32210

Vystar Credit Union is headquartered in Jacksonville and is the 2nd largest credit union in the state of Florida. It is also the 19st largest credit union in the nation. It was established in 1952 and as of March of 2014, it had grown to 1,159 employees and 453,051 members. Vystar Credit Union has a A health rating.

Field of Membership Restrictions

Must live or work in Alachua, Baker, Bradford, Clay, Columbia, Duval, Flagler, Gilchrist, Hamilton, Levy, Marion, Nassau, Putnam, St. Johns, Suwannee, Union or Volusia County. - See Details

Reviews (5)

Would Give A Minus Rating If Possible

Hope you never have a problem!  Vystar Customer service reps do not listen.  I was explaining what I needed and the phone sounded like no one was there.  When I didn't get any response to a question, I asked if the rep was listening.  She said she didn't have to put up with talk like that and hung up.  I called back and told the next person I was upset because I was hung up on and she all but called me a liar and hung up.  I thought calls WERE the job ... not an interruption to what ever they were doing.  POOR CUSTOMER SERVICE!!!

Title Issue

  I filed bankruptcy a little over a year ago. I defaulted on a boat loan and a credit card.

I re-affirmed the auto loan I had.

I have one payment left on the auto loan and when I called to find out the pay off they told me I still owed $40,000.00.

The pay off is supposed to be only around $450.00.

They had placed a lien on my truck for the boat and credit card loss and said they would not release the title until I paid the rest.

How is it legal to do this. If I had know they could do this I would have not reaffirmed the auto loan.

NO ONE explained they could do this during the bankruptcy.


Vystar Mobile App

Great bank, you have to do an app for window phones.

Loss Of Comunnication!

Long story short. I applied for a auto loan through vystar. I am out of state and no where near my usual vystar location. When I talked to a vystar representative she claimed this would be an easy process. If I would have know the trouble they caused I would have turned away and ran! Every day I called to check on my auto loan process and everyday they needed a different piece of paper work faxed. There is no problem with needing something faxed but every other day it was 6 more documents and documents I already faxed. The owner of the car that I am purchasing sent the title and the bank lost it! They eventually found it but needless to say they have awful communication with one another. Every representative I talked to had different needs. I would not recommend using vystar. They are just IRRESPONSIBLE!

Vystar review

Vystar is an overall good credit union. Their checking account and savings accounts have no fees, which is great. Additionally, you can withdraw and deposit into your savings account without restriction, which is also nice. They have great customer service in the branch, and in Jacksonville where I live they have several branches. I also did an auto loan with them with a much better interest rate than I had. One of the areas they do fall short is weekend customer service over the phone if you have an issue, you cannot reach a person until Monday. Additionally, they are very strict on pulling money out of ATMs, so never try to take much money out on the weekends, as your account will be locked. These inconveniences are because they are such a small bank. Overall I would recommend them- just make sure you plan ahead of weekends any time you need to make large withdrawals.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Vystar Credit Union had $21.94 million in non-current loans and owned real-estate with $513.96 million in equity and loan loss allowances on hand to cover it. This gives Vystar Credit Union a Texas Ratio of 4.27% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Vystar Credit Union decreased dramatically from 7.11% as of March 31, 2013 to 4.27% as of March 31, 2014, resulting in a positive change of 39.93%.This indicates that the balance sheet and financial strength for Vystar Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Vystar Credit Union has increased its total deposits by $187.15 million, resulting in 4.68% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Vystar Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Vystar Credit Union has $5.18 billion in assets with $513.96 million in equity, resulting in a capitalization level of 9.91%, which is above average.

Institution Statistics

NCUA #68490
Year Chartered1952
Primary Regulator
Assets and Liabilities
Assets$5.18 billion
Loans$3.16 billion
Deposits$4.19 billion
Equity Capital$465.76 million
Loan Loss Allowance$48.19 million
Unbacked Noncurrent Loans$17.27 million
Real Estate Owned$4.68 million
Historic Data - March 2013
Assets$4.92 billion
Equity Capital$443.87 million
Loan Loss Allowance$59.40 million
Unbacked Noncurrent Loans$17.27 million
Real Estate Owned$4.24 million
Profit Margin - Quarterly
Return on Assets0.95%
Return on Equity10.54%
Interest Income$40.55 million

Always verify rates and promotions with the bank or credit union. We are not Vystar Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Vystar Credit Union Savings Account Rates

0.56%$100k-IRA Savings
0.46%$100k-Health Savings Account
0.25%--Business Savings
0.25%$50-Primary Savings
0.25%--Kids Club Savings
0.25%$50-VyTeen Savings
0.25%$50-Bravo Savings
0.25%$50-Achieve Savings
0.25%$50-Regular Savings

Vystar Credit Union Money Market Rates

0.46%$100k-Business Money Market
0.46%$100k-Money Market Account

Vystar Credit Union Checking Account Rates

0.10%--Business Club Checking
0.10%--Small Business Checking
0.10%--Regular Business Checking
0.10%--Regular Checking
0.10%--VyTeen Checking
0.10%--Bravo Checking
0.10%--Achieve Checking

Vystar Credit Union CD Rates

1.51%$50k-60 Month CD
1.51%$50k-Business 60 Month CD
1.21%$50k-48 Month CD
1.21%$50k-Business 48 Month CD
1.01%$50k-36 Month CD
1.01%$50k-Business 36 Month CD
0.86%$50k-30 Month CD
0.86%$50k-Business 30 Month CD
0.81%$50k-24 Month CD
0.81%$50k-Business 24 Month CD
0.71%$50k-18 Month CD
0.71%$100-12 Month Kid's CD
0.71%$100-12 Month VyTeen Member CD
0.71%$100-12 Month Bravo Member CD
0.71%$100-12 Month Achieve Member CD
0.71%$50k-Business 18 Month CD
0.66%$50k-12 Month CD
0.66%$50k-Business 12 Month CD
0.46%$50k-9 Month CD
0.46%$50k-Business 9 Month CD
0.41%$50k-6 Month CD
0.41%$50k-Business 6 Month CD
0.31%$50k-3 Month CD
0.31%$50k-Business 3 Month CD

Vystar Credit Union IRA Rates

1.51%$50k-60 Month IRA
1.21%$50k-48 Month IRA
1.01%$50k-36 Month IRA
0.86%$50k-30 Month IRA
0.81%$50k-24 Month IRA
0.71%$50k-18 Month IRA
0.66%$50k-12 Month IRA
0.46%$50k-9 Month IRA
0.41%$50k-6 Month IRA
0.31%$50k-3 Month IRA

Vystar Credit Union has 40 locations. Click to view all Vystar Credit Union locations.