Overview / Commentary
904-777-6000
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 17th largest credit union in the nation. It was established in 1952 and as of September of 2018, it had grown to 1,462 employees and 630,535 members at 64 locations. Vystar Credit Union's money market rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in VyStar Credit Union is open businesses, individuals, organizations or churches who are living, working or operating in the following counties: Marion, Nassau, Baker, Brevard, Alachua, Duval, Bradford, Clay, Putnam, Lake, Levy, Seminole, St. Johns, Orange, Suwannee, Sumter, Volusia, Union, Flagler, Hamilton, Columbia, and Gilchrist. Family of current or eligible members may also join.
See current membership details

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Vystar

Vystar Credit Union is the only bank/credit I have ever used. To get a savings account, you must keep $5 in the account at all times, which does not show in your account. The savings account also gains a decent amount of interest, a few cents depending on your total saved. The checking accounts are free and generally have overdraft protection linked to savings account. As far as customer service, they are always extremely courteous and knowledgeable. Calling Customer Service, it is always easy to do what you need. Same things goes for in store. Also, you don't have to wait for a new card in the mail of you lose yours - they can print them in branch! My wife went to Vystar to get a loan, and instead of giving her a loan they gave her a new line of credit, which really helped us out. I would definitely rate them 5/5.

Penalized For Being A Victim Of Fraud

***UPDATE: VyStar contacted me and resolved my issue. I am satisfied! Thank you.***

I am a victim of fraud and VyStar is penalizing me for it. I did not physically lose nor lost my card. I did not give out my information to anyone illegitimate. It got hacked into and money stolen from it. Vystar is charging me a liability fee when I was always told by them that the money is federally insured, and in case of illegitimate transactions, all of it will be refunded to me. I thought that a credit union like Vystar will give me piece of mind, but in reality there are just as careless, incompetent, and profit driven as Big Banks. Vystar is supposed to be non-profit. Why are they making members pay for their insecure cards? Members are NOT at fault because VyStar cybersecurity safeguards are too weak to withstand hacking. It is VyStar’ responsibility to place electronic safeguards on the cards ISSUED BY THEM. It’s bad enough that hard earned money was stolen from me, but now the institution that is supposed to protect my money is stealing it again.

What Has Happened To Vystar??

I went to Vystar 10 years ago, never a problem, now all of a sudden it takes 6-8 weeks to credit a deposit from England...funny that, we have 3 direct deposits going in like clock work from England, one comes in the mail, always go to the branch for this one has taken 10 days to post...NOW ITS 6-8 WEEKS THE SAME FLIPPING CHECK FROM THE SAME COMPANY!!! at a cost of 120.00 a year to post this check!!! Vystar needs to wake up or they will be losing many customers!!!

As GOOD As It Gets! (Almost.........)

Posted by: OlGene | Dec 18, 2017

Been with these guys since 1976. Never a problem. they have been shoulder to shoulder with me, financially, through good times and bad.
Their CD rates are poor, and I guess that is because they build SO many new branches and need the money, but Navy Federal beats their (and ALL other) Badly.

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Health

Health Grade Components

Overall
NCUA #68490
Year Chartered1952
Employees1462
Primary Regulator
Profit Margin
Return on Assets - YTD1.09%
Return on Equity - YTD12.43%
Annual Interest Income$194.5MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$8.06B$6.93B
LoansQ3 2018vs Q3 2017$5.52B$4.92B
DepositsQ3 2018vs Q3 2017$5.87B$5.37B
Equity CapitalQ3 2018vs Q3 2017$689.1MM$620.9MM
Loan Loss AllowanceQ3 2018vs Q3 2017$33.6MM$32.6MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$17.0MM$22.6MM
Real Estate OwnedQ3 2018vs Q3 2017$215.00K$1.4MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not Vystar Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Vystar Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.56%*$100k*-IRA Savings
OTHER TIERS: 0.26% Up to $10k | 0.36% $10k - $25k | 0.46% $25k - $50k | 0.51% $50k - $100k
0.46%*$100k*-Health Savings Account
OTHER TIERS: 0.26% Up to $10k | 0.31% $10k - $25k | 0.36% $25k - $50k | 0.41% $50k - $100k
0.25%$2.5k-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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.70%*$250k*-Business Money Market
OTHER TIERS: 0.65% Up to $10k | 0.70% $10k - $25k | 0.80% $25k - $50k | 1.10% $50k - $100k | 1.30% $100k - $250k
1.70%*$250k*-Money Market Account
OTHER TIERS: 0.65% Up to $10k | 0.70% $10k - $25k | 0.80% $25k - $50k | 1.10% $50k - $100k | 1.30% $100k - $250k

Vystar Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$2.5k-Small Business Checking
0.10%$5k-Regular Business Checking
0.10%--Regular Checking
0.10%--VyTeen Checking
0.10%--Bravo Checking
0.10%--Achieve Checking
0.10%$2.5k-Non Profit Association Checking

Vystar Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.10%*$50k*-60 Month CD
OTHER TIERS: 2.95% $500 - $50k
3.10%*$50k*-Business 60 Month CD
OTHER TIERS: 2.95% $500 - $50k
2.95%*$50k*-48 Month CD
OTHER TIERS: 2.80% $500 - $50k
2.95%*$50k*-Business 48 Month CD
OTHER TIERS: 2.80% $500 - $50k
2.80%*$50k*-36 Month CD
OTHER TIERS: 2.65% $500 - $50k
2.80%*$50k*-Business 36 Month CD
OTHER TIERS: 2.65% $500 - $50k
2.65%*$50k*-30 Month CD
OTHER TIERS: 2.50% $500 - $50k
2.65%*$50k*-Business 30 Month CD
OTHER TIERS: 2.50% $500 - $50k
2.55%*$50k*-24 Month CD
OTHER TIERS: 2.40% $500 - $50k
2.55%*$50k*-Business 24 Month CD
OTHER TIERS: 2.40% $500 - $50k
2.40%*$50k*-18 Month CD
OTHER TIERS: 2.30% $500 - $50k
2.40%*$50k*-Business 18 Month CD
OTHER TIERS: 2.30% $500 - $50k
2.30%*$50k*-12 Month CD
OTHER TIERS: 2.20% $500 - $50k
2.30%$100$2k12 Month Kid's CD
2.30%$100$2k12 Month VyTeen Member CD
2.30%$100$2k12 Month Bravo Member CD
2.30%$100$2k12 Month Achieve Member CD
2.30%*$50k*-Business 12 Month CD
OTHER TIERS: 2.20% $500 - $50k
1.95%*$50k*-9 Month CD
OTHER TIERS: 1.85% $500 - $50k
1.95%*$50k*-Business 9 Month CD
OTHER TIERS: 1.85% $500 - $50k
1.60%*$50k*-6 Month CD
OTHER TIERS: 1.50% $500 - $50k
1.60%*$50k*-Business 6 Month CD
OTHER TIERS: 1.50% $500 - $50k
1.30%*$50k*-3 Month CD
OTHER TIERS: 1.20% $500 - $50k
1.30%*$50k*-Business 3 Month CD
OTHER TIERS: 1.20% $500 - $50k

Vystar Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.10%*$50k*-60 Month IRA
OTHER TIERS: 2.95% $500 - $50k
2.95%*$50k*-48 Month IRA
OTHER TIERS: 2.80% $500 - $50k
2.80%*$50k*-36 Month IRA
OTHER TIERS: 2.65% $500 - $50k
2.65%*$50k*-30 Month IRA
OTHER TIERS: 2.50% $500 - $50k
2.55%*$50k*-24 Month IRA
OTHER TIERS: 2.40% $500 - $50k
2.40%*$50k*-18 Month IRA
OTHER TIERS: 2.30% $500 - $50k
2.30%*$50k*-12 Month IRA
OTHER TIERS: 2.20% $500 - $50k
1.95%*$50k*-9 Month IRA
OTHER TIERS: 1.85% $500 - $50k
1.60%*$50k*-6 Month IRA
OTHER TIERS: 1.50% $500 - $50k
1.30%*$50k*-3 Month IRA
OTHER TIERS: 1.20% $500 - $50k
Locations

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