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VyStar Credit Union


Overview / Commentary
www.vystarcu.org
904-777-6000
76 S Laura St
Jacksonville, FL 32202

VyStar Credit Union is headquartered in Jacksonville and is the 2nd largest credit union in the state of Florida. It is also the 13th largest credit union in the nation. It was established in 1952 and as of December of 2023, it had grown to 2,254 employees and 926,588 members at 95 locations. VyStar Credit Union's CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in VyStar Credit Union is open individuals who live or work in the Florida counties of Alachua, Baker, Bay, Bradford, Brevard, Calhoun, Citrus, Clay, Columbia, Dixie, Duval, Escambia, Flagler, Franklin, Gadsden, Gilchrist, Gulf, Hernando, Hamilton, Hillsborough, Holmes, Jackson, Jefferson, Lafayette, Lake, Leon, Levy, Liberty, Madison, Marion, Nassau, Okaloosa, Orange, Osceola, Pasco, Pinellas, Polk, Putnam, Santa Rosa, Seminole, St. Johns, Sumter, Suwannee, Taylor, Union, Volusia, Walton, Wakulla and Washington or the Georgia counties of Camden, Charlton, Glynn and Ware. Family of current members or membership-eligible individuals may also join.
See current membership details

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Reviews (50)

New Rate 5.25% 13 Month CD

Posted by: |

Just got an email offering 5.25% on a limited time offering for a new CD

1

Penalized For Being A Victim Of Fraud

Posted by: |

***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.

17

Poor Service

Posted by: |

I have been banking with Vystar for over 30 years and I have never seen customer services as poor as it is now. I know covid changed things but vystar has let their service go down hill. I know I'm not the only one because every time I go in there are people complaining about the wait times and lack of service.

16

Vystar Is Getting Worse

Posted by: |

Every time they have an update or an upgrade you can be sure you will not be able to use your app or log online. When are they going to get some people that know what they are doing? They are getting worse by the minute. It is time to start looking around.

22
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Health
B+

Data as of Q4 2023

Learn why bank health matters

Health Grade Components

Overall
NCUA #68490
Year Chartered1952
Employees2254
Primary Regulator
Profit Margin
Return on Assets - YTD0.18%
Return on Equity - YTD0.7%
Annual Interest Income$612.3MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$13.58B$13.66B
LoansQ4 2023vs Q4 2022$9.51B$9.47B
DepositsQ4 2023vs Q4 2022$10.05B$10.57B
Equity CapitalQ4 2023vs Q4 2022$3.53B$2.94B
Loan Loss AllowanceQ4 2023vs Q4 2022$88.7MM$49.7MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$92.7MM$76.3MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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
0.10%$2.5k-Business Savings
0.10%$50-Primary Savings
0.10%--Kids Club Savings
0.10%$50-Regular Savings
0.10%$50-Holiday Savings

VyStar Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*$100k*-Business Money Market
OTHER TIERS: 1.00% → Any amount | 1.10% → Up to $50k | 1.30% → $10k - $100k
1.50%*$250k*-Money Market Account
OTHER TIERS: 1.00% → Up to $10k | 1.10% → $10k - $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%$2.5k-Non Profit Association Checking
0.10%--Teen & Youth Checking Account

VyStar Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.85%*$50k*-9 Month CD
OTHER TIERS: 4.75% → $500 - $50k
4.75%*$50k*-24 Month CD
OTHER TIERS: 4.65% → $500 - $50k
4.50%*$50k*-Business 9 Month CD
OTHER TIERS: 4.40% → $500 - $50k
4.00%*$50k*-30 Month CD
OTHER TIERS: 3.90% → $500 - $50k
4.00%*$50k*-Business 24 Month CD
OTHER TIERS: 3.90% → $500 - $50k
4.00%*$50k*-Business 30 Month CD
OTHER TIERS: 3.90% → $500 - $50k
3.80%*$50k*-12 Month CD
OTHER TIERS: 3.70% → $500 - $50k
3.80%*$50k*-Business 12 Month CD
OTHER TIERS: 3.70% → $500 - $50k
3.80%$100$2k12 Month Youth CD
3.75%*$50k*-6 Month CD
OTHER TIERS: 3.65% → $500 - $50k
3.75%*$50k*-Business 6 Month CD
OTHER TIERS: 3.65% → $500 - $50k
3.70%*$50k*-36 Month CD
OTHER TIERS: 3.60% → $500 - $50k
3.70%*$50k*-Business 36 Month CD
OTHER TIERS: 3.60% → $500 - $50k
3.60%*$50k*-18 Month CD
OTHER TIERS: 3.50% → $500 - $50k
3.60%*$50k*-48 Month CD
OTHER TIERS: 3.50% → $500 - $50k
3.60%*$50k*-Business 18 Month CD
OTHER TIERS: 3.50% → $500 - $50k
3.60%*$50k*-Business 48 Month CD
OTHER TIERS: 3.50% → $500 - $50k
3.50%*$50k*-60 Month CD
OTHER TIERS: 3.40% → $500 - $50k
3.50%*$50k*-Business 60 Month CD
OTHER TIERS: 3.40% → $500 - $50k
3.00%*$50k*-3 Month CD
OTHER TIERS: 2.90% → $500 - $50k
3.00%*$50k*-Business 3 Month CD
OTHER TIERS: 2.90% → $500 - $50k

VyStar Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.85%*$50k*-9 Month IRA
OTHER TIERS: 4.75% → $500 - $50k
4.75%*$50k*-24 Month IRA
OTHER TIERS: 4.65% → $500 - $50k
4.00%*$50k*-30 Month IRA
OTHER TIERS: 3.90% → $500 - $50k
3.80%*$50k*-12 Month IRA
OTHER TIERS: 3.70% → $500 - $50k
3.75%*$50k*-6 Month IRA
OTHER TIERS: 3.65% → $500 - $50k
3.70%*$50k*-36 Month IRA
OTHER TIERS: 3.60% → $500 - $50k
3.60%*$50k*-18 Month IRA
OTHER TIERS: 3.50% → $500 - $50k
3.60%*$50k*-48 Month IRA
OTHER TIERS: 3.50% → $500 - $50k
3.50%*$50k*-60 Month IRA
OTHER TIERS: 3.40% → $500 - $50k
3.00%*$50k*-3 Month IRA
OTHER TIERS: 2.90% → $500 - $50k
Locations

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