Featured Savings Rates
Featured Accounts

Vystar Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.95%5-year CD60 Month CD
0.91%1-year CD12 Month CD
0.25%SavingsRegular Savings

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 18th largest credit union in the nation. It was established in 1952 and as of March of 2017, it had grown to 1,252 employees and 553,884 members at 56 locations. Vystar Credit Union's money market rates are 16% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Vystar Credit Union is open to the residents, businesses, churches, organizations, associations, and the people that maintain employment within these qualified counties in Florida: Alachua, Baker, Bradford,Clay, Columbia, Duval,Flagler, Gilchrist, Hamilton, Lake, Levy, Marion, Nassau, Putnam, St.John's, Seminole, Suwannee, Union, and Volusia as well as the family members of the current credit union members.
See current membership details

Related Posts

15-Month CD Special (Up To 1.30% APY) In North & Central Florida - 3/20/2017

Vystar Credit Union promotional CD 15 month term $500 minimum 1.25% APY for CD’s $500 to $49,999.99 1.30% APY for CD’s $50,000 and up Available as a REGULAR or IRA CD At maturity, funds will roll into a 12 month CD at the current posted rate This offer is only available for a limited time https://www.vystarcu.org/About-Us/Newsroom/Current-Promotions/CD-Promotion-32017

Banking at Vystar Credit Union

Posted by: shawnday2 | May 4, 2017

I have been banking with Vystar Credit Union for over 10 years. I am always very pleased with their customer service and they are always able to answer all of my questions. I have a checking and savings account through them as well as a savings account for my son. My rate is excellent! There is a mobile app so I constantly have access to know my money. Some banks charge a fee to have an active account and Vystar has never charged me any fees. I prefer to bank with a credit union over a larger institution.

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!!!

Poor Choice For Large Accounts

I'm accumulating funds toward buying a property, and live well outside town. I've ended out with $10k+ in my Vystar account and need to transfer it to an escrow account. The only way I can do this online is to do bank transfers in $2000 increments, no more than one a day, and the most I can transfer in 30 days is $5k. If I want a wire transfer (at $35) I have to come in an fill out a bunch of forms. I also find Vystar's system for e-depositing checks to be clumsy. I prefer to do e-deposits with a scanner and desktop. That isn't supported. The cell phone method, which is supported, generally fails a few times before it lets a deposit go through.

Great Bank

Posted by: Tace | Sep 26, 2015

I've been with this Credit Union for going on 8 years and I have never had a problem. When I have to go to the physical building(s), they always welcome me as I walk into the door and the tellers are very knowledgeable and courteous. Their ATMs are everywhere I travel, so I never have to worry about paying another bank's ATM fee, and they take check/cash deposits which is very convenient for me. The online banking (and app for phones) is clear and easy to navigate. If I were to have one complaint though, it's the "Photo Deposit" of checks. It took me several angles and photos before it was finally accepted but it did deposit immediately.

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Health

Health Grade Components

Overall
NCUA #68490
Year Chartered1952
Employees1252
Primary Regulator
Profit Margin
Return on Assets - YTD0.84%
Return on Equity - YTD9.49%
Annual Interest Income$51.0MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$6.80B$6.11B
LoansQ1 2017vs Q1 2016$4.62B$4.03B
DepositsQ1 2017vs Q1 2016$5.28B$4.84B
Equity CapitalQ1 2017vs Q1 2016$590.8MM$551.7MM
Loan Loss AllowanceQ1 2017vs Q1 2016$31.2MM$32.8MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$13.2MM$13.7MM
Real Estate OwnedQ1 2017vs Q1 2016$1.6MM$844.00K
Rates
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* 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%$2,500-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
0.51%*$100k*-Business Money Market
OTHER TIERS: 0.31% Up to $10k | 0.36% $10k - $25k | 0.41% $25k - $50k | 0.46% $50k - $100k
0.51%*$100k*-Money Market Account
OTHER TIERS: 0.31% Up to $10k | 0.36% $10k - $25k | 0.41% $25k - $50k | 0.46% $50k - $100k

Vystar Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$2,500-Business Club Checking
0.10%$2,500-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

Vystar Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.95%*$50k*-60 Month CD
OTHER TIERS: 1.90% $500 - $50k
1.95%*$50k*-Business 60 Month CD
OTHER TIERS: 1.90% $500 - $50k
1.50%*$50k*-48 Month CD
OTHER TIERS: 1.45% $500 - $50k
1.50%*$50k*-Business 48 Month CD
OTHER TIERS: 1.45% $500 - $50k
1.30%*$50k*-36 Month CD
OTHER TIERS: 1.25% $500 - $50k
1.30%*$50k*-Business 36 Month CD
OTHER TIERS: 1.25% $500 - $50k
1.21%*$50k*-30 Month CD
OTHER TIERS: 1.16% $500 - $50k
1.21%*$50k*-Business 30 Month CD
OTHER TIERS: 1.16% $500 - $50k
1.16%*$50k*-24 Month CD
OTHER TIERS: 1.11% $500 - $50k
1.16%*$50k*-Business 24 Month CD
OTHER TIERS: 1.11% $500 - $50k
0.96%*$50k*-18 Month CD
OTHER TIERS: 0.91% $500 - $50k
0.96%$100-12 Month Kid's CD
0.96%$100-12 Month VyTeen Member CD
0.96%$100-12 Month Bravo Member CD
0.96%$100-12 Month Achieve Member CD
0.96%*$50k*-Business 18 Month CD
OTHER TIERS: 0.91% $500 - $50k
0.91%*$50k*-12 Month CD
OTHER TIERS: 0.86% $500 - $50k
0.91%*$50k*-Business 12 Month CD
OTHER TIERS: 0.86% $500 - $50k
0.71%*$50k*-9 Month CD
OTHER TIERS: 0.66% $500 - $50k
0.71%*$50k*-Business 9 Month CD
OTHER TIERS: 0.66% $500 - $50k
0.66%*$50k*-6 Month CD
OTHER TIERS: 0.61% $500 - $50k
0.66%*$50k*-Business 6 Month CD
OTHER TIERS: 0.61% $500 - $50k
0.56%*$50k*-3 Month CD
OTHER TIERS: 0.51% $500 - $50k
0.56%*$50k*-Business 3 Month CD
OTHER TIERS: 0.51% $500 - $50k

Vystar Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.95%*$50k*-60 Month IRA
OTHER TIERS: 1.90% $500 - $50k
1.50%*$50k*-48 Month IRA
OTHER TIERS: 1.45% $500 - $50k
1.30%*$50k*-36 Month IRA
OTHER TIERS: 1.25% $500 - $50k
1.21%*$50k*-30 Month IRA
OTHER TIERS: 1.16% $500 - $50k
1.16%*$50k*-24 Month IRA
OTHER TIERS: 1.11% $500 - $50k
0.96%*$50k*-18 Month IRA
OTHER TIERS: 0.91% $500 - $50k
0.91%*$50k*-12 Month IRA
OTHER TIERS: 0.86% $500 - $50k
0.71%*$50k*-9 Month IRA
OTHER TIERS: 0.66% $500 - $50k
0.66%*$50k*-6 Month IRA
OTHER TIERS: 0.61% $500 - $50k
0.56%*$50k*-3 Month IRA
OTHER TIERS: 0.51% $500 - $50k
Locations

Vystar Credit Union has 56 locations. Click to view all Vystar Credit Union locations.