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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.

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!!!

Vystar Is Not Good Anymore

Everything was good for many years.... My guess is they appointed a new Genius to run the Credit union..... Bad move.... I went into a branch the other day to deposit my business checks from the day.... 3:30 pm.. busy part of the day. Only three tellers available.

Then ...... here's the big one. They had a new provider come in for mobile banking.. Very very very bad move. I asked them why. The answer is that it would be better and more secure..... Secure is right. I cannot even get in to my account most of the time. I joined Vystar because I was tired of banks...... Well looks like that won't be the way I'm going any more.....

Going into the branch tomorrow (if they are operating) and closing my business and personal accounts.

VIEW MORE REVIEWS

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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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%$2,500-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-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%$2,500-Non Profit Association 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$2k12 Month Kid's CD
0.96%$100$2k12 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
0.66%*$50k*-6 Month CD
OTHER TIERS: 0.61% $500 - $50k
0.66%*$50k*-Business 6 Month CD
OTHER TIERS: 0.61% $500 - $50k
0.66%*$50k*-Business 9 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.