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 September of 2022, it had grown to 2,075 employees and 847,497 members at 84 locations. VyStar Credit Union's CD rates are 3X the national average, and it has a B+ health rating.
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
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.
***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.
I have been a member of VyStar Credit Union since when it was Navy Federal Credit Union in the late 80s. They have always had excellent customer service, and their mobile and online banking has been top-notch. Recently, someone got the idea of upgrading the online banking system. Not a bad idea, per se, but this latest event illustrates the old adage, "if it ain't broke, don't fix it." Their online system has been offline due to difficulties in getting it established for almost a week now I believe. Seriously, it's time to get your act together. You have had long enough to get the online system in place. Dealing with your system right now is extremely inconvenient. I may consider putting my account elsewhere. My advice to you regarding the online system is simply, get it done.
VyStar is not letting me withdraw money and transfer to another credit union. They keep making excuses
Overall | |
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NCUA # | 68490 |
Year Chartered | 1952 |
Employees | 2075 |
Primary Regulator |
Profit Margin | |
---|---|
Return on Assets - YTD | 0.59% |
Return on Equity - YTD | 10.84% |
Annual Interest Income | $324.7MM |
Assets and Liabilities | ||
---|---|---|
Assets | Q3 2022vs Q3 2021 | $13.23B$11.41B |
Loans | Q3 2022vs Q3 2021 | $9.03B$7.65B |
Deposits | Q3 2022vs Q3 2021 | $10.75B$10.32B |
Equity Capital | Q3 2022vs Q3 2021 | $715.0MM$927.4MM |
Loan Loss Allowance | Q3 2022vs Q3 2021 | $47.3MM$55.4MM |
Unbacked Noncurrent Loans | Q3 2022vs Q3 2021 | $46.7MM$23.2MM |
Real Estate Owned | Q3 2022vs Q3 2021 | $0$179.00K |
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.