Vystar Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 1.85% | 5-year CD | 60 Month CD 1.85% - Synchrony Bank 60 Month CD |
| 0.76% | 1-year CD | 12 Month CD 1.05% - Ally Bank High Yield 12-Month CD |
| 0.25% | Savings | Regular Savings 1.00% - Ally Bank Online Savings Account |
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 June of 2016, it had grown to 1,227 employees and 526,012 members at 51 locations. Vystar Credit Union 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
Vystar Mobile App
Great bank, you have to do an app for window phones.
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!!!
The NEW Online Experience
VyStar recently converted to a "new and improved" site that required members to sit back and wait for the change and then could re-register on a certain date.
The fiasco that ensued should have been envisioned, but was not. The website was simply overwhelmed as so many members were frustrated when the site was flooded with many members trying to get back to online banking.
This new online site NOW holds all transactions for two days (shows up as an italicized entry on ones account) before the latest transactions can be downloaded by export to a personal computer, whereas the older dumped program showed all completed entries and was up to date.
(When I insisted on asking the question "WHY",
I was informed "unfortunately that is just the normal processing time for this new system. We cannot rush or alter this processing time frame."
I continue to ask "but WHY" and am ignored. In my opinion upper management has completely lost control to their IT team here, and would hope the Board of Directors would step in and start asking "WHY" questions to such managers!
P.S. The individual branch personnel that I have met over the years as being a member, are all outstanding and are FIVE STAR loyal employees---Many of these also do not understand why Headquarters is changing a proven record of doing business to this new dictated edict of change that was deemed so necessary and good by the CEO!
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.
Data as of Q2 2016
Learn more about bank healthHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 68490 |
| Year Chartered | 1952 |
| Employees | 1227 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.76% |
| Return on Equity - YTD | 8.29% |
| Annual Interest Income | $88.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2016vs Q2 2015 | $6.19B$5.52B |
| Loans | Q2 2016vs Q2 2015 | $4.17B$3.81B |
| Deposits | Q2 2016vs Q2 2015 | $4.91B$4.40B |
| Equity Capital | Q2 2016vs Q2 2015 | $563.8MM$521.9MM |
| Loan Loss Allowance | Q2 2016vs Q2 2015 | $32.0MM$38.1MM |
| Unbacked Noncurrent Loans | Q2 2016vs Q2 2015 | $16.9MM$12.4MM |
| Real Estate Owned | Q2 2016vs Q2 2015 | $482.00K$2.5MM |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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% | - | - | 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.46%* | $100k* | - | Business Money Market | ||
| OTHER TIERS: 0.26% → Up to $10k | 0.31% → $10k - $25k | 0.36% → $25k - $50k | 0.41% → $50k - $100k | |||||
| 0.46%* | $100k* | - | Money Market Account | ||
| OTHER TIERS: 0.26% → Up to $10k | 0.31% → $10k - $25k | 0.36% → $25k - $50k | 0.41% → $50k - $100k | |||||
Vystar Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.10% | - | - | Business Club Checking | |
| 0.10% | - | - | Small Business Checking | |
| 0.10% | - | - | Regular Business Checking | |
| 0.10% | - | - | Regular Checking | |
| 0.10% | - | - | VyTeen Checking | |
| 0.10% | - | - | Bravo Checking | |
| 0.10% | - | - | Achieve Checking |
Vystar Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.85%* | $50k* | - | 60 Month CD | ||
| OTHER TIERS: 1.80% → $500 - $50k | |||||
| 1.85%* | $50k* | - | Business 60 Month CD | ||
| OTHER TIERS: 1.80% → $500 - $50k | |||||
| 1.40%* | $50k* | - | 48 Month CD | ||
| OTHER TIERS: 1.35% → $500 - $50k | |||||
| 1.40%* | $50k* | - | Business 48 Month CD | ||
| OTHER TIERS: 1.35% → $500 - $50k | |||||
| 1.20%* | $50k* | - | 36 Month CD | ||
| OTHER TIERS: 1.15% → $500 - $50k | |||||
| 1.20%* | $50k* | - | Business 36 Month CD | ||
| OTHER TIERS: 1.15% → $500 - $50k | |||||
| 1.11%* | $50k* | - | 30 Month CD | ||
| OTHER TIERS: 1.06% → $500 - $50k | |||||
| 1.11%* | $50k* | - | Business 30 Month CD | ||
| OTHER TIERS: 1.06% → $500 - $50k | |||||
| 1.06%* | $50k* | - | 24 Month CD | ||
| OTHER TIERS: 1.01% → $500 - $50k | |||||
| 1.06%* | $50k* | - | Business 24 Month CD | ||
| OTHER TIERS: 1.01% → $500 - $50k | |||||
| 0.81%* | $50k* | - | 18 Month CD | ||
| OTHER TIERS: 0.76% → $500 - $50k | |||||
| 0.81% | $100 | - | 12 Month Kid's CD | ||
| 0.81% | $100 | - | 12 Month VyTeen Member CD | ||
| 0.81% | $100 | - | 12 Month Bravo Member CD | ||
| 0.81% | $100 | - | 12 Month Achieve Member CD | ||
| 0.81%* | $50k* | - | Business 18 Month CD | ||
| OTHER TIERS: 0.76% → $500 - $50k | |||||
| 0.76%* | $50k* | - | 12 Month CD | ||
| OTHER TIERS: 0.71% → $500 - $50k | |||||
| 0.76%* | $50k* | - | Business 12 Month CD | ||
| OTHER TIERS: 0.71% → $500 - $50k | |||||
| 0.46%* | $50k* | - | 9 Month CD | ||
| OTHER TIERS: 0.41% → $500 - $50k | |||||
| 0.46%* | $50k* | - | Business 9 Month CD | ||
| OTHER TIERS: 0.41% → $500 - $50k | |||||
| 0.41%* | $50k* | - | 6 Month CD | ||
| OTHER TIERS: 0.36% → $500 - $50k | |||||
| 0.41%* | $50k* | - | Business 6 Month CD | ||
| OTHER TIERS: 0.36% → $500 - $50k | |||||
| 0.31%* | $50k* | - | 3 Month CD | ||
| OTHER TIERS: 0.26% → $500 - $50k | |||||
| 0.31%* | $50k* | - | Business 3 Month CD | ||
| OTHER TIERS: 0.26% → $500 - $50k | |||||
Vystar Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.85%* | $50k* | - | 60 Month IRA | ||
| OTHER TIERS: 1.80% → $500 - $50k | |||||
| 1.40%* | $50k* | - | 48 Month IRA | ||
| OTHER TIERS: 1.35% → $500 - $50k | |||||
| 1.20%* | $50k* | - | 36 Month IRA | ||
| OTHER TIERS: 1.15% → $500 - $50k | |||||
| 1.11%* | $50k* | - | 30 Month IRA | ||
| OTHER TIERS: 1.06% → $500 - $50k | |||||
| 1.06%* | $50k* | - | 24 Month IRA | ||
| OTHER TIERS: 1.01% → $500 - $50k | |||||
| 0.81%* | $50k* | - | 18 Month IRA | ||
| OTHER TIERS: 0.76% → $500 - $50k | |||||
| 0.76%* | $50k* | - | 12 Month IRA | ||
| OTHER TIERS: 0.71% → $500 - $50k | |||||
| 0.46%* | $50k* | - | 9 Month IRA | ||
| OTHER TIERS: 0.41% → $500 - $50k | |||||
| 0.41%* | $50k* | - | 6 Month IRA | ||
| OTHER TIERS: 0.36% → $500 - $50k | |||||
| 0.31%* | $50k* | - | 3 Month IRA | ||
| OTHER TIERS: 0.26% → $500 - $50k | |||||
Vystar Credit Union has 51 locations. Click to view all Vystar Credit Union locations.