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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 16th largest credit union in the nation. It was established in 1952 and as of December of 2019, it had grown to 1,721 employees and 696,759 members at 76 locations. VyStar Credit Union's money market rates are 36% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in VyStar Credit Union is open businesses, individuals, organizations or churches who are living, working or operating in the following counties: Marion, Nassau, Baker, Brevard, Alachua, Duval, Bradford, Clay, Putnam, Lake, Levy, Seminole, St. Johns, Orange, Suwannee, Sumter, Volusia, Union, Flagler, Hamilton, Columbia, and Gilchrist. Family of current or eligible members may also join.
See current membership details

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Reviews (26)

Banking at Vystar Credit Union

Posted by: |

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.

4

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.

8

What Has Happened To Vystar??

Posted by: |

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!!!

10

Deposit Available In 11Days?

Posted by: |

I made a deposit on May 7, and after speaking with the Vystar representative today, she told me that this deposit will be available on May 18. Eleven days to make it available?
Can you believe this? It is completely out of sense.
The day after I deposited the check, it was cashed from the account of the person who did not issue the check.
We are very unhappy with this bank, "WE DO NOT RECOMMEND THIS BANK, LOOK FOR ANOTHER OPTION"

2
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Health
A

Data as of Q4 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #68490
Year Chartered1952
Employees1721
Primary Regulator
Profit Margin
Return on Assets - YTD0.65%
Return on Equity - YTD7.45%
Annual Interest Income$334.0MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$9.12B$8.28B
LoansQ4 2019vs Q4 2018$6.61B$5.68B
DepositsQ4 2019vs Q4 2018$6.96B$6.02B
Equity CapitalQ4 2019vs Q4 2018$792.0MM$710.3MM
Loan Loss AllowanceQ4 2019vs Q4 2018$38.1MM$33.7MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$25.1MM$23.0MM
Real Estate OwnedQ4 2019vs Q4 2018$1.1MM$675.00K
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
0.10%$2.5k-Business Savings
0.10%$50-Primary Savings
0.10%--Kids Club Savings
0.10%$50-VyTeen Savings
0.10%$50-Bravo Savings
0.10%$50-Achieve Savings
0.10%$50-Regular Savings
0.10%$50-Holiday Savings

VyStar Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$100k*-Business Money Market
OTHER TIERS: 0.30% → Up to $100k
0.60%*$100k*-Money Market Account
OTHER TIERS: 0.30% → Up to $100k

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%--VyTeen Checking
0.10%--Bravo Checking
0.10%--Achieve Checking
0.10%$2.5k-Non Profit Association Checking

VyStar Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*$50k*-60 Month CD
OTHER TIERS: 1.40% → $500 - $50k
1.50%*$50k*-Business 60 Month CD
OTHER TIERS: 1.40% → $500 - $50k
1.40%*$50k*-48 Month CD
OTHER TIERS: 1.30% → $500 - $50k
1.40%*$50k*-Business 48 Month CD
OTHER TIERS: 1.30% → $500 - $50k
1.25%*$50k*-36 Month CD
OTHER TIERS: 1.15% → $500 - $50k
1.25%*$50k*-Business 36 Month CD
OTHER TIERS: 1.15% → $500 - $50k
1.20%*$50k*-24 Month CD
OTHER TIERS: 1.10% → $500 - $50k
1.20%*$50k*-30 Month CD
OTHER TIERS: 1.10% → $500 - $50k
1.20%*$50k*-Business 24 Month CD
OTHER TIERS: 1.10% → $500 - $50k
1.20%*$50k*-Business 30 Month CD
OTHER TIERS: 1.10% → $500 - $50k
1.05%*$50k*-18 Month CD
OTHER TIERS: 0.95% → $500 - $50k
1.05%*$50k*-Business 18 Month CD
OTHER TIERS: 0.95% → $500 - $50k
1.00%*$50k*-12 Month CD
OTHER TIERS: 0.90% → $500 - $50k
1.00%$100$2k12 Month Kid's CD
1.00%$100$2k12 Month VyTeen Member CD
1.00%$100$2k12 Month Bravo Member CD
1.00%$100$2k12 Month Achieve Member CD
1.00%*$50k*-Business 12 Month CD
OTHER TIERS: 0.90% → $500 - $50k
0.90%*$50k*-9 Month CD
OTHER TIERS: 0.80% → $500 - $50k
0.90%*$50k*-Business 9 Month CD
OTHER TIERS: 0.80% → $500 - $50k
0.80%*$50k*-6 Month CD
OTHER TIERS: 0.70% → $500 - $50k
0.80%*$50k*-Business 6 Month CD
OTHER TIERS: 0.70% → $500 - $50k
0.50%*$50k*-3 Month CD
OTHER TIERS: 0.40% → $500 - $50k
0.50%*$50k*-Business 3 Month CD
OTHER TIERS: 0.40% → $500 - $50k

VyStar Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*$50k*-60 Month IRA
OTHER TIERS: 1.40% → $500 - $50k
1.40%*$50k*-48 Month IRA
OTHER TIERS: 1.30% → $500 - $50k
1.25%*$50k*-36 Month IRA
OTHER TIERS: 1.15% → $500 - $50k
1.20%*$50k*-24 Month IRA
OTHER TIERS: 1.10% → $500 - $50k
1.20%*$50k*-30 Month IRA
OTHER TIERS: 1.10% → $500 - $50k
1.05%*$50k*-18 Month IRA
OTHER TIERS: 0.95% → $500 - $50k
1.00%*$50k*-12 Month IRA
OTHER TIERS: 0.90% → $500 - $50k
0.90%*$50k*-9 Month IRA
OTHER TIERS: 0.80% → $500 - $50k
0.80%*$50k*-6 Month IRA
OTHER TIERS: 0.70% → $500 - $50k
0.50%*$50k*-3 Month IRA
OTHER TIERS: 0.40% → $500 - $50k
Locations

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