Overview / Commentary
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 June of 2018, it had grown to 1,378 employees and 616,454 members at 63 locations. Vystar Credit Union's money market rates are 3X 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.
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Vystar Credit Union is the only bank/credit I have ever used. To get a savings account, you must keep $5 in the account at all times, which does not show in your account. The savings account also gains a decent amount of interest, a few cents depending on your total saved. The checking accounts are free and generally have overdraft protection linked to savings account. As far as customer service, they are always extremely courteous and knowledgeable. Calling Customer Service, it is always easy to do what you need. Same things goes for in store. Also, you don't have to wait for a new card in the mail of you lose yours - they can print them in branch! My wife went to Vystar to get a loan, and instead of giving her a loan they gave her a new line of credit, which really helped us out. I would definitely rate them 5/5.

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.

Vystar Is An Excellent Local Credit Union

Vystar offers no fee checking accounts and savings accounts with the added benefit of interest earned on both accounts. I have been pleased with the service they provide both in person and on line. For convenience they offer mobile deposit which worked well for me since my employer did not offer direct deposit. Their hours and days open are also designed with the consumer in mind.
Vystar offers personal, auto and mortgage loans with reasonable interest rates. For those trying to reestablish credit, they have a secured credit card. Bill Pay services are available as well as emailed statements for a more green way of doing things.
Many financial tools are available on their website to male it easy to st up a budget and assist yourself with a financial make over.

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.



Health Grade Components

NCUA #68490
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD1.07%
Return on Equity - YTD12.29%
Annual Interest Income$125.4MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$7.70B$6.88B
LoansQ2 2018vs Q2 2017$5.40B$4.81B
DepositsQ2 2018vs Q2 2017$5.77B$5.35B
Equity CapitalQ2 2018vs Q2 2017$667.3MM$605.1MM
Loan Loss AllowanceQ2 2018vs Q2 2017$33.5MM$32.3MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$15.3MM$13.9MM
Real Estate OwnedQ2 2018vs Q2 2017$179.00K$1.2MM
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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

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%$2.5k-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

1.35%*$250k*-Business Money Market
OTHER TIERS: 0.50% Up to $10k | 0.55% $10k - $25k | 0.60% $25k - $50k | 0.85% $50k - $100k | 1.00% $100k - $250k
1.35%*$250k*-Money Market Account
OTHER TIERS: 0.50% Up to $10k | 0.55% $10k - $25k | 0.60% $25k - $50k | 0.85% $50k - $100k | 1.00% $100k - $250k

Vystar Credit Union Checking Account Rates

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

3.00%*$50k*-60 Month CD
OTHER TIERS: 2.90% $500 - $50k
2.75%*$50k*-48 Month CD
OTHER TIERS: 2.65% $500 - $50k
2.50%*$50k*-36 Month CD
OTHER TIERS: 2.40% $500 - $50k
2.30%*$50k*-30 Month CD
OTHER TIERS: 2.20% $500 - $50k
2.25%*$50k*-24 Month CD
OTHER TIERS: 2.15% $500 - $50k
2.15%*$50k*-18 Month CD
OTHER TIERS: 2.10% $500 - $50k
2.10%$100$2k12 Month Kid's CD
2.10%$100$2k12 Month VyTeen Member CD
2.10%$100-12 Month Bravo Member CD
2.10%$100-12 Month Achieve Member CD
2.05%*$50k*-12 Month CD
OTHER TIERS: 2.00% $500 - $50k
1.65%*$50k*-9 Month CD
OTHER TIERS: 1.60% $500 - $50k
1.30%*$50k*-6 Month CD
OTHER TIERS: 1.25% $500 - $50k
1.05%*$50k*-3 Month CD
OTHER TIERS: 1.00% $500 - $50k

Vystar Credit Union IRA Rates

3.00%*$50k*-60 Month IRA
OTHER TIERS: 2.90% $500 - $50k
2.75%*$50k*-48 Month IRA
OTHER TIERS: 2.65% $500 - $50k
2.50%*$50k*-36 Month IRA
OTHER TIERS: 2.40% $500 - $50k
2.30%*$50k*-30 Month IRA
OTHER TIERS: 2.20% $500 - $50k
2.25%*$50k*-24 Month IRA
OTHER TIERS: 2.15% $500 - $50k
2.15%*$50k*-18 Month IRA
OTHER TIERS: 2.10% $500 - $50k
2.05%*$50k*-12 Month IRA
OTHER TIERS: 2.00% $500 - $50k
1.65%*$50k*-9 Month IRA
OTHER TIERS: 1.60% $500 - $50k
1.30%*$50k*-6 Month IRA
OTHER TIERS: 1.25% $500 - $50k
1.05%*$50k*-3 Month IRA
OTHER TIERS: 1.00% $500 - $50k


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