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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 2016, it had grown to 1,216 employees and 515,999 members at 51 locations. Vystar Credit Union has an A health rating.

Field of Membership Restrictions

Vystar Credit Union of Florida is open to the residents, businesses, churches, organizations, associations, and the people that maintain employment within these qualified counties: 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

Posted by: oldcdog | Mar 2, 2016

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.

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Health
A

Health Grade Components

Overall
NCUA #68490
Year Chartered1952
Employees1216
Primary Regulator
Profit Margin
Return on Assets - YTD0.91%
Return on Equity - YTD9.72%
Annual Interest Income$43.7MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$6.11B$5.54B
LoansQ1 2016vs Q1 2015$4.03B$3.71B
DepositsQ1 2016vs Q1 2015$4.84B$4.36B
Equity CapitalQ1 2016vs Q1 2015$551.7MM$515.8MM
Loan Loss AllowanceQ1 2016vs Q1 2015$32.8MM$40.2MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$13.7MM$12.9MM
Real Estate OwnedQ1 2016vs Q1 2015$844.00K$2.4MM
Rates
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* 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%--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
0.46%*$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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW 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
Locations

Vystar Credit Union has 51 locations. Click to view all Vystar Credit Union locations.