VyStar Credit Union is headquartered in Jacksonville and is the 2nd largest credit union in the state of Florida. It is also the 14th largest credit union in the nation. It was established in 1952 and as of December of 2021, it had grown to 1,954 employees and 806,534 members at 83 locations. VyStar Credit Union has an A 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 am disappointed. I have used VYSTAR for all of my banking needs for years. There APP is awful and I thought I made a CC payment twice through the stupid app. It looked like it through on my end twice...... but NOOOOOOO I get my credit score bumped down 17 points because of a one late payment even though I thought I paid it twice via that stupid app. I then call VYSTAR and wait on hold for 30 minutes to see if they can help me. They were unwilling to help because they claim the information is correct. THANKS A LOT Vystar. Has anyone else experienced this same thing?? I worked my butt off to get a decent score and now its ruined. I really cannot believe that no one was willing to help me. I was just placed on hold forever and then the phone system reset on me. Then I had to explain my dilemma again to another seemingly less caring person. I was told " "I can tell you that they won't change it from experience". I never even got to speak with anyone and explain that I thought I paid it twice through the APP. Come on Vystar just look at my payment history with my car and CC both ALWAYS ON TIME.
Locked online banking every time I tried to use the account and system always down. 54 minutes to get thru in customer service. Stood in line 45 minutes in St Augustine branch with only 4 people in line, twice. Refused to unlock account and wanted Notarized Affadavit of Indemnity to close Credit card after paying it off. Totally worst credit union and zero care for members. They SUCK! DO NOT DO BUSINESS WITH THESE IDIOTS.
Overall | |
---|---|
NCUA # | 68490 |
Year Chartered | 1952 |
Employees | 1954 |
Primary Regulator |
Profit Margin | |
---|---|
Return on Assets - YTD | 0.93% |
Return on Equity - YTD | 11.43% |
Annual Interest Income | $351.0MM |
Assets and Liabilities | ||
---|---|---|
Assets | Q4 2021vs Q4 2020 | $11.65B$10.01B |
Loans | Q4 2021vs Q4 2020 | $7.98B$7.37B |
Deposits | Q4 2021vs Q4 2020 | $10.54B$8.94B |
Equity Capital | Q4 2021vs Q4 2020 | $936.2MM$879.8MM |
Loan Loss Allowance | Q4 2021vs Q4 2020 | $54.1MM$56.1MM |
Unbacked Noncurrent Loans | Q4 2021vs Q4 2020 | $29.9MM$32.2MM |
Real Estate Owned | Q4 2021vs Q4 2020 | $179.00K$156.00K |
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.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
0.40%* | $100k* | - | Business Money Market | ||
OTHER TIERS: 0.25% → Up to $100k | |||||
0.40%* | $100k* | - | Money Market Account | ||
OTHER TIERS: 0.25% → Up to $100k |