Featured Savings Rates
Featured Accounts
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 19th largest credit union in the nation. It was established in 1952 and as of September of 2017, it had grown to 1,278 employees and 581,177 members at 57 locations. Vystar Credit Union's CD rates are 18% higher than the national average, and it 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

Related Posts

15-Month CD Special (Up To 1.30% APY) In North & Central Florida - 3/20/2017

Vystar Credit Union promotional CD 15 month term $500 minimum 1.25% APY for CD’s $500 to $49,999.99 1.30% APY for CD’s $50,000 and up Available as a REGULAR or IRA CD At maturity, funds will roll into a 12 month CD at the current posted rate This offer is only available for a limited time https://www.vystarcu.org/About-Us/Newsroom/Current-Promotions/CD-Promotion-32017

As GOOD As It Gets! (Almost.........)

Posted by: OlGene | Dec 18, 2017

Been with these guys since 1976. Never a problem. they have been shoulder to shoulder with me, financially, through good times and bad.
Their CD rates are poor, and I guess that is because they build SO many new branches and need the money, but Navy Federal beats their (and ALL other) Badly.

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 review

Vystar is a very reliable credit union. I have been with them for a few years now and I have never had any big problems with them. The customer service is great and I always feel safe and secure when I am there. I have used them for a checking account and savings account. I had a CD with them but I found that online banks have better rates. But, for a local credit union, I wouldn't choose any other one. I like having the access to them within a few minutes drive.

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.

VIEW MORE REVIEWS

Health

Health Grade Components

Overall
NCUA #68490
Year Chartered1952
Employees1278
Primary Regulator
Profit Margin
Return on Assets - YTD0.82%
Return on Equity - YTD9.16%
Annual Interest Income$160.5MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$6.93B$6.50B
LoansQ3 2017vs Q3 2016$4.92B$4.29B
DepositsQ3 2017vs Q3 2016$5.37B$4.97B
Equity CapitalQ3 2017vs Q3 2016$620.9MM$572.2MM
Loan Loss AllowanceQ3 2017vs Q3 2016$32.6MM$31.1MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$22.6MM$18.6MM
Real Estate OwnedQ3 2017vs Q3 2016$1.4MM$2.6MM
Rates
Report an Issue

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
0.25%$2,500-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
0.51%*$100k*-Business Money Market
OTHER TIERS: 0.31% Up to $10k | 0.36% $10k - $25k | 0.41% $25k - $50k | 0.46% $50k - $100k
0.51%*$100k*-Money Market Account
OTHER TIERS: 0.31% Up to $10k | 0.36% $10k - $25k | 0.41% $25k - $50k | 0.46% $50k - $100k

Vystar Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$2,500-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%$2,500-Non Profit Association Checking

Vystar Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.10%*$50k*-60 Month CD
OTHER TIERS: 2.05% $500 - $50k
2.10%*$50k*-Business 60 Month CD
OTHER TIERS: 2.05% $500 - $50k
1.95%*$50k*-48 Month CD
OTHER TIERS: 1.90% $500 - $50k
1.95%*$50k*-Business 48 Month CD
OTHER TIERS: 1.90% $500 - $50k
1.60%*$50k*-36 Month CD
OTHER TIERS: 1.55% $500 - $50k
1.60%*$50k*-Business 36 Month CD
OTHER TIERS: 1.55% $500 - $50k
1.50%*$50k*-30 Month CD
OTHER TIERS: 1.45% $500 - $50k
1.50%*$50k*-Business 30 Month CD
OTHER TIERS: 1.45% $500 - $50k
1.46%*$50k*-24 Month CD
OTHER TIERS: 1.41% $500 - $50k
1.46%*$50k*-Business 24 Month CD
OTHER TIERS: 1.41% $500 - $50k
1.16%*$50k*-18 Month CD
OTHER TIERS: 1.11% $500 - $50k
1.16%*$50k*-Business 18 Month CD
OTHER TIERS: 1.11% $500 - $50k
1.11%$100$2k12 Month Kid's CD
1.11%$100$2k12 Month VyTeen Member CD
1.11%$100-12 Month Bravo Member CD
1.11%$100-12 Month Achieve Member CD
1.06%*$50k*-12 Month CD
OTHER TIERS: 1.01% $500 - $50k
1.06%*$50k*-Business 12 Month CD
OTHER TIERS: 1.01% $500 - $50k
0.81%$500-9 Month CD
0.81%$500-Business 9 Month CD
0.76%$500-6 Month CD
0.76%$500-Business 6 Month CD
0.56%*$50k*-3 Month CD
OTHER TIERS: 0.51% $500 - $50k
0.56%*$50k*-Business 3 Month CD
OTHER TIERS: 0.51% $500 - $50k

Vystar Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.10%*$50k*-60 Month IRA
OTHER TIERS: 2.05% $500 - $50k
1.95%*$50k*-48 Month IRA
OTHER TIERS: 1.90% $500 - $50k
1.60%*$50k*-36 Month IRA
OTHER TIERS: 1.55% $500 - $50k
1.50%*$50k*-30 Month IRA
OTHER TIERS: 1.45% $500 - $50k
1.46%*$50k*-24 Month IRA
OTHER TIERS: 1.41% $500 - $50k
1.16%*$50k*-18 Month IRA
OTHER TIERS: 1.11% $500 - $50k
1.06%*$50k*-12 Month IRA
OTHER TIERS: 1.01% $500 - $50k
0.81%$500-9 Month IRA
0.76%$500-6 Month IRA
0.56%*$50k*-3 Month IRA
OTHER TIERS: 0.51% $500 - $50k
Locations

Availability