VyStar Credit Union


Overview / Commentary
904-908-2495
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 14th largest credit union in the nation. It was established in 1952 and as of June of 2021, it had grown to 1,873 employees and 778,348 members at 80 locations. VyStar Credit Union has an A health rating.

Field of Membership Restrictions

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

Customer Service

Posted by: |

I spoke to customer service today about a charge on my debit card.
The representative was Richard Herrin and he was very informative, patient and extremely helpful. After researching my inquiry, we decided to put a stop pay on the charge in question.
Thank you so much for taking your time to research this charge!

Sincerely,
Rita K
A Vystar member forever!!!

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.

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!!!

Very Bad Service

I made a $49000 payment that was recieved by them on July 28. As of August 6, the check had not been cashed. So i stopped payment. Then on August 10 I get a call from Vystar wanting to know what to do with the check. Jeezzzz

So I mailed a paper check. That took another 12 days, they did process it the day after they got it.

Now i have a small balance to pay off to clear the account. My wife called them on Setember 24 to pay the balance from her account and recieved and confirmation number and instructions on obtaining our title. The payment never cleared.

so I did another call andgave them a CCared to clear the balance. The young lady said it was declined. So I called the credit card company and they told me that there were no declines and not attempts.???

Now I online chatted and asked for a call back, NOTHING happend.

So I called the customer service number and got connected with a very nice lady that wanted to help. She could not. Basically i am out a few hundred dollars in interest. She did connect us with a "payment taker" I gave her the card number and after a bit she came back and ask for the 3 digit code (I knew she would need it). another long delay and then got cut off. Now I would have expected a call back, NOTHING..

They need some serious training and they cannot blame it on Covid. I did ask to talk to the Manager and was told that would not happen. Nice isnt it.

VIEW MORE REVIEWS

Health

Health Grade Components

Overall
NCUA #68490
Year Chartered1952
Employees1873
Primary Regulator
Profit Margin
Return on Assets - YTD1%
Return on Equity - YTD12.06%
Annual Interest Income$172.3MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$11.00B$9.52B
LoansQ2 2021vs Q2 2020$7.47B$7.15B
DepositsQ2 2021vs Q2 2020$9.93B$8.23B
Equity CapitalQ2 2021vs Q2 2020$902.2MM$838.5MM
Loan Loss AllowanceQ2 2021vs Q2 2020$58.3MM$50.2MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$18.3MM$26.1MM
Real Estate OwnedQ2 2021vs Q2 2020$179.00K$156.00K
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
0.10%$2.5k-Business Savings
0.10%$50-Primary Savings
0.10%--Kids Club Savings
0.10%$50-Regular Savings
0.10%$50-Holiday Savings

VyStar Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$100k*-Business Money Market
OTHER TIERS: 0.20% Up to $100k
0.40%*$100k*-Money Market Account
OTHER TIERS: 0.20% 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%$2.5k-Non Profit Association Checking
0.10%--Teen & Youth Checking Account

VyStar Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%*$50k*-60 Month CD
OTHER TIERS: 1.00% $500 - $50k
1.10%*$50k*-Business 60 Month CD
OTHER TIERS: 1.00% $500 - $50k
1.00%*$50k*-48 Month CD
OTHER TIERS: 0.90% $500 - $50k
1.00%*$50k*-Business 48 Month CD
OTHER TIERS: 0.90% $500 - $50k
0.90%*$50k*-36 Month CD
OTHER TIERS: 0.80% $500 - $50k
0.90%*$50k*-Business 36 Month CD
OTHER TIERS: 0.80% $500 - $50k
0.80%*$50k*-30 Month CD
OTHER TIERS: 0.70% $500 - $50k
0.80%*$50k*-Business 30 Month CD
OTHER TIERS: 0.70% $500 - $50k
0.70%*$50k*-24 Month CD
OTHER TIERS: 0.60% $500 - $50k
0.70%*$50k*-Business 18 Month CD
OTHER TIERS: 0.60% $500 - $50k
0.70%*$50k*-Business 24 Month CD
OTHER TIERS: 0.60% $500 - $50k
0.60%*$50k*-18 Month CD
OTHER TIERS: 0.50% $500 - $50k
0.60%*$50k*-Business 12 Month CD
OTHER TIERS: 0.50% $500 - $50k
0.55%*$50k*-12 Month CD
OTHER TIERS: 0.45% $500 - $50k
0.55%$100$2k12 Month Youth CD
0.45%*$50k*-9 Month CD
OTHER TIERS: 0.35% $500 - $50k
0.45%*$50k*-Business 9 Month CD
OTHER TIERS: 0.35% $500 - $50k
0.40%*$50k*-6 Month CD
OTHER TIERS: 0.30% $500 - $50k
0.40%*$50k*-Business 6 Month CD
OTHER TIERS: 0.30% $500 - $50k
0.35%*$50k*-3 Month CD
OTHER TIERS: 0.25% $500 - $50k
0.35%*$50k*-Business 3 Month CD
OTHER TIERS: 0.25% $500 - $50k

VyStar Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%*$50k*-60 Month IRA
OTHER TIERS: 1.00% $500 - $50k
1.00%*$50k*-48 Month IRA
OTHER TIERS: 0.90% $500 - $50k
0.90%*$50k*-36 Month IRA
OTHER TIERS: 0.80% $500 - $50k
0.80%*$50k*-30 Month IRA
OTHER TIERS: 0.70% $500 - $50k
0.70%*$50k*-24 Month IRA
OTHER TIERS: 0.60% $500 - $50k
0.60%*$50k*-18 Month IRA
OTHER TIERS: 0.50% $500 - $50k
0.55%*$50k*-12 Month IRA
OTHER TIERS: 0.45% $500 - $50k
0.45%*$50k*-9 Month IRA
OTHER TIERS: 0.35% $500 - $50k
0.40%*$50k*-6 Month IRA
OTHER TIERS: 0.30% $500 - $50k
0.35%*$50k*$100k3 Month IRA
OTHER TIERS: 0.25% $500 - $50k | 0.30% $100k+
Locations

Availability



The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.