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VyStar Credit Union


Overview / Commentary
www.vystarcu.org
904-777-6000
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 13th largest credit union in the nation. It was established in 1952 and as of June of 2024, it had grown to 2,322 employees and 984,565 members at 99 locations. VyStar Credit Union's CD rates are 4X the national average, and it has a B 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

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Reviews (23)

New Rate 5.25% 13 Month CD

Posted by: |

Just got an email offering 5.25% on a limited time offering for a new CD

2

Poor Service

Posted by: |

I have been banking with Vystar for over 30 years and I have never seen customer services as poor as it is now. I know covid changed things but vystar has let their service go down hill. I know I'm not the only one because every time I go in there are people complaining about the wait times and lack of service.

16

Vystar Is Getting Worse

Posted by: |

Every time they have an update or an upgrade you can be sure you will not be able to use your app or log online. When are they going to get some people that know what they are doing? They are getting worse by the minute. It is time to start looking around.

22

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!!!

1
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Health
B

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #68490
Year Chartered1952
Employees2322
Primary Regulator
Profit Margin
Return on Assets - YTD0.19%
Return on Equity - YTD3.55%
Annual Interest Income$353MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$14.75B$13.65B
LoansQ2 2024vs Q2 2023$10.07B$9.63B
DepositsQ2 2024vs Q2 2023$10.8B$10.59B
Equity CapitalQ2 2024vs Q2 2023$807.7MM$702.1MM
Loan Loss AllowanceQ2 2024vs Q2 2023$82.2MM$96.7MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$89.1MM$65.7MM
Real Estate OwnedQ2 2024vs Q2 2023$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.56%*$100k*-IRA Savings
OTHER TIERS: 0.26% → $0 - $10k | 0.36% → $10k - $25k | 0.46% → $25k - $50k | 0.51% → $50k - $100k
0.46%*$100k*-Health Savings Account
OTHER TIERS: 0.26% → $0 - $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%$0-Kids Club Savings
0.10%$50-Regular Savings
0.10%$50-Holiday Savings

VyStar Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*$100k*-Business Money Market
OTHER TIERS: 1.00% → $0+ | 1.10% → $0 - $50k | 1.30% → $10k - $100k
1.50%*$250k*-Money Market Account
OTHER TIERS: 1.00% → $0 - $10k | 1.10% → $10k - $100k | 1.30% → $100k - $250k

VyStar Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$2.5k-Small Business Checking
0.10%$5k-Regular Business Checking
0.10%$0-Regular Checking
0.10%$2.5k-Non Profit Association Checking
0.10%$0-Teen & Youth Checking Account

VyStar Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*$50k*-9 Month CD
OTHER TIERS: 3.90% → $500 - $50k
4.00%*$50k*-12 Month CD
OTHER TIERS: 3.90% → $500 - $50k
4.00%*$50k*-24 Month CD
OTHER TIERS: 3.90% → $500 - $50k
4.00%*$50k*-30 Month CD
OTHER TIERS: 3.90% → $500 - $50k
4.00%*$50k*-Business 9 Month CD
OTHER TIERS: 3.90% → $500 - $50k
4.00%*$50k*-Business 12 Month CD
OTHER TIERS: 3.90% → $500 - $50k
4.00%*$50k*-Business 24 Month CD
OTHER TIERS: 3.90% → $500 - $50k
4.00%*$50k*-Business 30 Month CD
OTHER TIERS: 3.90% → $500 - $50k
4.00%$100$2k12 Month Youth CD
3.95%*$50k*-6 Month CD
OTHER TIERS: 3.85% → $500 - $50k
3.95%*$50k*-Business 6 Month CD
OTHER TIERS: 3.85% → $500 - $50k
3.80%*$50k*-3 Month CD
OTHER TIERS: 3.70% → $500 - $50k
3.80%*$50k*-Business 3 Month CD
OTHER TIERS: 3.70% → $500 - $50k
3.70%*$50k*-36 Month CD
OTHER TIERS: 3.60% → $500 - $50k
3.70%*$50k*-Business 36 Month CD
OTHER TIERS: 3.60% → $500 - $50k
3.60%*$50k*-18 Month CD
OTHER TIERS: 3.50% → $500 - $50k
3.60%*$50k*-48 Month CD
OTHER TIERS: 3.50% → $500 - $50k
3.60%*$50k*-Business 18 Month CD
OTHER TIERS: 3.50% → $500 - $50k
3.60%*$50k*-Business 48 Month CD
OTHER TIERS: 3.50% → $500 - $50k
3.50%*$50k*-60 Month CD
OTHER TIERS: 3.40% → $500 - $50k
3.50%*$50k*-Business 60 Month CD
OTHER TIERS: 3.40% → $500 - $50k

VyStar Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*$50k*-9 Month IRA
OTHER TIERS: 3.90% → $500 - $50k
4.00%*$50k*-12 Month IRA
OTHER TIERS: 3.90% → $500 - $50k
4.00%*$50k*-24 Month IRA
OTHER TIERS: 3.90% → $500 - $50k
4.00%*$50k*-30 Month IRA
OTHER TIERS: 3.90% → $500 - $50k
3.95%*$50k*-6 Month IRA
OTHER TIERS: 3.85% → $500 - $50k
3.80%*$50k*-3 Month IRA
OTHER TIERS: 3.70% → $500 - $50k
3.70%*$50k*-36 Month IRA
OTHER TIERS: 3.60% → $500 - $50k
3.60%*$50k*-18 Month IRA
OTHER TIERS: 3.50% → $500 - $50k
3.60%*$50k*-48 Month IRA
OTHER TIERS: 3.50% → $500 - $50k
3.50%*$50k*-60 Month IRA
OTHER TIERS: 3.40% → $500 - $50k
Locations

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