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 18th largest credit union in the nation. It was established in 1952 and as of June of 2016, it had grown to 1,227 employees and 526,012 members at 51 locations. Vystar Credit Union 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

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!

Poor Choice For Large Accounts

I'm accumulating funds toward buying a property, and live well outside town. I've ended out with $10k+ in my Vystar account and need to transfer it to an escrow account. The only way I can do this online is to do bank transfers in $2000 increments, no more than one a day, and the most I can transfer in 30 days is $5k. If I want a wire transfer (at $35) I have to come in an fill out a bunch of forms. I also find Vystar's system for e-depositing checks to be clumsy. I prefer to do e-deposits with a scanner and desktop. That isn't supported. The cell phone method, which is supported, generally fails a few times before it lets a deposit go through.

VIEW MORE REVIEWS

Health
A

Health Grade Components

Overall
NCUA #68490
Year Chartered1952
Employees1227
Primary Regulator
Profit Margin
Return on Assets - YTD0.76%
Return on Equity - YTD8.29%
Annual Interest Income$88.9MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$6.19B$5.52B
LoansQ2 2016vs Q2 2015$4.17B$3.81B
DepositsQ2 2016vs Q2 2015$4.91B$4.40B
Equity CapitalQ2 2016vs Q2 2015$563.8MM$521.9MM
Loan Loss AllowanceQ2 2016vs Q2 2015$32.0MM$38.1MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$16.9MM$12.4MM
Real Estate OwnedQ2 2016vs Q2 2015$482.00K$2.5MM
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%--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.