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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 September of 2022, it had grown to 2,075 employees and 847,497 members at 84 locations. VyStar Credit Union's CD rates are 3X 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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23 Month CD At 4 Percent - 10/28/2022

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Reviews (47)

Banking at Vystar Credit Union

Posted by: |

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.

6

Penalized For Being A Victim Of Fraud

Posted by: |

***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.

17

Get It Done.

Posted by: |

I have been a member of VyStar Credit Union since when it was Navy Federal Credit Union in the late 80s. They have always had excellent customer service, and their mobile and online banking has been top-notch. Recently, someone got the idea of upgrading the online banking system. Not a bad idea, per se, but this latest event illustrates the old adage, "if it ain't broke, don't fix it." Their online system has been offline due to difficulties in getting it established for almost a week now I believe. Seriously, it's time to get your act together. You have had long enough to get the online system in place. Dealing with your system right now is extremely inconvenient. I may consider putting my account elsewhere. My advice to you regarding the online system is simply, get it done.

10

Take Your Money And Run

Posted by: |

VyStar is not letting me withdraw money and transfer to another credit union. They keep making excuses

2
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Health
B+

Data as of Q3 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #68490
Year Chartered1952
Employees2075
Primary Regulator
Profit Margin
Return on Assets - YTD0.59%
Return on Equity - YTD10.84%
Annual Interest Income$324.7MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$13.23B$11.41B
LoansQ3 2022vs Q3 2021$9.03B$7.65B
DepositsQ3 2022vs Q3 2021$10.75B$10.32B
Equity CapitalQ3 2022vs Q3 2021$715.0MM$927.4MM
Loan Loss AllowanceQ3 2022vs Q3 2021$47.3MM$55.4MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$46.7MM$23.2MM
Real Estate OwnedQ3 2022vs Q3 2021$0$179.00K
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% → 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
1.25%*$100k*-Business Money Market
OTHER TIERS: 0.95% → Any amount | 1.10% → $10k - $100k
1.25%*$100k*-Money Market Account
OTHER TIERS: 0.95% → Up to $10k | 1.10% → $10k - $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
4.50%*$50k*-23 Month CD Special
OTHER TIERS: 4.40% → $500 - $50k
4.25%*$50k*-13 Month CD Special
OTHER TIERS: 4.15% → $500 - $50k
3.55%*$50k*-60 Month CD
OTHER TIERS: 3.45% → $500 - $50k
3.35%*$50k*-48 Month CD
OTHER TIERS: 3.25% → $500 - $50k
3.25%*$50k*-36 Month CD
OTHER TIERS: 3.15% → $500 - $50k
3.05%*$50k*-30 Month CD
OTHER TIERS: 2.95% → $500 - $50k
2.85%*$50k*-24 Month CD
OTHER TIERS: 2.75% → $500 - $50k
2.70%*$50k*-18 Month CD
OTHER TIERS: 2.60% → $500 - $50k
2.65%*$50k*-12 Month CD
OTHER TIERS: 2.55% → $500 - $50k
2.65%$100$2k12 Month Youth CD
2.00%*$50k*-9 Month CD
OTHER TIERS: 1.90% → $500 - $50k
1.90%*$50k*-6 Month CD
OTHER TIERS: 1.80% → $500 - $50k
1.40%*$50k*-3 Month CD
OTHER TIERS: 1.30% → $500 - $50k

VyStar Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%*$50k*-23 Month IRA Special
OTHER TIERS: 4.40% → $500 - $50k
4.25%*$50k*-13 Month IRA Special
OTHER TIERS: 4.15% → $500 - $50k
3.55%*$50k*-60 Month IRA
OTHER TIERS: 3.45% → $500 - $50k
3.35%*$50k*-48 Month IRA
OTHER TIERS: 3.25% → $500 - $50k
3.25%*$50k*-36 Month IRA
OTHER TIERS: 3.15% → $500 - $50k
3.05%*$50k*-30 Month IRA
OTHER TIERS: 2.95% → $500 - $50k
2.85%*$50k*-24 Month IRA
OTHER TIERS: 2.75% → $500 - $50k
2.70%*$50k*-18 Month IRA
OTHER TIERS: 2.60% → $500 - $50k
2.65%*$50k*-12 Month IRA
OTHER TIERS: 2.55% → $500 - $50k
2.00%*$50k*-9 Month IRA
OTHER TIERS: 1.90% → $500 - $50k
1.90%*$50k*-6 Month IRA
OTHER TIERS: 1.80% → $500 - $50k
1.40%*$50k*-3 Month IRA
OTHER TIERS: 1.30% → $500 - $50k
Locations

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