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 December of 2021, it had grown to 1,954 employees and 806,534 members at 83 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

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.

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.

The VYSTAR APP Bugs...... Hurt My Score!

I am disappointed. I have used VYSTAR for all of my banking needs for years. There APP is awful and I thought I made a CC payment twice through the stupid app. It looked like it through on my end twice...... but NOOOOOOO I get my credit score bumped down 17 points because of a one late payment even though I thought I paid it twice via that stupid app. I then call VYSTAR and wait on hold for 30 minutes to see if they can help me. They were unwilling to help because they claim the information is correct. THANKS A LOT Vystar. Has anyone else experienced this same thing?? I worked my butt off to get a decent score and now its ruined. I really cannot believe that no one was willing to help me. I was just placed on hold forever and then the phone system reset on me. Then I had to explain my dilemma again to another seemingly less caring person. I was told " "I can tell you that they won't change it from experience". I never even got to speak with anyone and explain that I thought I paid it twice through the APP. Come on Vystar just look at my payment history with my car and CC both ALWAYS ON TIME.

Vystar Credit Union - Worst Credit Union

Posted by: |

Locked online banking every time I tried to use the account and system always down. 54 minutes to get thru in customer service. Stood in line 45 minutes in St Augustine branch with only 4 people in line, twice. Refused to unlock account and wanted Notarized Affadavit of Indemnity to close Credit card after paying it off. Totally worst credit union and zero care for members. They SUCK! DO NOT DO BUSINESS WITH THESE IDIOTS.

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Health

Health Grade Components

Overall
NCUA #68490
Year Chartered1952
Employees1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.93%
Return on Equity - YTD11.43%
Annual Interest Income$351.0MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$11.65B$10.01B
LoansQ4 2021vs Q4 2020$7.98B$7.37B
DepositsQ4 2021vs Q4 2020$10.54B$8.94B
Equity CapitalQ4 2021vs Q4 2020$936.2MM$879.8MM
Loan Loss AllowanceQ4 2021vs Q4 2020$54.1MM$56.1MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$29.9MM$32.2MM
Real Estate OwnedQ4 2021vs Q4 2020$179.00K$156.00K
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
0.40%*$100k*-Business Money Market
OTHER TIERS: 0.25% Up to $100k
0.40%*$100k*-Money Market Account
OTHER TIERS: 0.25% 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
1.15%*$50k*-60 Month CD
OTHER TIERS: 1.05% $500 - $50k
1.15%*$50k*-Business 60 Month CD
OTHER TIERS: 1.05% $500 - $50k
1.05%*$50k*-48 Month CD
OTHER TIERS: 0.95% $500 - $50k
1.05%*$50k*-Business 48 Month CD
OTHER TIERS: 0.95% $500 - $50k
0.95%*$50k*-36 Month CD
OTHER TIERS: 0.85% $500 - $50k
0.95%*$50k*-Business 36 Month CD
OTHER TIERS: 0.85% $500 - $50k
0.85%*$50k*-30 Month CD
OTHER TIERS: 0.75% $500 - $50k
0.85%*$50k*-Business 30 Month CD
OTHER TIERS: 0.75% $500 - $50k
0.75%*$50k*-24 Month CD
OTHER TIERS: 0.65% $500 - $50k
0.75%*$50k*-Business 18 Month CD
OTHER TIERS: 0.65% $500 - $50k
0.75%*$50k*-Business 24 Month CD
OTHER TIERS: 0.65% $500 - $50k
0.70%*$50k*-18 Month CD
OTHER TIERS: 0.60% $500 - $50k
0.70%*$50k*-Business 12 Month CD
OTHER TIERS: 0.60% $500 - $50k
0.60%*$50k*-12 Month CD
OTHER TIERS: 0.50% $500 - $50k
0.60%$100$2k12 Month Youth CD
0.50%*$50k*-9 Month CD
OTHER TIERS: 0.40% $500 - $50k
0.50%*$50k*-Business 9 Month CD
OTHER TIERS: 0.40% $500 - $50k
0.45%*$50k*-6 Month CD
OTHER TIERS: 0.35% $500 - $50k
0.45%*$50k*-Business 6 Month CD
OTHER TIERS: 0.35% $500 - $50k
0.40%*$50k*-3 Month CD
OTHER TIERS: 0.30% $500 - $50k
0.40%*$50k*-Business 3 Month CD
OTHER TIERS: 0.30% $500 - $50k

VyStar Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.15%*$50k*-60 Month IRA
OTHER TIERS: 1.05% $500 - $50k
1.05%*$50k*-48 Month IRA
OTHER TIERS: 0.95% $500 - $50k
0.95%*$50k*-36 Month IRA
OTHER TIERS: 0.85% $500 - $50k
0.85%*$50k*-30 Month IRA
OTHER TIERS: 0.75% $500 - $50k
0.75%*$50k*-24 Month IRA
OTHER TIERS: 0.65% $500 - $50k
0.70%*$50k*-18 Month IRA
OTHER TIERS: 0.60% $500 - $50k
0.60%*$50k*-12 Month IRA
OTHER TIERS: 0.50% $500 - $50k
0.50%*$50k*-9 Month IRA
OTHER TIERS: 0.40% $500 - $50k
0.45%*$50k*-6 Month IRA
OTHER TIERS: 0.35% $500 - $50k
0.40%*$50k*$100k3 Month IRA
OTHER TIERS: 0.30% $500 - $50k | 0.35% $100k+
Locations

Availability

Jacksonville Area

Interactive local rates map


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