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 March of 2021, it had grown to 1,818 employees and 764,701 members at 79 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

Related Posts

VyStar Credit Union (FL/GA) Has Competitive Long-Term CDs - 10/22/2020

VyStar Credit Union (FL/GA) has competitive long-term CD rates with the highest rates available for a $50k minimum deposit. Lower rates are available for a $500 minimum.

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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.

SOOOO DISAPPOINTED WITH VYSTAR!!!

Posted by: |

Well, I cannot believe it has come to this but VyStar has truly disappointed me and I feel that current members, as well as any future members, may want to hear my story, and the lack of caring displayed by VyStar management!!!

Recently, my wife fell victim to a phishing scam claiming to be PayPal support. They claimed there were disputed charges and had her initiate a Remote Desktop session so they could “assist” with the transaction reconciliation. During this time, and unbeknownst to me, they had full access to her online banking. They told her they would refund a small amount of money BUT when they entered the “refund” to her account, they misplaced a decimal point and deposited a much larger sum instead. Their entire scam was that they would lose their job and asked for her assistance in resolving “their mistake”…begged and pleaded!

They actually transferred the money from savings to checking using online banking! She was requested to have VyStar wire the money to some account in Thailand which VyStar, thankfully, wouldn’t do. The scammers then instructed her to take out cash and mail it to some address in Berkley, CA. While she was on her way to FedEx, I happened to look at the computer and it was THEN that I realized they had the remote desktop running!!! While they were on the phone with wife as she was traveling to FedEx, I actually WATCHED them do a ZELLE transfer of $500 to some phone number in Ft. Lauderdale! It was at this point I immediately shut down my entire network and recalled my wife BEFORE the package could be mailed!

By the time ZELLE went to get the money from that account, I had already suspended that account so ZELLE never got the funds. I opened two cases with ZELLE and they informed me the transaction never posted and that NO money was paid to the intended recipient. I approached VyStar Customer Support and they worked diligently to resolve this issue but for some reason, VyStar management will NOT REFUND MY MONEY! VyStar knows that ZELLE never received the money, they know ZELLE never paid anyone the money and they know it was part of a hack but yet they WILLINGLY refuse to reimburse the amount! This is NOT what I expected from VyStar and I will be looking for a new home for my money and loans moving forward!!!

A Great Local Credit Union!

I have been through several banks in my life -- from First Union who turned into Wachovia and then to Wells Fargo. I saw the greed of the large banks. The monthly fees, the required minimums and the poor customer service and run around when there is a problem.

About 6 years ago, I got tired of the run around and decided to look for a local community bank or credit union. I stumbled on VyStar Credit Union and I am happy I did. All of their checking/savings accounts have no monthly maintenance fees and while I don't use their savings accounts due to low rates (use an online savings account!) I do love having a local bank I can go to if I need something. I felt it was important to establish a relationship with a local bank for a variety of reasons. VyStar processes mobile check deposits quickly, usually the same day and their customer service is great. I can chat with them 7 days a week if I need something and they're quick to respond to secure messages from the online portal.

No bank is perfect, but if you're looking to develop a relationship with your bank and not just be a number to them go open an account with VyStar Credit Union. I am happy I did.

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Health

Health Grade Components

Overall
NCUA #68490
Year Chartered1952
Employees1818
Primary Regulator
Profit Margin
Return on Assets - YTD1.12%
Return on Equity - YTD13.4%
Annual Interest Income$85.0MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$10.75B$9.37B
LoansQ1 2021vs Q1 2020$7.37B$6.81B
DepositsQ1 2021vs Q1 2020$9.72B$7.44B
Equity CapitalQ1 2021vs Q1 2020$867.2MM$799.4MM
Loan Loss AllowanceQ1 2021vs Q1 2020$56.4MM$41.6MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$21.5MM$16.6MM
Real Estate OwnedQ1 2021vs Q1 2020$216.00K$460.00K
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-VyTeen Savings
0.10%$50-Bravo Savings
0.10%$50-Achieve 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%--VyTeen Checking
0.10%--Bravo Checking
0.10%--Achieve Checking
0.10%$2.5k-Non Profit Association Checking

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 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 18 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 Kid's CD
0.55%$100$2k12 Month VyTeen Member CD
0.55%$100$2k12 Month Bravo Member CD
0.55%$100$2k12 Month Achieve Member CD
0.55%*$50k*-Business 12 Month CD
OTHER TIERS: 0.45% $500 - $50k
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%*$100k*-24 Month IRA
OTHER TIERS: 0.60% $500 - $50k | 0.70% $50k - $100k
0.80%*$50k*-30 Month IRA
OTHER TIERS: 0.70% $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*-3 Month IRA
OTHER TIERS: 0.25% $500 - $50k
Locations

Availability

Jacksonville Area

Interactive local rates map


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