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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 17th largest credit union in the nation. It was established in 1952 and as of June of 2017, it had grown to 1,244 employees and 567,452 members at 57 locations. Vystar Credit Union's money market rates are 16% higher than the national average, and it 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

Related Posts

15-Month CD Special (Up To 1.30% APY) In North & Central Florida - 3/20/2017

Vystar Credit Union promotional CD 15 month term $500 minimum 1.25% APY for CD’s $500 to $49,999.99 1.30% APY for CD’s $50,000 and up Available as a REGULAR or IRA CD At maturity, funds will roll into a 12 month CD at the current posted rate This offer is only available for a limited time https://www.vystarcu.org/About-Us/Newsroom/Current-Promotions/CD-Promotion-32017

Banking at Vystar Credit Union

Posted by: shawnday2 | May 4, 2017

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.

Vystar review

Vystar is a very reliable credit union. I have been with them for a few years now and I have never had any big problems with them. The customer service is great and I always feel safe and secure when I am there. I have used them for a checking account and savings account. I had a CD with them but I found that online banks have better rates. But, for a local credit union, I wouldn't choose any other one. I like having the access to them within a few minutes drive.

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.

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.

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Health

Health Grade Components

Overall
NCUA #68490
Year Chartered1952
Employees1244
Primary Regulator
Profit Margin
Return on Assets - YTD0.79%
Return on Equity - YTD8.93%
Annual Interest Income$104.5MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$6.88B$6.19B
LoansQ2 2017vs Q2 2016$4.81B$4.17B
DepositsQ2 2017vs Q2 2016$5.35B$4.91B
Equity CapitalQ2 2017vs Q2 2016$605.1MM$563.8MM
Loan Loss AllowanceQ2 2017vs Q2 2016$32.3MM$32.0MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$13.9MM$16.9MM
Real Estate OwnedQ2 2017vs Q2 2016$1.2MM$482.00K
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
0.25%$2,500-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
0.51%*$100k*-Business Money Market
OTHER TIERS: 0.31% Up to $10k | 0.36% $10k - $25k | 0.41% $25k - $50k | 0.46% $50k - $100k
0.51%*$100k*-Money Market Account
OTHER TIERS: 0.31% Up to $10k | 0.36% $10k - $25k | 0.41% $25k - $50k | 0.46% $50k - $100k

Vystar Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$2,500-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%$2,500-Non Profit Association Checking

Vystar Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.95%*$50k*-60 Month CD
OTHER TIERS: 1.90% $500 - $50k
1.95%*$50k*-Business 60 Month CD
OTHER TIERS: 1.90% $500 - $50k
1.50%*$50k*-48 Month CD
OTHER TIERS: 1.45% $500 - $50k
1.50%*$50k*-Business 48 Month CD
OTHER TIERS: 1.45% $500 - $50k
1.30%*$50k*-36 Month CD
OTHER TIERS: 1.25% $500 - $50k
1.30%*$50k*-Business 36 Month CD
OTHER TIERS: 1.25% $500 - $50k
1.21%*$50k*-30 Month CD
OTHER TIERS: 1.16% $500 - $50k
1.21%*$50k*-Business 30 Month CD
OTHER TIERS: 1.16% $500 - $50k
1.16%*$50k*-24 Month CD
OTHER TIERS: 1.11% $500 - $50k
1.16%*$50k*-Business 24 Month CD
OTHER TIERS: 1.11% $500 - $50k
0.96%*$50k*-18 Month CD
OTHER TIERS: 0.91% $500 - $50k
0.96%$100$2k12 Month Kid's CD
0.96%$100$2k12 Month VyTeen Member CD
0.96%$100-12 Month Bravo Member CD
0.96%$100-12 Month Achieve Member CD
0.96%*$50k*-Business 18 Month CD
OTHER TIERS: 0.91% $500 - $50k
0.91%*$50k*-12 Month CD
OTHER TIERS: 0.86% $500 - $50k
0.91%*$50k*-Business 12 Month CD
OTHER TIERS: 0.86% $500 - $50k
0.71%*$50k*-9 Month CD
OTHER TIERS: 0.66% $500 - $50k
0.66%*$50k*-6 Month CD
OTHER TIERS: 0.61% $500 - $50k
0.66%*$50k*-Business 6 Month CD
OTHER TIERS: 0.61% $500 - $50k
0.66%*$50k*-Business 9 Month CD
OTHER TIERS: 0.61% $500 - $50k
0.56%*$50k*-3 Month CD
OTHER TIERS: 0.51% $500 - $50k
0.56%*$50k*-Business 3 Month CD
OTHER TIERS: 0.51% $500 - $50k

Vystar Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.95%*$50k*-60 Month IRA
OTHER TIERS: 1.90% $500 - $50k
1.50%*$50k*-48 Month IRA
OTHER TIERS: 1.45% $500 - $50k
1.30%*$50k*-36 Month IRA
OTHER TIERS: 1.25% $500 - $50k
1.21%*$50k*-30 Month IRA
OTHER TIERS: 1.16% $500 - $50k
1.16%*$50k*-24 Month IRA
OTHER TIERS: 1.11% $500 - $50k
0.96%*$50k*-18 Month IRA
OTHER TIERS: 0.91% $500 - $50k
0.91%*$50k*-12 Month IRA
OTHER TIERS: 0.86% $500 - $50k
0.71%*$50k*-9 Month IRA
OTHER TIERS: 0.66% $500 - $50k
0.66%*$50k*-6 Month IRA
OTHER TIERS: 0.61% $500 - $50k
0.56%*$50k*-3 Month IRA
OTHER TIERS: 0.51% $500 - $50k
Locations

Availability