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VyStar Credit Union


Overview / Commentary
www.vystarcu.org
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 17th largest credit union in the nation. It was established in 1952 and as of September of 2020, it had grown to 1,757 employees and 735,734 members at 80 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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Reviews (28)

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!!!

1

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.

9

What Has Happened To Vystar??

Posted by: |

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!!!

11

Couldn't Be More Disappointed

Posted by: |

My father passed away August 4th. my sister flew down to Florida from Boston within a week or so of it, which is where his children live, to in person hand in a death certificate and a legal notarized letter stating who could deal with the estate. However it is Christmas next week and none of us have received any bit of mail from them. Even though they said they have already sent it. And no checks to close out the account from his estate. We have sent everything they requested, including a link to his obituary! Can you belive they asked for that! They give us excuse after excuse. It's hard enough with this being the first Christmas without him, but now this is carrying on and i still have to be dealing with it. Couldn't be more disappointed with the lack of shame that this credit union has. Who knows when we will be getting our fathers processed from this account. The only saving grace is the people I've talked to are very polite, however that doesn't help me be done with this.

2
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Health
A

Data as of Q3 2020

Learn why bank health matters

Health Grade Components

Overall
NCUA #68490
Year Chartered1952
Employees1757
Primary Regulator
Profit Margin
Return on Assets - YTD0.83%
Return on Equity - YTD9.27%
Annual Interest Income$259.0MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$9.82B$9.02B
LoansQ3 2020vs Q3 2019$7.28B$6.31B
DepositsQ3 2020vs Q3 2019$8.52B$6.78B
Equity CapitalQ3 2020vs Q3 2019$866.6MM$782.7MM
Loan Loss AllowanceQ3 2020vs Q3 2019$55.3MM$35.3MM
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$25.1MM$23.1MM
Real Estate OwnedQ3 2020vs Q3 2019$156.00K$1.4MM
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

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