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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 June of 2023, it had grown to 2,209 employees and 901,612 members at 90 locations. VyStar Credit Union's CD rates are 3X the national average, and it 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

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Reviews (49)

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

No Longer For The People

Posted by: |

As a long time member, I am becoming increasingly dissatisfied with Vystar. The conversion to the new platform is absolutely no better than what they had in place prior to this debacle. In addition, they have gone from being a credit union for the people to acting just like any other bank to bog to fail. I did not sign up for a variable rate credit card when I joined them in 1989 and that has now been forced on me along with an interest rate that is jumping up almost double from their last increase. When I called today I learned they have gone from a live person to an automated recording. They offer me terrible interest rates on savings and CDs. I am left wondering just how this Credit Union is supporting me and its other members any better than a regular bank with shareholders these days....

The mobile banking issues happened during a planned conversion to a new platform. VyStar said all funds are secure. The bank is using local banking tech firm Nymbus to launch the new platform electing it as its digital banking partner a few months after investing $20 million in the company. I don't recall this being divulged in advance of commitment.

2

Poor Service

Posted by: |

I have been banking with Vystar for over 30 years and I have never seen customer services as poor as it is now. I know covid changed things but vystar has let their service go down hill. I know I'm not the only one because every time I go in there are people complaining about the wait times and lack of service.

15
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Health
A

Data as of Q2 2023

Learn why bank health matters

Health Grade Components

Overall
NCUA #68490
Year Chartered1952
Employees2209
Primary Regulator
Profit Margin
Return on Assets - YTD0.11%
Return on Equity - YTD0.5%
Annual Interest Income$304.5MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$13.65B$13.03B
LoansQ2 2023vs Q2 2022$9.63B$8.71B
DepositsQ2 2023vs Q2 2022$10.59B$10.96B
Equity CapitalQ2 2023vs Q2 2022$3.06B$787.9MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$49.1MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$65.7MM$47.2MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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
1.20%*$100k*-Money Market Account
OTHER TIERS: 0.90% → Up to $10k | 1.05% → $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
3.60%*$50k*-60 Month CD
OTHER TIERS: 3.50% → $500 - $50k
3.60%*$50k*-Business 60 Month CD
OTHER TIERS: 3.50% → $500 - $50k
3.55%*$50k*-48 Month CD
OTHER TIERS: 3.45% → $500 - $50k
3.55%*$50k*-Business 48 Month CD
OTHER TIERS: 3.45% → $500 - $50k
3.50%*$50k*-36 Month CD
OTHER TIERS: 3.40% → $500 - $50k
3.50%*$50k*-Business 36 Month CD
OTHER TIERS: 3.40% → $500 - $50k
3.45%*$50k*-24 Month CD
OTHER TIERS: 3.35% → $500 - $50k
3.45%$500-30 Month CD
3.45%*$50k*-Business 24 Month CD
OTHER TIERS: 3.35% → $500 - $50k
3.45%$500-Business 30 Month CD
3.35%*$50k*-18 Month CD
OTHER TIERS: 3.25% → $500 - $50k
3.35%*$50k*-Business 18 Month CD
OTHER TIERS: 3.25% → $500 - $50k
3.10%*$50k*-12 Month CD
OTHER TIERS: 3.00% → $500 - $50k
3.10%*$50k*-Business 12 Month CD
OTHER TIERS: 3.00% → $500 - $50k
3.10%$100$2k12 Month Youth CD
2.65%*$50k*-9 Month CD
OTHER TIERS: 2.55% → $500 - $50k
2.65%*$50k*-Business 9 Month CD
OTHER TIERS: 2.55% → $500 - $50k
2.60%*$50k*-6 Month CD
OTHER TIERS: 2.50% → $500 - $50k
2.60%*$50k*-Business 6 Month CD
OTHER TIERS: 2.50% → $500 - $50k
1.40%*$50k*-3 Month CD
OTHER TIERS: 1.30% → $500 - $50k
1.40%*$50k*-Business 3 Month CD
OTHER TIERS: 1.30% → $500 - $50k

VyStar Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.60%*$50k*-60 Month IRA
OTHER TIERS: 3.50% → $500 - $50k
3.55%*$50k*-48 Month IRA
OTHER TIERS: 3.45% → $500 - $50k
3.50%*$50k*-36 Month IRA
OTHER TIERS: 3.40% → $500 - $50k
3.45%*$50k*-24 Month IRA
OTHER TIERS: 3.35% → $500 - $50k
3.45%$500-30 Month IRA
3.35%*$50k*-18 Month IRA
OTHER TIERS: 3.25% → $500 - $50k
3.10%*$50k*-12 Month IRA
OTHER TIERS: 3.00% → $500 - $50k
2.65%*$50k*-9 Month IRA
OTHER TIERS: 2.55% → $500 - $50k
2.60%*$50k*-6 Month IRA
OTHER TIERS: 2.50% → $500 - $50k
1.40%*$50k*-3 Month IRA
OTHER TIERS: 1.30% → $500 - $50k
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