76 S Laura St
Jacksonville, FL 32202
See all branch locations →

Phone 1-904-777-6000

Notable Rates APY Vs.Others
Savings 0.10% 0.95% →
1-Year CD 1.00% 1.01% →
2-Year CD 1.20% 0.95% →
5-Year CD 1.50% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Vystar is an NCUA insured institution located in Jacksonville, FL. It was founded in 1952 and has approximately $9371.23 millions in assets.

Who can join?

VyStar serves more consumers than ever before. Individuals and businesses from Alachua, Baker, Bradford, Clay, Columbia, Duval, Flagler, Gilchrist, Hamilton, Levy, Marion, Nassau, Putnam, St. Johns, Suwannee, Union and Volusia counties rely on VyStar to help fulfill their financial goals and dreams. This includes any business, club, church, organization or association located in the designated area and any person who is related to a member by blood, marriage or adoption -- regardless of where they live.

Your membership will last a lifetime. Our policy at VyStar is, “Once a member, always a member.” That means, wherever your future takes you-wherever you may move or end up living in the world-VyStar will go with you and continue to serve and meet your needs.

Who May Join

As a state-chartered community credit union, our membership is defined geographically. This means that if you live or work within the counties defined above then you are eligible to become a member of VyStar Credit Union.

NCUA Insured Yes
Charter Number # # 68490
Date Established 1952
Assets $9,371.23 million
Loans $6,806.00 million
Deposits $7,438.22 million
Capital $800.83 million

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.

Deposit Rates - October 23, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.30% $2,500 $2,999 Learn More
Money Market
0.30% $10,000 $14,999 Learn More
Money Market
0.30% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.40% $10,000 $14,999 Learn More
3 Mo CD
0.50% $100,000 $199,999 Learn More
6 Mo CD
0.70% $10,000 $14,999 Learn More
6 Mo CD
0.80% $100,000 $199,999 Learn More
12 Mo CD
0.90% $10,000 $14,999 Learn More
12 Mo CD
1.00% $100,000 $199,999 Learn More
18 Mo CD
0.95% $10,000 $14,999 Learn More
18 Mo CD
1.05% $100,000 $199,999 Learn More
24 Mo CD
1.10% $10,000 $14,999 Learn More
24 Mo CD
1.20% $100,000 $199,999 Learn More
30 Mo CD
1.10% $10,000 $14,999 Learn More
30 Mo CD
1.20% $100,000 $199,999 Learn More
36 Mo CD
1.15% $10,000 $14,999 Learn More
36 Mo CD
1.25% $100,000 $199,999 Learn More
48 Mo CD
1.30% $10,000 $14,999 Learn More
48 Mo CD
1.40% $100,000 $199,999 Learn More
60 Mo CD
1.40% $10,000 $14,999 Learn More
60 Mo CD
1.50% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.26% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 $99 Learn MoreShow Less
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 23, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for VYSTAR

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.575% 2.500% 1.00 $2,470 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to VYSTAR
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Below are Vystar branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Vystar Locations

Financial Details

Vystar Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Vystar. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Vystar U.S. Average
5.08% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, Vystar had $41,648,874 in non-current loans and $1,127,234 in owned assets. To cover these potential losses it had $800,830,014 in net worth and $41,640,743 in loans loss reserves. That gives it a Texas Ratio of 5.08%.

Net Worth
Vystar U.S. Average
8.54% 13.61%

Vystar FCU has a net worth of 8.54% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Vystar

Branches and Savings

What is Vystar?

A federal credit union, registered with the NCUA under certificate #68490.
Learn more about credit unions here.

Is Vystar FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Vystar?

Please see Field of Membership information above for information on who is eligible to join.

What are Vystar's share account and share certificate rates?

Vystar's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Vystar?

Vystar has total capital of $800.83 million. Full information on Vystar's financial position is located above.

Who owns Vystar?

Credit Unions are owned by their members.

Where are Vystar branches located?

See branch locations nearby.

Are Vystar ATMs Open 24/7?

Do Vystar ATMs accept cash deposits?

Can Vystar customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Vystar have a mobile app?

Does Vystar have mobile deposit?

Does Vystar have quick pay?

How can Vystar transfer money to other banks or credit unions?

Does Vystar report to credit bureaus?

Does Vystar use Chexsystems?

Does Vystar use Equifax?

What is Vystar's toll free phone number?

What is Vystar's ACH Routing Number?

What is Vystar's SWIFT code?

Where can I find Vystar's wire transfer form?

What is the Vystar address for deposits?

What Products Does Vystar Offer

Does Vystar offer mortgages?

Compare mortgage rates here.

Does Vystar offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Vystar offer auto and RV loans?

Compare auto loan rates here.

Does Vystar offer student loans or personal loans?

Compare personal loan rates here.

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