Jacksonville, FL 32210


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 68490
Date Established 1952
Assets $7,703.25 million
Loans $5,396.33 million
Deposits $5,765.57 million
Capital $681.61 million

Vystar is an NCUA insured institution located in Jacksonville, FL. It was founded in 1952 and has approximately $7703.25 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.

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 - January 21, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.65% $2,500 $9,999 Learn MoreShow Less
Money Market
0.70% $10,000 $24,999 Learn MoreShow Less
Money Market
0.80% $25,000 $49,999 Learn MoreShow Less
2.20% $500 $9,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
1.20% $10,000 $24,999 Learn MoreShow Less
3 Mo CD
1.30% $100,000 - Learn MoreShow Less
1.50% $10,000 $24,999 Learn MoreShow Less
6 Mo CD
1.60% $100,000 - Learn MoreShow Less
2.20% $10,000 $24,999 Learn MoreShow Less
12 Mo CD
2.30% $100,000 - Learn MoreShow Less
2.30% $10,000 $24,999 Learn MoreShow Less
18 Mo CD
2.40% $100,000 - Learn MoreShow Less
2.40% $10,000 $24,999 Learn MoreShow Less
24 Mo CD
2.55% $100,000 - Learn MoreShow Less
2.50% $10,000 $24,999 Learn MoreShow Less
30 Mo CD
2.65% $100,000 - Learn MoreShow Less
2.65% $10,000 $24,999 Learn MoreShow Less
36 Mo CD
2.80% $100,000 - Learn MoreShow Less
2.80% $10,000 $24,999 Learn MoreShow Less
48 Mo CD
2.95% $100,000 - Learn MoreShow Less
2.95% $10,000 $24,999 Learn MoreShow Less
60 Mo CD
3.10% $100,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.26% $50 $2,499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 - Learn MoreShow Less

Loan Rates - January 21, 2019

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 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.250% 5.250% 0.00 $0 $1,381 Learn More
HomeLend Mortgage
NMLS ID: 138075
License#: MC-5650
4.206% 4.125% 0.38 $2,432 $1,212 Learn More
Triangle Lending Group, Inc.
NMLS ID: 64446
License#: MC-5531
4.155% 4.125% 0.38 $900 $1,212 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info

Note to VYSTAR
To upload and update your bank's rates please register. It is free to register and add rates.


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.

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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
1.75% 5.78

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 June 30, 2018, Vystar had $12,064,328 in non-current loans and $468,196 in owned assets. To cover these potential losses it had $681,606,393 in net worth and $33,462,340 in loans loss reserves. That gives it a Texas Ratio of 1.75%.

Net Worth
Vystar U.S. Average
8.84% 13.21%

Vystar FCU has a net worth of 8.84% versus the BestCashCow average of 13.21. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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