Vystar Credit Union
Headquarters
76 S Laura St
Jacksonville, FL 32202
See all branch locations →
Phone 1-904-777-6000
Reviewed by Sharon | August 8, 2023 |
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. Not a good look and I don't recall this being divulged in advance.
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....
2025 Overview
General Credit Union Information
Vystar is an NCUA insured institution located in Jacksonville, FL. It was founded in 1952 and has approximately $14042.33 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 / State-Chartered |
| Charter Number # | # 68490 |
| Date Established | 1952 |
| Assets | $14,042.33 million |
| Loans | $9,848.41 million |
| Deposits | $11,070.37 million |
| Capital | $1,186.71 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 - July 30, 2025
Your Current Location: New York, NY 10116
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.10% | $50 | - |
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|
|
Money Market
|
0.95% | $0 | $9,999 |
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|
|
Money Market
|
1.05% | $10,000 | $99,999 |
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|
|
Money Market
|
1.25% | $100,000 | $249,999 |
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|
|
Money Market
|
1.45% | $250,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Month
|
3.40% | $0 | $49,999 |
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|
| 3 Month
|
3.50% | $50,000 | - |
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|
| 6 Mo CD
|
3.50% | $0 | $49,999 |
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|
| 6 Mo CD
|
3.60% | $50,000 | - |
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|
| 9 Month
|
3.65% | $0 | $49,999 |
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|
| 9 Month
|
3.75% | $50,000 | - |
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|
| 12 Mo CD
|
3.80% | $0 | $49,999 |
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|
| 12 Mo CD
|
3.90% | $50,000 | - |
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|
| 18 Mo CD
|
3.50% | $0 | $49,999 |
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|
| 18 Mo CD
|
3.60% | $50,000 | - |
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|
| 24 Mo CD
|
3.70% | $0 | $49,999 |
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|
| 24 Mo CD
|
3.80% | $50,000 | - |
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|
| 30 Mo CD
|
3.40% | $0 | $49,999 |
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|
| 30 Mo CD
|
3.50% | $50,000 | - |
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|
| 36 Mo CD
|
3.60% | $0 | $49,999 |
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|
| 36 Mo CD
|
3.70% | $50,000 | - |
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|
| 48 Mo CD
|
3.50% | $0 | $49,999 |
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|
| 48 Mo CD
|
3.60% | $50,000 | - |
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|
| 60 Mo CD
|
3.40% | $0 | $49,999 |
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|
| 60 Mo CD
|
3.50% | $50,000 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| VIRA
|
0.26% | $2,500 | $9,999 | Learn More |
Loan Rates - July 30, 2025
Your Current Location: New York, NY 10116
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 - New York 30 Year Fixed Mortgage Rates 2025
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 292473 |
6.380% | 6.250% | 0.75 | $4,414 | $1,971 | Learn More |
NMLS ID: 1067 |
6.445% | 6.375% | 0.75 | $2,362 | $1,997 | Learn More |
NMLS ID: 613839 |
6.610% | 6.490% | 0.63 | $3,999 | $2,021 | Learn More |
NMLS ID: 399799 |
6.626% | 6.500% | 1.00 | $4,348 | $2,023 | Learn More |
Featured - New York Home Equity Line Of Credit Rates 2025
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|
Note to Vystar
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Branches
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:
New York City,New York
Vystar Locations around zip code 10116
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 800.07 | A | View Lobby Hours | |
| 814.76 | B | View Lobby Hours | |
| 814.79 | C | View Lobby Hours | |
| 818.29 | D | View Lobby Hours | |
| 819.79 | E | View Lobby Hours | |
| 820.67 | F | View Lobby Hours | |
| 820.99 | G | View Lobby Hours | |
| 821.84 | H | View Lobby Hours | |
| 822.19 | I | View Lobby Hours | |
| 823.03 | J | View Lobby Hours | |
| 823.14 | K | View Lobby Hours | |
| 824.28 | L | View Lobby Hours | |
| 825.48 | M | View Lobby Hours | |
| 825.87 | N | View Lobby Hours | |
| 827.42 | O | View Lobby Hours | |
| 827.87 | P | View Lobby Hours | |
| 828.86 | Q | View Lobby Hours | |
| 828.93 | R | View Lobby Hours | |
| 829.30 | S | View Lobby Hours | |
| 830.56 | T | View Lobby Hours | |
| 830.94 | U | View Lobby Hours | |
| 831.52 | V | View Lobby Hours | |
| 832.11 | W | View Lobby Hours | |
| 833.15 | X | View Lobby Hours | |
| 835.47 | Y | View Lobby Hours | |
| 835.52 | Z | View Lobby Hours |
Climate Policy and Initiatives
VYSTAR is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 10.07% | 6.86 |
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 31, 2025, Vystar had $120,069,289 in non-current loans and $4,489,347 in owned assets. To cover these potential losses it had $1,186,710,383 in net worth and $49,748,761 in loans loss reserves. That gives it a Texas Ratio of 10.07%.
Net Worth
| Vystar | U.S. Average |
|---|---|
| 8.44% | 14.12% |
Vystar FCU has a net worth of 8.44% versus the BestCashCow average of 14.12. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Vystar
Sharon
August 8, 2023 |
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. Not a good look and I don't recall this being divulged in advance.
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....
Is this review helpful? Yes:0 / No: 0
Robin
March 22, 2023 |
Vystar changed there computer system and was done for weeks. That was a year ago and still have problems. You had to wait in line to do your on line banking
Is this review helpful? Yes:0 / No: 0
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