Vystar Credit Union
76 S Laura St
Jacksonville, FL 32202
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Phone 1-904-777-6000
2022 Overview
General Credit Union Information
Vystar is an NCUA insured institution located in Jacksonville, FL. It was founded in 1952 and has approximately $11652.15 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 | $11,652.15 million |
| Loans | $7,978.98 million |
| Deposits | $10,542.40 million |
| Capital | $960.37 million |
Field of Membership Restrictions
Deposit Rates - May 17, 2022
Your Current Location: Connecticut, CT 06828
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $50 | - |
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|
|
Money Market
|
0.20% | $2,500 | $2,999 |
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|
|
Money Market
|
0.20% | $10,000 | $14,999 |
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|
|
Money Market
|
0.40% | $100,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.30% | $500 | - |
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|
| 6 Mo CD
|
0.40% | $50,000 | - |
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|
| 12 Mo CD
|
0.45% | $500 | - |
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|
| 12 Mo CD
|
0.55% | $50,000 | - |
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|
| 18 Mo CD
|
0.50% | $500 | - |
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|
| 18 Mo CD
|
0.60% | $50,000 | - |
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|
| 24 Mo CD
|
0.60% | $500 | - |
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|
| 24 Mo CD
|
0.70% | $50,000 | - |
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|
| 30 Mo CD
|
0.70% | $500 | - |
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|
| 30 Mo CD
|
0.80% | $50,000 | - |
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|
| 36 Mo CD
|
0.80% | $500 | - |
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|
| 36 Mo CD
|
0.90% | $50,000 | - |
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|
| 48 Mo CD
|
0.90% | $500 | - |
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|
| 48 Mo CD
|
1.00% | $50,000 | - |
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|
| 60 Mo CD
|
1.00% | $500 | - |
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|
| 60 Mo CD
|
1.10% | $50,000 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.26% | $1 | - | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.10% | $1 | $99 | Learn More |
Loan Rates - May 17, 2022
Your Current Location: Connecticut, CT 06828
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 - Connecticut 30 Year Fixed Mortgage Rates 2022
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 3030 |
6.013% | 5.875% | 1.00 | $3,750 | $1,479 | Learn More |
NMLS ID: 3030 |
5.990% | 5.875% | 0.75 | $3,125 | $1,479 | Learn More |
NMLS ID: 503941 |
5.286% | 5.200% | 1.00 | $2,418 | $1,373 | Learn More |
NMLS ID: 424182 |
5.187% | 5.125% | 0.75 | $1,745 | $1,362 | Learn More |
Featured - Connecticut Home Equity Line Of Credit Rates 2022
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Bethpage Federal Credit Union See Table |
Intro APR 3.490 % After Intro: 4.500 % Intro Period: 12 months |
$25,000 |
Learn More
More Info |
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:
Fairfield,Connecticut
Climate Initiatives
VYSTAR is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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 |
|---|---|
| 5.24% | 4.85 |
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 December 31, 2021, Vystar had $52,261,564 in non-current loans and $905,966 in owned assets. To cover these potential losses it had $960,365,003 in net worth and $54,131,157 in loans loss reserves. That gives it a Texas Ratio of 5.24%.
Net Worth
| Vystar | U.S. Average |
|---|---|
| 8.57% | 12.36% |
Vystar FCU has a net worth of 8.57% versus the BestCashCow average of 12.36. 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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