Vystar Credit Union


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

Phone 1-904-777-6000

Notable Rates APY Vs.Others
Savings 0.10% 4.10% →
1-Year CD 1.35% 4.71% →
2-Year CD 1.75% 4.65% →
5-Year CD 2.40% 4.75% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 1.93% →

2022 Overview

General Credit Union Information

Vystar is an NCUA insured institution located in Jacksonville, FL. It was founded in 1952 and has approximately $13028.98 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 $13,028.98 million
Loans $8,713.66 million
Deposits $10,963.38 million
Capital $1,196.82 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 - December 9, 2022

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $50 - Learn More
Money Market
1.25% $2,500 $2,999 Learn More
Money Market
1.25% $10,000 $14,999 Learn More
Money Market
1.25% $100,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
2.65% $500 - Learn More
6 Mo CD
2.65% $50,000 - Learn More
12 Mo CD
1.25% $500 - Learn More
12 Mo CD
1.35% $50,000 - Learn More
18 Mo CD
1.45% $500 - Learn More
18 Mo CD
1.55% $50,000 - Learn More
24 Mo CD
1.65% $500 - Learn More
24 Mo CD
1.75% $50,000 - Learn More
30 Mo CD
1.75% $500 - Learn More
30 Mo CD
1.85% $50,000 - Learn More
36 Mo CD
1.95% $500 - Learn More
36 Mo CD
2.05% $50,000 - Learn More
48 Mo CD
2.15% $500 - Learn More
48 Mo CD
2.25% $50,000 - Learn More
60 Mo CD
2.40% $500 - Learn More
60 Mo CD
2.40% $50,000 - Learn More
Variable IRA Rates APY MIN MAX
0.26% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 $99 Learn MoreShow Less

Loan Rates - December 9, 2022

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 2022

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
7.905% 7.750% 1.00 $3,750 $1,792 Learn More
Northpointe Bank
NMLS ID: 447490
5.823% 5.750% 0.75 $1,998 $1,459 Learn More
NMLS ID: 1907
6.438% 6.250% 1.00 $5,000 $1,540 Learn More
PenFed Credit Union
NMLS ID: 401822
5.944% 5.875% 0.75 $1,875 $1,479 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
6.490 %
After Intro: 7.500 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
6.240 %
$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.

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Vystar Locations

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
6.36% 4.24

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, 2022, Vystar had $78,448,951 in non-current loans and $843,720 in owned assets. To cover these potential losses it had $1,196,816,108 in net worth and $49,068,425 in loans loss reserves. That gives it a Texas Ratio of 6.36%.

Net Worth
Vystar U.S. Average
9.87% 12.40%

Vystar FCU has a net worth of 9.87% versus the BestCashCow average of 12.40. 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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