VYSTAR
76 S Laura St
Jacksonville, FL 32202
See all branch locations →
Phone 1-904-777-6000
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
Deposit Rates - October 23, 2020
Your Current Location: Virginia, VA 20146
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
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 | |
|---|---|---|---|---|
| Var IRA
|
0.26% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.10% | $1 | $99 | Learn More |
| Int Ckg
|
0.10% | $2,500 | $3,499 | Learn More |
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 Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 3030 |
3.746% | 3.625% | 1.00 | $3,750 | $1,141 | Learn More |
NMLS ID: 2890 License#: MC-3098 |
2.575% | 2.500% | 1.00 | $2,470 | $988 | Learn More |
|
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 See Table |
2.240 %
|
$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.
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:
Ashburn,Virginia
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.
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 home equity lines of credit and home equity loans?
Compare home equity lines of credit rates here.
There are currently no comments for Vystar. Be the first to share your experience. Please provide comments that will help others.
Add Your Review