Vystar Credit Union

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A short history of Vystar CU

Since its inception in 1952 the Vystar Credit Union has been serving its members in the JACKSONVILLE, Florida area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Kathryn Bonaventura, the Vystar CU has grown its membership to over 567,452 with assets of more than $6,880,905,228. They have a main office and 57 branch offices. Please see the credit unions website or contact them by phone at (904) 777-6000 or email them at info@vystarcu.org to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in JACKSONVILLE, FL.

General Information For Vystar CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 68490
Address 4949 BLANDING BLVD 
State Florida 
Zip-Code 32210
Phone Number (904) 777-6000
Fax Number () -
Email Address: info@vystarcu.org
CEO/President Kathryn Bonaventura
Members 567,452 
Full-Time Employees 1,244 
Part-Time Employees 17 
Number of Branch Offices 57 
Total Assets 6,880,905,228 
Website http://www.vystarcu.org 

Compare Vystar Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
First Coast CU First Coast Federal CU 3040 Edison Ave 32254 (904) 387-5660 No 4.25
Jax CU Atlantic Beach Branch 801 Atlantic Blvd 32232 (904) 475-8000 No 5.37
Community First Credit Union Of Flo CU Arlington 7676 Merrill Rd 32277 (904) 354-8537 No 6.38
First Florida CU Blairstone Branch 2521 Blairstone Rd 32301 (850) 414-7290 No 6.85
Coastline CU Soutside 4651 Emerson St 32207 (904) 346-1700 No 8.10

Vystar Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Vystar Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.90 3.22 4.54 3.63 5.38
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 243 171 269 86 276
Rank Among All Florida Credit Unions 24 35 38 10 34

Vystar Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.10 0.25 0.46 0.91 0.99
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 116 95 66 189 161
Rank Among All Florida Credit Unions 11 8 8 28 14
Vystar Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.900123,567345,599,566
All Other Unsecured Loans/Lines of Credit 13.98054,269136,367,769
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.22045,2401,031,158,938
Used Vehicle Loans 4.54048,149666,987,780
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.63019,9242,255,108,253
Total Other Real Estate Loans/Lines of Credit 5.3807,605244,086,095
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.3708,830126,400,419
TOTAL LOANS & LEASES 307,5844,805,708,820

Vystar Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 6,552855,191,1661,070160,683,750
    b. 15 Years or less 10,918918,253,09774685,782,800
    a. > 15 years 379160,705,9774519,945,125
    b. 15 Years or less 8838,839,24400
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 1,987282,118,76926531,559,140
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 2,42174,878,8481736,627,350
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 5,184169,207,24749612,054,053
Open-End Fixed Rate 0000
TOTALS 27,5292,499,194,3482,795316,652,218


Interest Only & Payment Option 1st Mortgage Loans 4809,7920
Interest Only & Payment Option Other RE/LOC Loans 1,19467,248,3066,846,678
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Vystar Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay No
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing Yes
Money Orders No
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes