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Vystar Credit Union Rates & Review March 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated: March 28, 2026

You can compare Vystar Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.30%, 6-month share certificate rates at 0.10% and 3-month share certificate rates at 2.78%. Savings rates are at 0.10% and money market rates are at 1.56%. Mortgage rates on 30-year fixed loans are around 6.03%. All these rates can be compared to Vystar Credit Union rates. MonitorBankRates evaluates the financial stability of Vystar Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.78%. Rates were last updated on 03/28/2026.

Vystar Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Vystar Credit Union? Share your experience about Vystar Credit Union by leaving a review below, or read customer reviews before you decide to use Vystar Credit Union.

Overall Health & Safety Grade ?
A
Excellent Health Score: 94/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
11.78%
Excellent Higher than avg
Vystar Credit Union
Corporate Office (VyStar Tower)
76 S Laura St
Jacksonville, FL 32202 3433
https://www.vystarcu.org
Member NCUA

Current Rate Availability

We do not have Vystar Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Vystar Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Vystar Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Vystar Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Vystar Credit Union
Website https://www.vystarcu.org
Address 76 S Laura St, Jacksonville, FL 32202 3433
Phone 904-777-6000
Fax
President Phillip (Kem) Siddons
CEO Brian Wolfburg
Full-Time Employees 2,295
Part-Time Employees 4
Branch Locations 98
ATM Locations 85
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
11.78%
Return on Assets (ROA)
0.2957%
Return on Equity (ROE)
3.3805%
Non-Performing Loans Ratio (NPL)
1.40%
Total Assets
13,900,840,817
Total Amount of Shares and Deposits
11,065,114,244
Total Shares and Deposits < 1 Year
9,994,476,550
Total Shares and Deposits 1 3 Years
997,496,457
Total Shares and Deposits > 3 Years
73,141,237
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
756,975,410
Total Uninsured Shares and Deposits > $250K (F+J)
757,126,878
Total Insured Shares and Deposits > $250K (item 17 less item K)
10,307,987,366
Total Interest Expense (Sum of items 6 8)
185,030,403
Share Certificates
71,875
Number of Accounts for Share Drafts
725,829
IRA KEOGH Accounts
29,196
Number of Accounts for Regular Shares
1,148,302
All other shares
21,386
Non Member Deposits
2,037
Money Market Shares
72,536
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
616,776,591
Total Liabilities
13,088,355,631
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

QvpF
★★★★★
December 17, 2025
KtdY
Average Rating
★★★★★
Total Reviews
1
Add Your Rating and Review for Vystar Credit Union
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Frequently Asked Questions About Vystar Credit Union

Is Vystar Credit Union a safe place to deposit money?

Yes, Vystar Credit Union is considered a safe financial institution. With a Texas Ratio of 11.779713079098%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Vystar Credit Union operate?

Vystar Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Vystar Credit Union?

Yes, to access services at Vystar Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Vystar Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Vystar Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Vystar Credit Union offer online and mobile banking?

Most modern institutions like Vystar Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.vystarcu.org.

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