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VyStar Credit Union Review: What They Offer

VyStar_Credit_Union_LogoThe VyStar Credit Union provides an alternative for consumers who prefer member-owned establishments to traditional banking institutions. VyStar has been in business since 1952, and the company offers a wide range of financial products to consumers in Northeast Florida and beyond.

To apply for VyStar Credit Union membership, a consumer has to reside within the list of eligible counties. Businesses that operate in such counties may qualify for membership, as well. Qualified relatives of people who live in the designated counties can obtain membership regardless of their whereabouts. Some of the Floridian counties that VyStar services are Duval, Nassau, Clay, Columbia, Marion, Bradford, Putnam and more.

Checking and Savings Accounts

VyStar offers several checking and savings accounts for its members. All Vystar checking accounts offer benefits such as interest payments, no monthly fees, and no minimum balance requirements. The company also issues Visa check cards and ATM cards to its members. Additionally, bill payment options and online account access are free and convenient amenities. VyStar’s savings accounts offer competitive interest rates so that members can earn additional monies as they pad their savings. Account holders can use their savings accounts as overdraft protection for their checking accounts, as well.

Credit Cards

VyStar has its own brand of credit cards for which members can apply. Their line of cards offer a wealth of benefits such as interest-free grace periods, no annual fees, low monthly payments, cash rewards, cash advances, security protection, online payments and more. Furthermore, VyStar uses advanced technology and issues cards that use secure microprocessors.

Dental Plans

VyStar has an arrangement with DeltaCare USA to provide its members with affordable dental coverage. The plans offer access to a large network of dental specialists and price packages that can fit any budget.

Affordable Auto Loans

VyStar members have access to a variety of affordable auto loans. Individuals who would like to purchase new or used vehicles can apply for assistance online. The application costs nothing, and the terms are highly flexible. Members can receive 100 percent financing for regular vehicles, ATVs, classic cars, boats, recreational vehicles and motorcycles.

Business Loans

Small businesses that join VyStar’s credit union will have access to business funding. The company offers business lines of credit for up to $100,000. Businesses can apply for VyStar’s business credit cards, as well. The business credit cards offer credit lines of up to $50,000 and conveniences such as highly competitive interest rates.

Home Loans and Refinancing

VyStar has a wealth of products for its homeowners and prospective homeowners. Interested members can pre-qualify for home refinancing and first time mortgages through a simple online application process. Specialists can assist a member with buying a home, selling a home, or obtaining proceeds for a new home venture.

A Variety of Insurance Products

VyStar members can obtain various types of insurance coverage to ease their minds about their belongings. Members can apply for auto insurance, homeowner’s insurance, business insurance or traveler’s insurance.

Mechanical Breakdown Vehicle Warranties

VyStar Credit Union offers special vehicle warranties to members who desire extra protection. Regular vehicle insurance offers policyholders coverage for theft, collisions, bodily injuries, vandalism and the like. However, VyStar can connect a member with a reliable warranty that can save him or her hundreds of dollars on mechanical repairs. A member can apply for coverage through InterContinental Warranty services for assistance.

VyStar Credit Union has an overall consumer rating of four stars from its members. Consumers speak highly of VyStar’s fees and customer service quality. Additionally, customers attest to VyStar’s willingness to back their members in security breach situations. Furthermore, VyStar has an A+ rating with the Better Business Bureau. This long-standing credit union offers an unmatched amount of convenient products and services, and its reputation is strong within the market.

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