It is the second-largest credit union headquartered in Florida, and ranked 13th-largest nationwide, with over $13 billion in assets and 800,000 members.
VyStar Credit Union was founded as the Jax Navy Federal Credit Union in 1952 to serve military, civil servants, and families stationed at Naval Air Station Jacksonville.
The membership is available to past, and present members of the military, and their families. The banking transactions can be carried out using VyStar Credit Union online banking or the mobile app. But, you can also contact a customer service agent.
With VyStar Credit Union, you have access to low-cost financial services, and high-interest rates, and more. Let’s check out VyStar Credit Union products.
VyStar Credit Union Checking Accounts
VyStar Credit Union has several checking account options, which all have no monthly service fee and no minimum opening deposit required. It receives a dividend of 0.00% on balances over $50.
In addition, you have access to the following service at no cost.
- Stop payments
- Find Transfer
- Official checks
- Non-stop check writing
- Incoming wire transfer
Aside from the normal checking account, there is a customized checking account available to teens, and senior that best fit their needs.
Every checking holder enjoys free ATM withdrawals at over 20,000 ATMs in retail stores nationwide like, Walgreens, CVS, Costco, and Target. There’s an overdraft fee of $32.
You can monitor your account balance and other transactions with the mobile app. Also, avoid overdrawing your account by pushing the balance notification.
VyStar Credit Union Savings Account
You need $5 to open a VyStar Credit Savings Account. You can use it to save goals and set up an overdraft backup account.
VyStar Credit Union also has an option for your kids, the Kids Club account. Plus Holiday account, to save up for Christmas. You will get 0.00% APY on your balance if you have a minimum of $50 in your account. There’s no monthly fee service.
VyStar Credit Union Money Market Account
For the bulk of your savings, you can consider a money market. With VyStar Credit Union Money Market, you have access to the highest dividend available even when you are still writing checks and paying bills.
In this account, a minimum balance is not required to open it. But, to be a member of the credit union, and for you to be able to access VyStar’s stellar money market account, you will have to maintain a savings account.
You get 0.20% to 0.40% APY as a result of your account balance.
VyStar Credit Union CD Rates
VyStar Credit Union offers CDs account that helps you lock your money for a fixed set of times and you can’t deposit or withdraw without a fine.
The account terms are three to 120 months and an 18-month Step Up Certificate plus a $500 minimum investment. The certificate is special. You can keep making a deposit of $2,000 or more within the 18-month term to increase your savings.
Noted that in respective of your CDs type, you get between 0.25% to 1.10% APY as a result of the term you pick and the amount deposited.
Mobile and Digital Experience
VyStar Credit Union has mobile banking app that helps you manage your account anytime, check balances, pay bills, and mobile deposits. But, VyStar is still working to improve the mobile banking experience.
Your account and information are secure on VyStar Credit Union. They do this by making use of multi-factor authentication (MFA), timed log-out, encryption and firewalls.
However, apart from mobile banking, you can make do with online banking platforms. As a result of the reviews, the online platforms as proven to be reliable.
How To Open an Account
If you want to open VyStar Credit Union Account, you have to first sign up for membership online, on phone, or visit a branch. The membership is made available to military personnel and their families, and people who live and work in Florida and Southeast Georgia.
Once you have gotten membership approval, you can open a savings account with a minimum of $5. You will need the following information.
- Email Address
- Government-issued photo ID
- Social Security number
- Bank and routing number for the first deposit
How To Enroll in Online Banking
If you want to register for online banking, the process is simple. Follow the steps below
- Go to the website
- Click on Enroll in Online Banking
- Enter your Membership details
- Accept the terms of service
- Create a new Username and Password
- Verify your identity with a one-time passcode
- Then, go to the Dashboard
- If you are a mobile app user, you will have to do your Biometrics
How To Log In to Your VyStar Credit Union Account From a Computer
You can log in to your VyStar credit union account from your computer. Use the guide below.
- Go to https://www.vystarcu.org/
- Select login
- Enter your username and password
- Then, click on Login
How To Log In to Your VyStar Credit Union Account From a Mobile Phone or Tablet
VyStar mobile app is available on your iPhones, Android devices, and Amazon Kindles devices. To log in is easy. Use the guide below.
- Download and launch the app
- Enter your username and password
- Choose how you want to get the access code, via text message or phone call
- Activate your account
How To Retrieve a Forgotten Username or Password
In case you forgot your username or password, you can reset them. Use the guide below to get it done.
- Go to the login page
- Select “Forgot your password”
- Enter your username and date of birth in the space provided
- Select Next and follow the prompts to set your password
- Go to the login page
- Select “Forgot your username”
- Enter your Social Security Number or employer identification Number, name, and any of the information below:
- Member Number
- Primary savings account Number
- Debit card Number (last six digits)
- Select submit and continue. Follow the instructions on the screen to retrieve your username
How To View Your VyStar Statement Information
You can view your VyStar Statement using the mobile app or online banking platform. All you need to do is to log in to your account and select the account statement you want to view. But you can also get electronic statements. Here’s how to do it
- Log in to your VyStar online account
- Click on “Settings/Service.”
- Select “View e-Statements.”
- Then, select “Accept” on the e-statement agreement
You will receive an email anytime your new statements are ready.
How To Contact VyStar If You Have Trouble With Your Account
You can contact the following VyStar number if you have any issues with your account. These numbers depend on where you reside.
- Jacksonville, Florida: 904-777-6000
- Counties in the 386 area code: 386-239-1000
- Anywhere else in the U.S.: 800-445-6289
VyStar’s call center is available seven days a week from 7 a.m. to 7 p.m. Eastern time, except on holidays.
Frequently Asked Questions
Does VyStar Credit Union offer free money for signing up for an account?
VyStar Credit Union does not have any cash benefit when you sign up at this time.
How long do VyStar Credit Union deposits take to clear?
VyStar generally makes check and cash deposits available on the same business day the deposit was received.
Can you open up a VyStar account online?
You can apply for VyStar membership online, at a branch, or by mail.
Does VyStar have monthly fees?
There is no monthly fee for your VyStar free checking account, and these additional services are also free: Writing checks. Getting a debit or ATM card.