Thanksgiving All VyStar offices will be closed on November 25th. Close Alert LOG IN Current Promotions Discover our limited-time offers and member-exclusive deals. Open an Account 0% APR on Credit Card Balance Transfers When you get a new VyStar Visa® Signature credit card or VyStar Visa® Platinum credit card and transfer a balance from a non-VyStar card within 60 days, you’ll get 0% APR for 12 months. And there’s no balance transfer fee. Learn More Low and No Down Payment Mortgages When you get a VyStar mortgage, we’ll pay up to $5,000 in closing costs or you can choose a 0.25% rate discount*. Just apply online or give us a call at 904-777-6000 or 800-445-6289, option 3 to get started. Apply Now More Details Get Your Paycheck up to Two Days Early. Wait less and get your money faster. Use your checking or savings account with an eligible direct deposit and get your funds up to two days earlier. Get Started Today 100% Financing for Business Vehicles We'll finance up to 100% of a new vehicle's purchase price, including tax and license, as well as 100% of a used vehicle's retail Blue Book value. No down payment means more capital for your operating expenses. To apply, call us at 904-908-2292 or 800-445-6289, ext. 2292 or visit a branch. Apply NowLearn More Open an Account Call 904-777-6000 Visit a Branch APR=Annual Percentage Rate and is current as of April 1, 2021. Rate on unpaid balances returns to standard variable or non-variable APR (currently 9.10–13.50% APR) twelve (12) billing cycles after completion date of the balance transfer. All loans subject to approval and actual rate may vary and is based on an evaluation of the individual’s credit history. Programs, rates and terms are subject to change at any time without notice. Certain restrictions apply. Balance transfers and cash advances do not earn rewards points or cash back. Business and Savings Secured VISA cards are not eligible for this promotion. *Disclaimer: Certain restrictions and limitations apply. All loans are subject to credit approval. Closing Costs OR 0.25% Rate Discount offer available only when obtaining a VyStar Credit Union First Mortgage Loan. It is not available on Loans $50K and under, Land, Investment, and FHA Mortgages. Available for purchase or refinance. VyStar will pay borrower closing costs up to a maximum amount of $5,000 excluding origination fee and/or discount points, private mortgage insurance, condo document fees, homeowners association fees, home inspections, costs related to deed changes, prepaid funds for homeowners and/or taxes, prepaid interest or funds to establish the member’s homeowners and/or property taxes escrow account. If the borrower pays off the mortgage within the first 36 months, they will be required to reimburse VyStar for a portion of the closing costs paid by VyStar. Offer available for a limited time and subject to change without notice. ©2021 VyStar Credit Union. All loans are subject to credit approval, verification, and collateral evaluation, if applicable. All owners are required to give a full personal guarantee. Certain restrictions may apply. All credit union programs, services, rates terms and conditions are subject to change at any time. During the process of your loan application, additional documentation may be requested at any time regardless of credit, length or business, or loan amount. APR = Annual Percentage Rate **With approved credit. Some restrictions apply. While supplies last. Promotion valid September 1—30, 2021. Purchase loans only with ratified sales contracts. Must complete the application process for a mortgage loan by September 30, 2021. Prize will be distributed after loan closing. Member is solely responsible for all taxes and reporting consequences associated with the receipt of the gift given. PERSONAL Bank Borrow Invest Insure Rates Resources BUSINESS Bank Borrow Business Services Resources Business Loan & Deposit Rates WHY JOIN How to Join Member Benefits Credit Unions vs. Banks WHO WE ARE Our Vision Our Community Work With Us Locations Newsroom Promotions Branch Artwork Senior Leadership VyStar Credit Union P.O. Box 45085 Jacksonville, FL 32232 Contact Us 904-777-6000 800-445-6289 Member support: Personal Member support: Business Routing Number: 263079276 WORK WITH US DISCLOSURES PRIVACY SECURITY ACCESSIBILITY All new accounts are subject to approval. Product offers, terms and other information provided herein are subject to change without notice. Due to the occasional inaccessibility to our web site which may be beyond our control, VyStar cannot guarantee the completeness or accuracy of the information provided herein. The information provided to you on our calculators is estimated and provided solely for your interactive enjoyment. The results are not guaranteed to be accurate. To verify current offers and rates, please call 904-777-6000 or 800-445-6289. VyStar Credit Union does business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.