Credit union · NCUA insured
VyStar Credit Union
A $13.8B credit union, the 18th largest of 4,329, headquartered in Jacksonville, FL, with 1.06 million members and 98 branches in 2 states. Best rates: CDs 4.15% and savings 1.00% APY.
VyStar Credit Union Carrot Score
83
Carrot Score
Higher than 61% of U.S. banks and credit unions
#13 of 29 in Jacksonville, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About VyStar Credit Union
- Headquarters
- 76 S Laura St, Jacksonville, FL 32202-3433
- NCUA charter
- 68490
Branches
98 branches in 2 states
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Florida
90 branches
Jacksonville area · 52
- Corporate Office (VyStar Tower)Main office76 S Laura St, Jacksonville, FL 32202Directions
- 135-Callahan542277 US Highway 1, Callahan, FL 32011Directions
- 409-West Nassau High School1 Warrior Dr, Callahan, FL 32011Directions
- 117-Fernandina Beach1900 S 14th St, Fernandina Beach, FL 32034Directions
- 416-Fernandina High School435 Citrona Dr, Fernandina Beach, FL 32034Directions
- 130-Green Cove Springs601 N Orange Ave, Green Cove Springs, FL 32043Directions
- 415-Clay High School2025 State Road 16 W, Green Cove Springs, FL 32043Directions
- 101-Nas Jax6801 Roosevelt Blvd, Building 39, Jacksonville, FL 32212Directions
- 103-Roosevelt4420 Wabash Ave, Jacksonville, FL 32210Directions
- 107-Southside8263 Philips Hwy, Jacksonville, FL 32256Directions
- 108-103rd Street7795 103rd St, Jacksonville, FL 32210Directions
- 110-Mandarin11343 San Jose Blvd, Jacksonville, FL 32223Directions
- 111-Regency Commons686 Commerce Center Dr, Jacksonville, FL 32225Directions
- 112-Arlington7802 Atlantic Blvd, Jacksonville, FL 32211Directions
- 114-Northside1831 Dunn Ave, Jacksonville, FL 32218Directions
- 120-Downtown76 S Laura St, Jacksonville, FL 32202Directions
- 121-Kernan1802 Kernan Blvd S, Jacksonville, FL 32246Directions
- 122-Beaches & 295E11674 Beach Blvd, Jacksonville, FL 32246Directions
- 123-Normandy7765 Normandy Blvd, Jacksonville, FL 32221Directions
- 124-Julington Creek101 Bartram Oaks Walk, Jacksonville, FL 32259Directions
- 126-Oakleaf8425 Merchants Way, Jacksonville, FL 32222Directions
- 136-Oceanway13075 N Main St, Jacksonville, FL 32218Directions
- 140-Baymeadows & 295E10903 Baymeadows Rd, Jacksonville, FL 32256Directions
- 141-Chaffee Pointe560 Chaffee Point Blvd, Jacksonville, FL 32221Directions
- 144-Riverside760 Riverside Ave, Jacksonville, FL 32204Directions
- 151-Springfield1700 N Main St, Jacksonville, FL 32206Directions
- 160-San Marco1600 Hendricks Ave, Jacksonville, FL 32207Directions
- 165-Bartram Park13680 Old Saint Augustine Rd, Jacksonville, FL 32258Directions
- 401-Bartram Bear High School7399 Longleaf Pine Pkwy, Jacksonville, FL 32259Directions
- 404-Wolfson High School7000 Powers Ave, Jacksonville, FL 32217Directions
- 411-First Coast High School590 Duval Station Rd, Jacksonville, FL 32218Directions
- 412-Mandarin High School4831 Greenland Rd, Jacksonville, FL 32258Directions
- 419-Riverside High School1200 McDuff Ave S, Jacksonville, FL 32205Directions
- 118-Macclenny1168 S 6th St, Macclenny, FL 32063Directions
- 113-Middleburg2762 Blanding Blvd, Middleburg, FL 32068Directions
- 146-Branan Field Plantation1768 Blanding Blvd, Middleburg, FL 32068Directions
- 410-Middleburg High School3750 County Road 220, Middleburg, FL 32068Directions
- 153-Neptune Beach1307 Atlantic Blvd, Neptune Beach, FL 32266Directions
- 413-Fletcher High School700 Seagate Ave, Neptune Beach, FL 32266Directions
- 105-Orange Park182 Blanding Blvd, Orange Park, FL 32073Directions
- 115-Eagle Harbor1755 Eagle Harbor Pkwy, Orange Park, FL 32003Directions
- 403-Fleming Island High School2233 Village Square Pkwy Rm 66, Orange Park, FL 32003Directions
- 406-Orange Park High School2300 Kingsley Ave, Orange Park, FL 32073Directions
- 143-Ponte Vedra212 Ponte Vedra Park Dr, Ponte Vedra Beach, FL 32082Directions
- 147-Nocatee100 Village Lake Dr, Ponte Vedra Beach, FL 32081Directions
- 138-Cr2101955 County Rd 210 W, Saint Johns, FL 32259Directions
- 119-St Augustine165 State Road 312 W, St. Augustine, FL 32086Directions
- 145-Murabella849 Verona Way, St. Augustine, FL 32092Directions
- 154-St. Augustine North3654 N Ponce De Leon Blvd, St. Augustine, FL 32084Directions
- 402-Pedro Menendez High School600 State Road 206 W Rm 422, St. Augustine, FL 32086Directions
- 152-Yulee463775 State Road 200, Yulee, FL 32097Directions
- 414-Yulee High School85375 Miner Rd, Yulee, FL 32097Directions
Orlando area · 10
- 191-Altamonte Springs151 N State Road 434, Altamonte Springs, FL 32714Directions
- 173-Lake Mary4699 W Lake Mary Blvd, Lake Mary, FL 32746Directions
- 166-Mount Dora18200 US Highway 441, Mount Dora, FL 32757Directions
- 168-Downtown Orlando (branch)1 S Orange Ave, Orlando, FL 32801Directions
- 190-Lake Nona12251 Narcoossee Rd, Orlando, FL 32832Directions
- 164-Oviedo3055 Alafaya Trl, Oviedo, FL 32765Directions
- 163-Sanford251 W 1st St, Sanford, FL 32771Directions
- 170-Winter Garden14130 W Colonial Dr, Winter Garden, FL 34787Directions
- 204-Hamlin5026 Hamlin Groves Trl, Winter Garden, FL 34787Directions
- 179-Winter Park605 N Orlando Ave, Winter Park, FL 32789Directions
Deltona area · 8
- 155-Daytona Beach1040 W International Speedway Blvd, Daytona Beach, FL 32114Directions
- 158-Deland1517 N Woodland Blvd, DeLand, FL 32720Directions
- 156-Orange City960 Saxon Blvd, Orange City, FL 32763Directions
- 149-Ormond Beach1301 W Granada Blvd, Ormond Beach, FL 32174Directions
- 127-Palm Coast305 Palm Coast Pkwy SW, Palm Coast, FL 32137Directions
- 167-Flagler Beach2550 Moody Blvd, Palm Coast, FL 32137Directions
- 407-Matanzas High School3535 Old Kings Rd N, Palm Coast, FL 32137Directions
- 150-Port Orange750 Dunlawton Ave, Port Orange, FL 32127Directions
Gainesville area · 3
- 159-Alachua16201 NW US Highway 441, Alachua, FL 32615Directions
- 129-Gainesville3616 SW 34th St, Gainesville, FL 32608Directions
- 502-Gainesville 43rd2810 NW 43rd St, Gainesville, FL 32606Directions
Palm Bay area · 3
- 176-Melbourne6435 N Wickham Rd, Melbourne, FL 32940Directions
- 420 - Melbourne High School74 Bulldog Blvd, Melbourne, FL 32901Directions
- 171-Titusville1809 Cheney Hwy, Titusville, FL 32780Directions
Tallahassee area · 3
- 169-Tallahassee1814 W Tennessee St, Tallahassee, FL 32304Directions
- 172-Tallahassee-Mahan Drive3208 Mahan Dr, Tallahassee, FL 32308Directions
- 177-Tallahassee-Capital Circle3398 Capital Cir NE, Tallahassee, FL 32308Directions
Ocala area · 2
- 418-Belleview High School10400 SE 36th Ave, Belleview, FL 34420Directions
- 161-Ocala4602 SW College Rd, Ocala, FL 34474Directions
Palatka area · 2
- 125-Palatka510 S State Road 19, Palatka, FL 32177Directions
- 408-Palatka High School302 Mellon Rd, Palatka, FL 32177Directions
Starke area · 2
- 131-Starke1450 S Walnut St, Starke, FL 32091Directions
- 417-Bradford High School581 N Temple Ave, Starke, FL 32091Directions
Wildwood area · 2
- 175-Villages Oxford3340 Wedgewood Ln, The Villages, FL 32162Directions
- 162-The Villages5857 Seven Mile Dr, Wildwood, FL 34785Directions
Lake City area · 1
- 134-Lake City411 NW Commons Loop, Lake City, FL 32055Directions
Perry area · 1
- 505-Perry2000 S Byron Butler Pkwy, Perry, FL 32348Directions
Steinhatchee area · 1
- 506-Steinhatchee913 1st Ave SE, Steinhatchee, FL 32359Directions
Georgia
8 branches
Atlanta area · 5
- 183-Marietta, GA155 N Marietta Pkwy NE, Marietta, GA 30060Directions
- 194-Peachtree Corners5125 Peachtree Pkwy, Norcross, GA 30092Directions
- 178-Smyrna, Georgia4575 S Cobb Dr SE, Smyrna, GA 30080Directions
- 185-Stockbridge, GA980 Eagles Landing Pkwy, Stockbridge, GA 30281Directions
- 180-Suwanee3838 Johns Creek Pkwy, Suwanee, GA 30024Directions
Brunswick area · 1
- 186-Brunswick86 Golden Isles Plz, Brunswick, GA 31520Directions
Savannah area · 1
- 182-Savannah, GA477 Johnny Mercer Blvd, Savannah, GA 31410Directions
Thomasville area · 1
- 174-Thomasville13621 US Highway 19 S, Thomasville, GA 31792Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.93% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.25% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.49% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $96 | $88 | — |
- CapitalNet worth ratio8.93%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.25%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.49%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$96Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of VyStar Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.