VyStar Credit Union Review 2022
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VyStar could be a great option for Floridians and Georgians in select counties looking for a low-cost banking experience with a range of accounts.
Highlights
- Free Checking
- Low Fees
- Low Min Deposit
Overall
VyStar Credit Union is northeast Florida’s largest credit union offering various deposit accounts and services to hundreds of thousands of members.
Pros
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The free checking account pays interest and comes with extra benefits.
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Minimum deposit and balance requirements overall are low.
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The credit union charges no monthly service fees or in-network ATM fees.
Cons
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Membership is mostly limited to Florida residents and residents in parts of Georgia.
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Yields are low relative to what you can earn at other institutions.
VyStar Credit Union bank products
VyStar Credit Union savings overview
The account’s APY is better than what you’ll find at most big banks, but you can find much higher yields — especially at online banks — if you shop around.
Pros
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The minimum deposit to open the account and earn interest is low.
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There’s no monthly service fee.
Cons
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The yield is low compared to what other institutions offer.
Bank experience
VyStar Credit Union has more than 50 full-service branches. In addition to more than 200 ATMs in Florida, there’s access to more than 20,000 surcharge-free ATMs across the United States, Mexico and Canada. Some ATMs are available at retailers such as CVS Pharmacy, Target and Walgreens.
Branch hours vary by location. Representatives are available through the contact center every day. Members can also contact the credit union through the live chat feature on its website.
Members can use the credit union’s mobile app and take advantage of capabilities like Zelle and account alerts. Account holders can use touch ID or fingerprint recognition to get into the VyStar mobile app. There’s also a VyStar card control app that members can use to manage access to their debit cards.
About VyStar Credit Union
VyStar is headquartered in Jacksonville, Florida, and today has more than 775,000 members. Membership is open to local residents who live or work in 49 Florida counties or in 10 counties in southeast Georgia. Past and present military members and their families are also eligible for membership.
VyStar Credit Union was chartered in 1952 and was originally known as the Jax Navy Federal Credit Union, which offered services to military and civil service members.
Review methodology
We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. Read our full review methodology.
