we never forget that it`s your money.

JA x nav y f e d e r a l c r e di t u n io n • o r ig i na l b r a n c h • 1 9 5 2
A Lot has changed in sixty years.
but one thing remains the same.
WE NEVER FORGET THAT
IT’S YOUR MONEY.
v y s ta r c o r p o r at e h e a d q ua r t e r s • ja c k s o n v i l l e , f l o r i da • t o day
April 29, 2012 it will be named the Cascone Building
We Started With 12 Members And $60.
On April 29, 1952, 12 people knew how hard it was for military and civil service employees to get credit.
They also knew that they deserved to get financing for a car, a mortgage for a home, and a personal loan when
needed. They began Jax Navy Federal Credit Union with just $5 each and a commitment to help people.
They needed a place they could trust to open an account
location is convenient. Our members and employees are part of the VyStar community of “people helping people”
and benefit from our total commitment to service.
VyStar still offers great rates for deposits and a full line of loan products, and our commitment to our members
doesn’t stop there. Investment services
Michael Cascone
We even have programs for younger children
other. By the end of the
so they can begin to learn the value of money
decade, membership had
and of saving.
grown to 9,178.
In 1962, just 10 years after our
Signing of the original charter in 1952.
beginning, we realized that our members counted on our credit union and didn’t
VyStar Real Estate Services and VyStar
Title Agency are part of our subsidiary, VyStar
Financial Group, LLC. Both of
want to give up the relationship when they retired. So, membership was extended
these growing segments of our
to military and civil service retirees. As membership grew, so did Jax Navy. We
credit union make it easy for
opened new branches for the convenience of our members, both on and off
members to buy, sell, and close
the military base.
on their homes.
Since 2002, when Jax Navy changed its name to VyStar Credit Union,
we have expanded our field of membership to 17 counties, and it is now open
to anyone living or working in Alachua, Baker, Bradford, Clay, Columbia, Duval,
Flagler, Gilchrist, Hamilton, Levy, Marion, Nassau, Putnam, St. Johns, Suwannee,
Union, or Volusia Counties.
with Internet and mobile banking for those times when no branch
them an early start managing their money.
their financial futures to each
also have a Call Center complete with on-line Chat services, along
high school and college students to give
members had joined, entrusting
We opened in 1952, when
12 people with $5 each put
their money and their trust
in each other. When you begin
so small, it’s easy to remember
what’s important. Today, 60
years later, we still remember
how important $5 can be.
That’s why 12 members have
grown to 413,847. We may
have over $4.6 billion in assets,
but every dollar is important
to us—we never forget that
it’s your money.
Palm Coast and Volusia County for our members’ convenience. We
financial counseling. We have accounts for
and they wanted their chance at it. After just one year, 1,100
Northeast Florida plus 39 ATMs in Walgreens across Gainesville,
business services, retirement planning, and
profit. They had fought and worked for the American dream,
60
17
to VyStar. There are 32 branches and 160 VyStar ATMs across
help protect your future, plus we offer
and save for the future. They wanted to focus on people, not
$
VyStar may have started in
Duval County, but today there
are VyStar branches in 10
of the 17 Northeast Florida
counties within VyStar’s field
of membership. With plans
for more.
Today, there are more than 413,000 members who have entrusted their money
BILLION
The reason for our constant
and continued growth is easy to
understand—as all 413,000+
As of 2012, VyStar
surpassed $4.6 billion in
assets. It’s a milestone
that we’re very proud of.
of our members know—we never
A Driving Force To Establish
the Credit Union
Mr. Cascone worked diligently to convince
base leaders that we needed a credit union to
provide a safe place for civil service and
military personnel and their families to
save, borrow, and improve their financial health.
“Our credit union was founded at a time when it was difficult
for civilian and military employees to borrow money. Back in the
1950s, credit was not easy to come by for working men and women.
Credit lines were all but impossible to get. And it was very hard to
finance an automobile through a bank. We wanted to create a place
for blue-collar workers to open an account and provide credit to
individuals who had few options.” - Michael Cascone
He and others never gave up on the vision of creating Jax Navy
Federal Credit Union, later renamed VyStar Credit Union. Today, that
vision remains stronger than ever. Because of his leadership, vision
and dedication, VyStar has become one of the leading credit unions
in the nation, serving over 413,000 members with assets of more
than $4.6 billion.
As a sincere show of gratitude, VyStar is dedicating its corporate
headquarters building to Michael Cascone. As of April 29, 2012 –
VyStar’s 60th Anniversary – the building will be named the Cascone
Building. We honor Mr. Cascone for posterity and thank him on
behalf of our employees, members, and the communities we serve.
forget that it’s your money.
VyStar Through The Years: A Timeline
1952 Jax Navy Federal Credit
Union founded and opens
at NAS Jax on April 29
1952
Total Members:
1,100
Branches: 1
1960
1956 Cecil Field Branch opens;
Savings & Loan programs started
1970 Roosevelt Mall Branch opens
1962 Jax Navy extends membership to
their military & civil service retirees
Total Members:
9,178
Branches: 2
1976 Current NAS Jax Branch opens
1979 Westside Executive
Center opens
1970
1966 Converted to
computerized accounting
system
Total Members:
28,500
Branches: 2
1974 Clay County Branch opens
1978 Cecil Field Branch relocates
The Credit Union Difference.
the form of lower loan rates, competitive deposit rates, low or no fees, a convenient distribution system that
includes Branches, ATMs, Call Center, Internet and Mobile Banking, and better service.
A lot of people—including many members—really don’t understand what
VyStar apart from all other financial institutions—we never forget that it’s your money.
makes credit unions different from other financial institutions. Here’s a short
lesson about credit unions and why more and more
people are becoming members.
The beginnings of today’s credit unions can be
traced back to the 19th century, when small groups
of people who could not obtain credit from lenders
pooled their money to allow them to make loans to each other. While this method of
neighbors helping each other occurred informally in the 1800s, St. Mary’s Bank
Credit Union, founded in 1908 in Manchester, New Hampshire, is generally
recognized as the first credit union in the United States.
Today’s credit unions are still cooperative institutions. Individuals pool their
money to provide loans and services to other members, and the credit union is
actually owned and operated by the members. The
In 2011, customer
satisfaction with
credit unions breaks
all records, reaching
the highest score
ever achieved by any
industry covered in the
American Customer
Satisfaction Index.
Why be a member?
Every member is an owner, no matter how large or small
his or her account.
Our board of directors are volunteers, elected by our members.
They work for you, not their own paychecks.
We are not-for-profit.
Member service is always a priority.
receive no compensation. And each member, no matter how big or small
We have non-traditional programs and services, also with
little or no fees.
his or her holdings, has one voting share in the credit union’s affairs. This
ensures that policies match with what members really want. Since they’re
not-for-profit organizations, the members’ interests come first and not big
Source: Consumer Affairs
January, 2012
management. Deposits are federally insured by the National Credit Union
We offer many different types of credit with very
competitive rates.
profits. Any excess earnings belong to the members, not stockholders or
1986 Operations Center opens;
Roosevelt Branch relocates
1983 Money Market
accounts are offered
1980
Total Members:
70,784
Branches: 5
“I’ve always said if
you want a better
deal for your dough,
join a credit union.”
Clark Howard,
October 7, 2011
We are proud to be a part of your community. We love to give
back through the volunteer efforts of our members and
employees, as well as with special events and programs.
Administration (NCUA). And most earnings are returned to the members in
1980 First Northside
Branch opens
Wall Street Journal Online
September 18, 2011
We offer all the traditional financial services, often with no fees.
Number of people who joined
a credit union in 2011. That’s
2.7 times the 2010 increase.
“Credit Unions
typically offer better
deals on checking
accounts, loans, and
other products.”
We exist to serve you, our members, by promoting your
financial stability.
Source: ACSI Commentary
December, 2011
board of directors are chosen by the members and
1.6 million
These are just a few of the things that make credit unions different. But there’s one thing that sets
1995 Reaches $1 Billion
in assets
1997 Jax Navy Website launches
1997 Northside &
Merrill Rd. Branches
open
1999 Corporate
Headquarters opens
1990
1982 ATM “Time Machines”
begin to be installed in
branches
1984 Mandarin Branch opens
1987 Southside Branch opens
Total Members:
135,218
Branches: 8
1995 Southside Branch
relocates; Arlington &
Middleburg Branches open
1998 Mandarin & 103rd Street
Branches open
Business Services.
Products And Services For All Those
Different Financial Needs.
Different people have different financial needs. That’s why we offer so many products and services to our members.
Auto Loans.
For new and used cars, trucks, boats, jet skis, RVs, motorcycles,
scooters, and new ATVs. We even have loans for classic cars!
• Low rates and affordable payments
• No-fee, pre-approved VIP Loan Program
• Easy application and quick approval at a Branch, through our
Call Center, or 100+ dealership partners
• Both financing purchases and refinancing existing loans
Mortgage Loans.
Checking.
We have a full range of competitive fixed- and adjustablerate mortgage loans with a variety of terms.
We want to make your checking account as easy to use as
possible. There are no minimum
balance requirements,
no monthly fees, and all
of our checking accounts
pay interest. We do not
When we say FREE Checking
charge NSF fees for
at VyStar, we really mean it.
overdrawing your
account when you have
•No charge to write a check
other deposit accounts
•No charge to check your balance or lines of credit with
online or by phone
us**. You can set up
•No charge to transfer money
direct deposit, access
between accounts
your account via the
•No charge to use VyStar’s
Internet, pay your bills
Check Card
online, and use our
•No charge for Direct Deposit of
more than 160 VyStar
your pay into your account
ATMs and 39 ATMs in
• Earn interest on your daily balance
Walgreens stores that
are free for members.
• Competitive rates
• Escrow that pays interest
• No Closing Costs offer*
• No hidden fees or prepayment penalties
• No intangible tax at closing
• Easy pre-qualification with no obligation
• Easy online application
We have products and services for all sizes and kinds of businesses.
• Business lending services. Real estate, vehicle, and equipment loans.
• Business lines of credit and business share-secured loans help your
business get what it needs.
• Business savings and checking services. We have different accounts for large
and small businesses, and even for non-profits. The business VISA® gives you
instant access, and our business money market account with checks gives a
greater earnings boost.
• Business savings certificates give you highly competitive yields, daily calculated dividends that are compounded and
credited monthly, flexible terms, automatic renewals, tiered certificates with higher yields for higher balances, and
the security of NCUA insurance up to $250,000.
• Business credit card services. Our Business Platinum Rewards VISA credit card has a line of credit up to $50,000,
competitive interest rates, ATM and cash advances, travel and accident insurance and emergency assistance
services, auto rental collision damage waiver program, purchase security and extended protection program, and
the VISA liability waiver program. We also give UChooseRewardsTM points on eligible purchases that can be
redeemed for free travel and merchandise.
• Business merchant solutions give you the ability to accept credit and debit cards. Our processing program gives competitive pricing and personalized services for any size business.
• Business tax payments.
• Business remote check deposit.
• Business ACH payroll origination.
Investment Services.
To help you meet your financial
goals, investment timelines, and
risk tolerance levels, we provide
financial analysis and services at no
cost or obligation. Make a savings
and investment plan, protect your
assets and your financial future, fund your children’s
education, and plan your retirement.
Investment Products.
We offer a comprehensive list of value-oriented
products and services to further your financial goals.
Mutual funds, securities trading, IRAs, fixed and
variable annuities, asset allocation, insurance, all
designed with you and your needs in mind.
vys-buttons.pdf
2002 Jax Navy celebrates its
50th Anniversary and changes
name to VyStar Credit Union;
Jax Beach Branch opens
2000 Eagle Harbor
Branch opens
2004 St. Augustine Branch opens;
103rd Street Branch relocates
2006 Julington Creek
Branch opens; Northside
Branch relocates
2/20/09
Credit Cards.
Our VISA® cards have no annual fees and low interest rates.
You can design your own card. Free electronic payment
services. Security monitoring. Emergency assistance. And safer
online shopping.
Pick A Card!
At VyStar, we
believe that you
should be able
to spend and
manage your money any way you want. So, we offer three credit cards
that let you choose the combination of features that suit you best.
PLATINUM (No Frills)
• Our lowest credit card rate possible
PLATINUM CASH BACK
• Get 2% cash back on new gas and grocery purchases
• Get 1% cash back on other new purchases
PLATINUM REWARDS PLUS
• Earn one point for every $1.00 on qualified purchases
• Get extra points for shopping at participating retailers
2:55:08 PM
2008 Gainesville, Palm Coast, Starke, Green Cove Springs, Fleming
Button
Island High School & Pedro Menendez
High School Branches open
2000
Total Members:
255,646
Branches: 14
2011 Oceanway &
Wolfson High School
Branches open
2010 2012
2001 Arlington Branch
relocates
2003 Fernandina Beach, Macclenny
& Middleburg Branches open;
Mandarin Branch relocates
2005 Downtown,
Kernan, Beach &
9A and Normandy
Branches open
2007 Palatka, Bartram Trail High School, Oakleaf
Branches open; Merrill Rd. Branch relocates to
Regency; Downtown Branch relocates
2009 Lake City Branch
opens; Jax Beach Branch
relocates
WITH CHANGE(S)
C L I E N T A P P R OVA L
D AT E
AS IS
Total Members:
376,523
Branches: 30
Total Members:
413,847
Branches: 32
The
A Money Makeover
Is A Beautiful Thing.
The VyStar Kids Club: It’s Fun.
It’s Free. And It’s Just For Kids.
It’s never too early to learn about money and saving. That’s why we created the VyStar Kids Club.
A few years ago, we realized that
For just $5, kids 12 and under can join the Sandtastics. “Splash” the dolphin, “Star” the starfish,
a lot of members wanted to get
their finances in better shape.
“Tucker” the turtle, “Leonard” the fish, and “Pearl” the oyster
Iron out the wrinkles in their
make it fun to learn about money and financial responsibility.
credit. Lose some of the fat in
Kids Club members get:
their spending. Tighten up the way they were saving. The Money
• A dividend-bearing savings account
Makeover was designed to do all those things and more.
First, the Free Money Coach helps members take a closer look
The 2011 Winners: The Stephens Family
at their money, then shares unique money management tips and tools to help drive down debt,
increase savings, and improve their financial outlook.
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VYS 344 MM.v6singlesh
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4:10 PM
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• Their very own membership card
• Free use of in-branch coin counting machines
In 2009, it made the news. Partnering with Action News (CBS47 and FOX30 in
And look for the Sandtastics at the Jacksonville
Museum Of Science & History. MOSH and VyStar
family who improved their financial situation the most was awarded first prize. In addition to
worked together to incorporate the Kids Club
the TV competition, the program was expanded to include an in-branch competition, in which
Sandtastics into the museum’s marine
families competed in a similar program to the TV competition with prizes being awarded for
LEONARD
those improving their individual financial situations the most.
We never forget that it’s
your money.
• Bravo accounts provide services especially
for college students 18-25, including access to
VyStar Investment services. They’re a great way to
help them.
• A passbook to keep track of their savings
Makeover competition. They worked with a VyStar Coach over a seven-month period and the
At Home Guide
• VyTeen accounts are ideal for teens 13 to 17.
These accounts offer a debit card and access to
internet banking, with parent’s consent.
• A spend, save & share bank
Jacksonville), four contestant families were chosen to vie for cash in the first VyStar Money
science exhibit.
We started the program so people in the community could learn
their financial souls” on TV for the betterment of everyone in
Northeast Florida.
And while the TV competition illustrates the process, our
VyStar has helped
thousands of families paint
a new financial picture.
comprehensive At Home Money Makeover provides assistance
TUCKER
all free of charge.
STAR
• AJ’s MALLTM has games and brainteasers for middle
school students that focus on earning and managing money.
PEARL
A+ HIGH SCHOOL BRANCHES.
“Before we started Money Makeover
2010 WINNERS
We are ready to help our youngest members learn
how to manage their money responsibly. In addition
to these special accounts, we have special online
activities located on our website to reinforce
financial knowledge:
• C-Note UniversityTM is for high school students
with blogs, stories, and videos about credit and
money, higher education, and jobs, along with a
monthly photo contest, and financial calculators.
SPLASH
with personal financial situations for any member wishing to
participate. They receive the same sound financial coaching as shown on TV—
2009 WINNERS
• Achieve Accounts are for young adults ages 18-25
who are beginning their life outside of school. Since
financial needs are different for those just starting out,
we help with things like first consumer loans, higher
rates on CDs, free Internet Banking, and bill payer.
• 5 spot helps our youngest members learn
basic money concepts through an art studio, stories,
and games.
from the real experiences of others. These families opted to “bare
VyStar provides a home
booklet to make it
possible for any family
to apply the program
to their own finances.
More support tools
are available on the
VyStar website.
As Our Youngest Members
Grow Up, Our Programs
Grow With Them.
Student banking is now a reality at four area high schools with last year’s
we had no idea where we stood financially. I would lie
awake at night and wonder about bills being paid, what
bills we were behind on, and if we had a tire blow, what
would we do? Charlie once told me he wished we had
$500 in savings. That seems so crazy and minimal now.
We refinanced a car to get a lower interest rate, I have
money if I need tires, and we are finally in a position to
buy a home!” —Lisa Oliver
opening of the Wolfson VyStar Academy of Business and Finance.
Established in 2007, this academic and internship program gives high
school students real life experience and financial literacy. Seniors at Bartram
Trail, Fleming Island, Pedro Menendez, and Wolfson High Schools have
been operating their student-run branches with great success, and we look
forward to opening the Ribault High School branch at the beginning of the
Our Past Winners: The Dunn Family (L) and the Oliver Family (R)
2012-2013 school year.
Students at the VyStar branch at Wolfson High School
VYSTAR BRANCH LOCATIONS
WA
23
UNION
JACKSONVILLE
26
DUVAL
25
CLAY
24
PU
AM
FLAGL
LEVY
r Dr
kshe
Hec
There’s nothing more important to VyStar than being part
30
ER
2
29
TN
ALACHUA
28
HNS
GILCHRIST
1
EE
27
ST. JO
Jacksonville
International
Airport
NN
BAKER
SU
COLUMBIA
We Believe That Our Community
Is The Best Investment Around.
NASSAU
HAMILTON
MARION
VOLUSIA
of the communities we serve.. That’s why we encourage
FLORIDA BRANCHES
and support our employees when they invest their time,
energy, and money in worthwhile organizations and events.
Beach and the Jacksonville Air Show to the Olustee Festival
20
d.
d
an
rm
19
march of dimes walk
military and civil service personnel and their families with a level of support and
service that is second to none. We have long provided ongoing financial education
18
to save and become more fiscally
BLOOD ALLIANCE DRIVE
routinely provides classroom and conference space for workshops,
24 Gainesville Branch
3616 SW 34th St.
Gainesville, FL 32608
25 Starke Branch
1450 South Walnut St.
Starke, FL 32091
1168 S 6th St.
Macclenny, FL 32063
27 Fernandina Beach Branch
1900 South 14th St.
Fernandina Beach, FL 32034
12
210 Branch
opening late 2012
14
28 St. Augustine Branch
165 State Road 312 West
St Augustine, FL 32086
29 Palatka Branch
510 N State Road 19
Palatka, FL 32177
13
30 Palm Coast Branch
305 Palm Coast Parkway SW
Palm Coast, FL 32137
JACKSONVILLE AREA BRANCHES
(High School branch locations not shown)
1
Oceanway Branch
13075 North Main Street
Jacksonville, FL 32218
7
Beach & 9A Branch
11674 Beach Blvd
Jacksonville, FL 32246
13 Green Cove Springs Branch
19 103rd Street Branch
2
Northside Branch
1831 Dunn Ave.
Jacksonville, FL 32218
8
Jacksonville Beach Branch
100 3rd Street North
Jacksonville Beach, FL 32250
14 Middleburg Branch
20 Westside Drive Thru Center
3
Downtown Jacksonville Branch
214 N. Hogan St.
Jacksonville, FL 32202
9
Southside Branch
8263 Philips Highway
Jacksonville, FL 32256
15 Eagle Harbor Branch
21 Roosevelt Branch
4
Arlington Branch
7802 Atlantic Blvd.
Jacksonville, FL 32211
10
16 Orange Park Drive Thru Center
22 Normandy Branch
5
Regency Commons Branch
686 Commerce Center Dr.
Jacksonville, FL 32225
NAS JAX Branch
Bldg. 39
NAS Jacksonville, FL 32212
*Restricted Access
11
6
Kernan Branch
1802 Kernan Blvd. S
Jacksonville, FL 32246
Mandarin Branch
11343 San Jose Blvd.
Jacksonville, FL 32223
12
Julington Creek Branch
101 Bartram Oaks Walk
Fruit Cove, FL 32259
every high school within our field of membership where we have
branches located. VyStar’s branch on the NAS Jacksonville base
10
11
15
responsible. VyStar is also a major supporter of the Greater
Jacksonville USO Council as well as every Junior ROTC program in
9
411 NW Commons Loop
Lake City, FL 32055
26 Macclenny Branch
16
attendees. We are long-standing supporters of the Military Saves program that
encourages servicemen and women
8
17
and assistance to military personnel and continue to be a major sponsor of
the annual NAS Jax Air Show that regularly draws over 200,000 enthusiastic
Beach Blvd.
Roos
evelt
VyStar continues to take great pride in providing our active duty and retired
23 Lake City Branch
Blvd.
y
VyStar employees support included:
•United Way – Year after year, donations to United Way consistently exceed goals. Last year, we raised $402,003 to help United Way in their efforts to help area
children, families, and senior citizens.
•March of Dimes – $82,700 was raised to help in the
fight against birth defects.
• The Leukemia & Lymphoma Society – Light the Night fight
against blood and other cancers also received $57,000.
• City Rescue Mission
• Second Harvest Food Bank
• WJCT Mr. Rogers Sweater Drive
WJCT MR. ROGERS SWEATER DRIVE
• The Heart Walk
AT CLARA WHITE MISSION
• The Florida/Georgia Blood Alliance
• Hands On Jacksonville
7
Atlantic
Hw
has been and will continue to be there to show our ongoing support and commitment.
6
Butler Blvd.
ps
Blvd.
103rd St.
illi
No
21
Ph
in Lake City and the Baker and Clay County Fairs—VyStar
lv
yB
ER
NS RIV
ST. JOH
22
From the Isle of Eight Flags Shrimp Festival in Fernandina
Southside Blvd.
4
throughout Northeast Florida, in both large and small events.
LIGHT THE NIGHT EVENT
5
3
Our strong commitment to local communities can be seen
seminars, training courses and employee recognition ceremonies.
601 North Orange Ave.
Green Cove Springs, FL 32043
2762 Blanding Blvd.
Middleburg, FL 32068
1755 Eagle Harbor Pkwy
Orange Park, FL 32003
180 Arora Blvd.
Orange Park, FL 32073
17 Orange Park Branch
182 Blanding Blvd.
Orange Park, FL 32073
18 OakLeaf Branch
8425 Merchants Way
Jacksonville, FL 32222
7795 103rd St.
Jacksonville, FL 32210
4539 Blanding Blvd.
Jacksonville, FL 32210
4420 Wabash Ave.
Jacksonville, FL 32210
7765 Normandy Blvd.
Jacksonville, FL 32221
VyStar has 160 ATM
locations throughout
17 counties and 39
Walgreens stores in
Alachua, Flagler and
Volusia counties to better
serve our members.
60 Great Years And Our Promise For A Great Future.
We are proud of our beginnings and extend that pride today as we have grown to become one of the largest
credit unions in the nation, serving more than 413,000 members worldwide. VyStar’s nine-person volunteer board of directors provides strategic direction
and oversees the management of the credit union for its members. Our
volunteer audit committee adds balance to the credit union’s activities as it
actively oversees special activities and internal audits for the credit union.
Additionally, there are almost 1,100 employees who keep the VyStar operation
running smoothly for the membership each day.
VYSTAR CREDIT UNION Board of Directors
Today, the driving VyStar philosophy continues to be offering quality member
service, highly competitive pricing while giving members high-yielding savings
products, low loan rates, and low- or no-fee financial services while ensuring the
credit union is always run in a financially sound manner. This commitment makes
finding affordable, quality financial products and services a reality for our
members—for now and for years to come.
Standing (L to R): William C. Vivian, Director;
Larry D. Myers, Director; George R. Berry, Director;
P. Kem Siddons, Treasurer; Eric J. Hatfield, Director;
Michael Cascone, Secretary / Founder; Esther T.
Schultz, Director.
“Quality service is our most important goal.
Employees are our most important asset.”
Seated (L to R): Ralph R. Story, Vice Chairman;
P.E. (Ted) Hewitt, Chairman.
VIsion Statement
VYSTAR’s audit committee
George R. Berry, Chairman; Eric J. Hatfield, Vice
Chairman; Al Seablom, Member; Russell Misner,
Member; Brian Roche, Member
The vision of VyStar Credit Union is to be the primary financial institution
for its members and to bring credit union services to more people.
Mission Statement
The mission of VyStar Credit Union is to focus on serving the financial
needs of our members by providing quality services while maintaining
fiscal soundness.
VyStar’s Core Values
Be relentlessly honest in doing the right thing.
Integrity
Display openness and confidence when dealing with others and act in mutual good faith.
Trust
Treat others with dignity and take time to listen and understand their views.
Respect
Caring
Show compassion and consideration for others’ beliefs, feelings, and circumstances.
Accept responsibility and accountability and share individual
Courage
beliefs regarding opportunities and challenges for VyStar.
DedicationDemonstrate personal commitment to goals, to others and to go above
and beyond the expected level of performance.
LoyaltySupport and adhere to VyStar’s values.
Because quality service is our most important goal, we will apply the principles of
VyStar Excellence as a way to focus on quality service to help guide our employees to
excel in all we do for our members as well as for each other.
JACKSONVILLE AND SURROUNDING COUNTIES 904-777-6000 • OUTSIDE OF JACKSONVILLE 1-800-445-6289
GAINESVILLE 352-372-1645 • LAKE CITY 386-719-6767 • PALATKA 386-328-3303 • PALM COAST 386-445-7079
www.vystarcu.org
©2012 VyStar Credit Union.
VYSTAR MEMBERSHIP IS OPEN TO ALL PEOPLE and their families WHO LIVE OR WORK IN THE FOLLOWING COUNTIES:
Alachua • Baker • Bradford • Clay • Columbia • Duval • Flagler • Gilchrist • Hamilton • Levy • Marion • Nassau • Putnam • St. Johns • Suwannee •
Union • Volusia
*Certain restrictions and limitations apply. All loans are subject to credit approval. No Closing Costs offer available only when obtaining a VyStar Credit Union First Mortgage Loan and is not available on VA, FHA & Reverse
Mortgages. Available for purchase or refinance. VyStar will pay borrower closing costs up to a maximum amount of $5,000 excluding origination fee, discount points, private mortgage insurance, prepaid interest or funds to
establish the member’s 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. **Accounts must be authorized by the member for overdraft use.