The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (50 → 51).

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size credit unions in Florida

Yes. Vystar Credit Union is a federally insured credit union (NCUA charter #68490). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 6.9% of shares and deposits ($774.5M) are above the $250,000 NCUA insurance limit, below the peer median of 12%. Insured balances are protected regardless of the score.

The net worth ratio is 8.93%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Vystar Credit Union lists 79 offices in 36 cities across 2 states. Most locations:

• Jacksonville, FL (26)
• Orange Park, FL (5)
• Palm Coast, FL (3)
• St Augustine, FL (3)
• Callahan, FL (2)
• Fernandina Beach, FL (2)
• Gainesville, FL (2)
• Green Cove Springs, FL (2)
• Middleburg, FL (2)
• Neptune Beach, FL (2)
• Palatka, FL (2)
• Ponte Vedra Beach, FL (2)

All branch addresses and map

Over the last three years, the CFPB forwarded 917 consumer complaints about VYSTAR CREDIT UNION to the company (373 in the last 12 months). 99.9% received a timely response. That is 82.1 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, Vystar Credit Union reported 7,983 home-loan applications under HMDA (LEI 54930036K3ZFJ4FOKT69): 3,355 originated ($732,205,000 total), 3,291 denied, and 1,245 withdrawn or closed by the applicant. Its denial rate on decided applications was 48.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Vystar Credit Union

Type

Federally insured state-chartered credit union

NCUA charter #

68490

RSSD ID

99189

Primary regulator

State + NCUA

Established

1952

Headquarters

76 S Laura St, Jacksonville, FL 32202

Employees

2,235