Vystar Credit Union

Vystar Credit Union is well known for its conservative, stable investing and money management. The company handles a range of products and services including credit card accounts, checking and savings accounts, business loans and mortgages. This full service credit union may be a great option for those looking for a company that pays attention to your money goals. The company is a state-chartered organization.

Joining Vystar Credit Union

Vystar members receive a range of services, but you must join the credit union prior to receiving these services. The credit union operates in Florida, specifically in the areas of: Alachua, Baker, Bradford, Clay, Columbia, Duval, Flagler, Glichrist, Levy, Putnam, Mario, Nassau, and Saint John's.

Credit union membership is available to any business, church, club, or organization within the community. Additionally, those who have family members who are members of Vystar also have the ability to join. This includes people from all areas of the country. To be eligible, you must be a blood, adoption, or marriage relative to someone that is a member of Vystar.

Vystar Credit Cards

Members of Vystar may be able to apply for a credit line. The company offers several options to choose from, but members must be credit worthy to receive them. There are some extensive benefits to the credit card program offered by Vystar. For example, none of their credit cards impose any fees. Plus, they don't provide teaser introductory interest rates.

Each of their credit cards offers:

• Safe online shopping features to protect customers shopping the web
• Free electronic payment services to help keep costs low
• Security monitoring to protect customers from identity theft or misuse of credit cards
• Emergency assistance

Platinum Rewards Visa

The Platinum Rewards Visa is one credit card option giving the largest credit limit and the most benefit through the company's reward program. This card features:

• Credit lines starting at $1250
• Low interest rates for qualified customers
• Interest-free grace periods on the purchases made
• Low minimum monthly payments
• No annual fees or transaction fees
• At least $500,000 in travel accident insurance
• Ability to earn CUReward points to use for travel rewards

The Platinum Rewards Visa is ideal for those with good or better credit.

Visa Gold

The Visa Gold credit card provides those with average or just below average credit scores the ability to work towards a stronger credit line. This credit card offers several benefits:

• Credit limits start at $375
• Low interest rates
• No transaction fees or annual fees
• Low minimum monthly payments
• Interest-free grace periods on purchases
• $500,000 in travel accident insurance
• Emergency cash disbursement

Those who are looking to improve their credit score, should consider this line of credit.

Visa Classic

The third type of credit card offered by Vystar Credit Union is the Visa Classic. This credit card provides many of the same benefits of the other Vystar credit cards, but it is designed for those with less than good credit. Benefits include:

• Credit lines starting at $375
• Low interest rates keep it affordable
• Interest-free grace period on purchases
• No annual fees or transaction fees
• Low minimum monthly payments
• $250,000 in travel accident insurance

Those who wish to improve their credit score can do so through the Visa Classic.

Getting Started

To join Vystar Credit Union, talk to your organization or club about the benefits of Vystar membership. Vystar is happy to help educate members on the benefits of such a program. Once the group decides to join the company, each member will need to apply.

• Apply by completing the membership application
• Mail the application to the company with the membership fee and deposit to open the account
• Provide notarized copies of your driver's license or government-issued identification and a copy of a billing statement.

In addition, you can visit the company's locations and be accepted right away. You can find these locations by visiting the company's website VystarCU.org or by calling the company at (800) 445-6289.

Vystar's services may help some businesses and private citizens to invest their money safely. They are backed by the National Credit Union Share Insurance Fund (NCUSIF), an arm of the National Credit Union Administration (NCUA) which is an independent agency of of the federal government.

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