VyStar Facts March 2009

THE VYSTAR MONEY MAKEOVER - VyStar Credit Union and CBS 47/FOX 30 are teaming up to bring you the VyStar Money Makeover, where 4 contestants compete on TV to improve their household budgets and their financial bottom line. The Grand Prize is $10,000 so apply for your chance to participate and you could be the star of your own financial future.

Hurry! Applications must be postmarked by March 10, 2009. Get details, the official rules and an application at www.vystarcu.org or visit any VyStar branch.

FIVE CREDIT UNION REPO SALE - For One Day Only on Saturday, March 14th VyStar and four other participating credit unions will be holding a Repo Sale at VyStar's Corporate Headquarters, 4949 Blanding Blvd. Up to 90 Cars, Trucks, SUVs, RVs and Boats at wholesale prices. Get pre-approved or bring certified funds to the sale.

VyStar Investment Services Financial Advisor Cathy Barnes Is Among "Women of Distinction" - CUNA Brokerage Services Inc. has selected 22 credit union financial advisors as "Women of Distinction" for their performance, value to their program, client service and overall contribution to the financial services industry and CUNA Brokerage Services. This year, VyStar Investment Services Financial Advisor Cathy Barnes was among those in the nation who were recognized for this prestigious honor.

VyStar's Web News - Did you know you can get your credit card statements online via Internet Banking? Sign up to receive credit card e-Statements today! VyStar also introduces its new Mobile Site with Wireless Banking. On your enabled mobile device, you will have access to your credit union, financial information and be able to manage your money, anytime. Also new is Text Message Banking that allows your last three account transactions and account balance alerts to be sent to your enabled mobile device via a text message or email at your request.

TurboTax® Online at Credit Union Prices - For an easy, accurate and secure way to do your taxes, go to www.vystarcu.org and use TurboTax® Online. TurboTax Online will work hard to help you find deductions so you can get the largest refund possible. E-file using free Direct Deposit service to receive your tax refund fast!

New Jacksonville Beach Branch Is Now Open - Our new Jacksonville Beach Branch at 100 3rd Street North - just north of Beach Blvd, across from City Hall - is NOW OPEN for your business (7:30 a.m. Drive-thru; 9 a.m. Lobby). Our old Beach Plaza location is closed. Come see us during our Grand Opening March 12th - 14th!

THE VYSTAR MONEY MAKEOVER



At VyStar, we couldn’t be more excited to introduce this fantastic opportunity and challenge to our members.

The VyStar Money Makeover invites four families of any size or single individuals to compete over a seven-month period to see which family can improve their financial situation the most. VyStar’s four families will be selected soon and an announcement will be made in April. Each will be given a chance to work with a VyStar expert - TV Coach -in a race to reduce debt, save more money and WIN $10,000 in The VyStar Money Makeover!

Everyone is welcome to participate. Whether you’re one of the lucky four selected (application period ends March 10th) or would simply like to track the progress of and learn from our finalists as they work through meeting and exceeding their financial goals to win, there will be something for everyone. Starting in April, go to www.vystarcu.org to get a number of helpful budgeting and financial tools or stop by a branch to work with a VyStar Coach on your own. Our Call Center is also happy to help you. From our website, you will also begin viewing CBS 47 and FOX 30 for news on our families and much more through our hyperlinks. VyStar Representatives are always ready at any time to assist you with your financial needs by providing financial programs, services and advice.

LET THE COMPETITION BEGIN! Coming in April, visit the hyperlink from www.vystarcu.org to our TV partners’ websites where you can find more extensive information such as a library of our four families’ monthly video updates and more frequent Blogs and video diaries on their progress.

HURRY! Applications accepted for Money Makeover must be postmarked by March 10, 2009 - details at www.vystarcu.org.

FIVE CREDIT UNION REPO SALE

One Day Only • MARCH 14th
8 a.m. to 2 p.m.
at VyStar Corporate Headquarters (Fenced Lot)
4949 Blanding Blvd. • Jacksonville, FL 32210

 Public Access between 9 a.m. and 6 p.m. for Inspection Only: Friday, March 13th

• Shop up to 90 Cars, Trucks, SUVs, RVs and Boats from Five Credit Unions:
• VyStar, Community First, First Florida, Florida Telco and Jax Federal
• Good to Like-New Condition - at WHOLESALE PRICES
• Get Pre-approved or bring Certified Funds to the sale


Combined Five Credit Union Repo Sale. Certain restrictions may apply. Up to 90 vehicles available. Inventory subject to change without notice. All sales are final. Collateral sold as is. No trade-ins. All loans are subject to credit approval. 100% financing terms and conditions subject to approval. Bring Certified Funds Only. One vehicle per individual; titled in buyer’s name only. Security is available during sale hours only. Any individual who visits VyStar Credit Union Corporate Headquarters property without security after close of business does so at his or her own risk. Sale is open to the public. Employees of VyStar and family members living in the same household are only eligible to purchase non-VyStar vehicles.

VyStar Investment Services Financial Advisor Cathy Barnes Is Among "Women of Distinction"



CUNA Brokerage Services Inc. has selected 22 credit union financial advisors as "Women of Distinction" for their performance, value to their program, client service and overall contribution to the financial services industry and CUNA Brokerage Services. This year, VyStar Investment Services Financial Advisor Cathy Barnes was among those in the nation who were recognized for this prestigious honor.

Developed by women for women, the award debuted in 2008. Strict qualifying guidelines had to be obtained by each nominated financial advisor in order to be selected. Recipients will participate in a mentoring program offered through CUNA Brokerage Services to foster the growth of women who are new to the financial services industry.

VyStar Investment Services, and through its alliance with the CUNA Mutual Group, gives members access to a full range of savings, investment and insurance programs to help them achieve their short- and long-term financial goals. Call VyStar Investment Services at (904) 908-2495 for mutual funds, annuities, investment advice and insurance services.

Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free 800-369-2862. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. #FR020917-206F

VyStar Web News

Credit Card e-Statements
Start enjoying the benefits of a simple paperless life. Get your credit card statements online now. No more waiting for paper statements, filing or mailing in payments - just a friendly email when your statement is ready! Log-in to Internet Banking and click on your Card Account Name. At the top of the credit card information screen, select ONLINE SERVICES and enroll in secure e-Statements. It’s quick and easy.

Enhancements to Your Wireless Services
VyStar’s new Mobile Site offers a condensed version of VyStar’s website that is designed for use on enabled mobile devices. You’ll have easy access to your credit union, financial information and be able to manage your money, anytime.

Members who are enrolled in VyStar Internet Banking are ready to use our Mobile Site with Wireless Banking and now much more as soon as they type in our main address: www.vystarcu.org.
  • Perform Branch and ATM location searches via Google Maps,
  • Check VyStar’s Current Rates, and
  • Be able to Contact Us.
  • Members with 3G enabled-type devices can view our full website with all our products and services.
Wireless Banking - Many of our members are using this service. If you’re already enrolled in Internet Banking from your personal computer, you can also log-in to your Internet Banking accounts from your enabled mobile device to manage your money, pay bills, and more. To find out more about this service and how to set it up, visit our website at www.vystarcu.org.

Text Message Banking - is an automated system that allows your last three transactions on your VyStar account and account balance alerts to be sent to your enabled mobile device via a text message or email at your request. To get started, you’ll need to register your cell phone/wireless device from your personal computer and, since you will be accessing Internet Banking, be enrolled in Internet Banking. The Text Message Banking link under Internet and e-Services Center on our website will take you to on-screen instructions to register your device. Your Internet Banking Login ID and Password will be required.

TurboTax Online® at Credit Union Prices

For an easy, accurate and secure way to do your taxes, go to www.vystarcu.org and use TurboTax® Online. TurboTax Online will work hard to help you find deductions so you can get the largest refund possible. E-file using free Direct Deposit service to receive your tax refund fast!

Helpful Refund Tip: Direct Deposit is the most convenient and secure way to receive your tax refund, regardless of how you file your taxes. This year direct the IRS to send your income tax refund electronically to your VyStar account. To set up direct deposit, use your correct Account Number and VyStar's Routing Number: 263079276.

If you have questions about setting up an electronic transaction, we will be glad to assist you. Call us at (904) 777-6000, option 9 or 800-445-6289, option 9.

New Jacksonville Beach Branch - NOW OPEN

Our new Jacksonville Beach Branch at 100 3rd Street North - just north of Beach Blvd, across from City Hall - is now open for your business (7:30 a.m. Drive-thru; 9 a.m. Lobby). Our old Beach Plaza location is closed. New location with more services:

• 4 Teller Stations
• 3 Member Service Offices
• 1 Internet Banking Station
• 4 Drive-thru Lanes (NEW)
• Safe Deposit Boxes (NEW)
• 2 ATMs (walk-up/drive-up)

Come celebrate our Grand Opening March 12th through 14th.

March 2009 - VyStar Facts Newsletter