VyStar Facts April 2009

Introducing The VyStar Money Makeover AT HOME GUIDE for Members - Watch our website at www.vystarcu.org for the announcement of our four lucky families selected to compete over a seven-month period to see who can improve their financial situation the most and WIN The VyStar Money Makeover Grand Prize. Begin your own Money Makeover, at home, right now by obtaining a copy of our VyStar Money Makeover AT HOME GUIDE online at www.vystarcu.org (click Money Makeover on our homepage) or by dropping by any VyStar Branch. It's all about helping you increase your savings while reducing debt.

Simply Sensible Loans from VyStar - If you need to borrow money for whatever reason, it is important to check with your Credit Union first. Chances are we have a loan that’s right for you and your budget. At VyStar, we offer loans with the best possible rate, no hidden fees or fine print surprises and no hassles.

Quick Tip - Secure, Convenient, Paperless - You already know the many benefits of getting secure e-Statements from VyStar. But did you know you can also receive your VyStar Credit Card Account Statements online at www.vystarcu.org? Sign up for Credit Card e-Statements today. Have all your account information at your fingertips.

TurboTax® Online at Credit Union Prices - Tax season ends this month. For an easy, accurate and secure way to do your taxes, go to www.vystarcu.org and use TurboTax® Online. E-file using free Direct Deposit service to receive your tax refund fast!

VyStar Branch News - We are happy to announce your new VyStar Lake City Branch at 411 N.W. Commons Loop, Lake City, Florida will open April 13th. Tell your family, co-workers, neighbors and friends about VyStar Credit Union’s newest full-service branch – discover all the benefits of membership. // Honored Guests and VyStar Credit Union Officials cut ribbon for VyStar’s Jacksonville Beach Branch on March 12, 2009.

INTRODUCING THE VYSTAR MONEY MAKEOVER AT HOME GUIDE FOR MEMBERS



Coming in April! Watch our website at www.vystarcu.org for the announcement of our four lucky families who have been selected to compete over a seven-month period to see which family can improve their financial situation the most and WIN The VyStar Money Makeover Grand Prize of $10,000. Also beginning in April, visit links from our website (www.vystarcu.org) to our CBS47.com and FOX30online.com TV partners for the latest news on our select four families. Find more extensive information such as a library of our families’ monthly video updates and more frequent Blogs and video diaries on their progress.

Everyone is welcome to participate. With The VyStar Money Makeover, there is something for everyone. There is always something you can do to make improvements to your household budget. No matter what your financial condition is like, let VyStar help you find ways to save and manage your money better. While we are selecting our four lucky families to compete in The VyStar Money Makeover, we invite you to stop by any VyStar Branch to get a VyStar Coach of your own. You can also phone our Call Center at (904) 777-6000, option 9 or (800) 445-6289, option 9 for assistance.

Your Money Makeover At Home Guide – Begin your own Money Makeover, at home, right now by obtaining a copy of our VyStar Money Makeover At Home Guide online at www.vystarcu.org (click Money Makeover on our homepage) or by dropping by any VyStar Branch. With this unique financial exercise and budgeting tool you can learn how to: understand your current financial situation; track your spending; make tough decisions; develop a monthly budget; and start saving for the future.

Our program and booklet are designed to help members establish and maintain financial goals while guiding them through valuable money management lessons along the way. It’s all about helping you increase your savings while reducing debt.

Beginning in mid-April, check VyStar Money Makeover at www.vystarcu.org and our TV partners’ websites routinely for more valuable information, helpful budgeting and financial tools, tips and updates. Whether you are one of the lucky four 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’s something for everyone!

Simply Sensible Loans from VyStar

If you need to borrow money for whatever reason, it is important to check with your Credit Union first. Chances are we have a loan that’s right for you and your budget. At VyStar, we offer loans with the best possible rate, no hidden fees or fine print surprises and no hassles. Whether you’re shopping for a new car or boat, credit card to use for travel this summer, your first home or need to refinance your existing mortgage – let us help make your dreams a reality. Talk to an experienced VyStar Representative today for straight answers and sound advice – and a loan you can afford long after the purchase is made or deal is closed.

(904) 777-6000 or (800) 445-6289 option 3;
Stop by any VyStar Branch; or
Login to Internet Banking and apply online.

Quick Tip - Secure, Convenient, Paperless

You are already one of the many members who has discovered how convenient, easy and secure it is to get your VyStar member statements online via Internet Banking. But, did you know that you can also get your VyStar credit card statements online now at www.vystarcu.org? No stacks of paper to sort through and store – or shred for the trash. Up to 24-months' credit card statement history at your fingertips.

It’s easy to sign up for Credit Card e-Statements. Next time you login to VyStar Internet Banking, click your credit card Account Name (for example: Platinum). At the top of the credit card account information screen, select ONLINE SERVICES; enroll in e-Statements; Review and Accept the disclosure; and enter your e-mail address to receive notice when your e-Statement is ready to view, print or download each month. That’s it - you’re done.

Enjoy a secure, paperless life. Members who sign up never want paper again.

VyStar Annual Meeting and 2009 VyStar Officials

VyStar’s 57th Annual Meeting was held on March 4, 2009.The following Board Members will be serving a three year term: George R. Berry, P.E. (Ted) Hewitt and Ralph R. Story.

Your 2009 Board of Directors and Executive Committee Officers are: Chairman of the Board George R. Berry, Vice Chairman Esther T. Schultz, Treasurer Ralph R. Story, Secretary P. Kem Siddons and Board Members Michael Cascone, P.E. (Ted) Hewitt, Lawrence R. Jacobs, Larry D. Myers and Bobby E. Waldrup.

VyStar’s Supervisory Committee consists of: Chairman Alfred C. Seablom, Secretary Edward Bobola and Member Russell F. Misner.

TurboTax Online® at Credit Union Prices

Tax season ends this month. If you’re looking for an easy, accurate and secure way of doing your taxes, use TurboTax Online® on our website at www.vystarcu.org. Want your refund fast? Set up free Direct Deposit to your VyStar account. Get more information on how to set up direct deposit, bill payment and other e-services on our website.

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.

Credit Union Day with the Jacksonville Suns

21st Annual CREDIT UNION DAY with the JAX SUNS vs. Mobile BayBears



f SUNDAY, MAY 3RD at 3:05 PM
At the Baseball Grounds of Jacksonville

$5 Discount Coupons

Enjoy great baseball at a discount. Stop by VyStar locations to pick up your coupon to use with your ticket purchase! Special entertainment by the ZOOperstars.

Available while supplies last.
VyStar Branch News

New Lake City Branch Opens Soon. We are happy to announce your new VyStar Lake City Branch at 411 N.W. Commons Loop, Lake City, Florida will open April 13th. Tell your family, co-workers, neighbors and friends about VyStar Credit Union’s newest full-service branch – discover all the benefits of membership. We are pleased to bring greater convenience to Lake City. See you soon!


Jax Beach Branch Ceremony. Honored Guests and VyStar Credit Union Officials cut ribbon for VyStar’s Jacksonville Beach Branch on March 12, 2009. Stop by our new full-service location at the beach – 100 3rd St. North, across from City Hall.

April 2009 - VyStar Facts Newsletter