When it comes to Auto Loans, VyStar leads the way in Jacksonville. What does this mean to our members? It means better loans are available right here at your credit union and we are lending money.
Borrow at a lower cost. Theres no need to look elsewhere our qualified members can borrow money from their credit union at a lower cost than what other lenders may offer. This includes many free benefits and services available to you in one place. We never forget that its your money and we will do everything we can to help you get the things you want.
Flexible terms with no surprises. Getting a loan can be confusing because there are so many differences. At VyStar, we dont believe in hidden fees or special rules and we make our terms and conditions easier to understand nothing tricky about it. The cost of borrowing from us usually saves you money in the long run. We are ready to answer your questions to help you compare programs and offer good advice to help you make good decisions. Let a VyStar Representative explain how our loan programs can work in your favor.
Pre-approval gives you an edge. By having financing matters behind you, our Vehicle Investment Power (VIP) pre-approved loan program can help you save on a vehicle by allowing you to focus more on negotiating a good price. Be able to write your own loan on the spot an advantage like none other. With your VIP loan comes a blank VIP check you will be able to write for the amount of your purchase, up to your approved credit limit. Once your check reaches VyStar, well set up the loan and finalize the details for you. Changed your mind and want to wait awhile? We lend at your pace. Theres no obligation to use your VIP check after 90 days, simply let us know when youre ready again or if you need to be approved for more money than the original amount.
More than just a loan more than just a customer. As a member, you receive a complete financing package of benefits to include a low-cost loan, 0.25% discount on your rate when you set up automatic payments from your VyStar account to pay your loan, online Auto Center - your car-buying resource to compare, price and shop, and warranty and discount insurance programs. We can save you money on all aspects of car ownership. If youre already at the dealership and dont have a VyStar VIP loan, many authorized dealers offer VyStar financing right in their showrooms.
Speak with a VyStar Representative today. Call (904) 777-6000 or 800-445-6289, option 3, stop by any VyStar branch or apply online via Internet Banking.
VyStars REPO CENTER online at www.vystarcu.org
VyStar has repossessed vehicles for sale. Now, you don't have to drive all over town to get great deals. Get a loan and shop for a vehicle right on our website. If youre in the market for a used car, truck, SUV, van, motorcycle or boat, check our listing daily for updates. Go to Credit & Lending Center and click REPO CENTER.
The Sale Price for our vehicles is shown so you know exactly how much it will cost. If you find something you like, send us an e-mail from our website or call (904) 908-2403 or 800-445-6289, ext. 2403 to make inquiries. While youre online, apply for a loan via Internet Banking.
Subject to credit approval. Certain conditions/restrictions may apply.
Its not too late to get your own VyStar Coach. Many of our members have already discovered the difference they can make in their financial lives. Wouldnt you like to know how to reduce your debt? Has it been awhile since youve had money in your savings account? Stop by a VyStar branch and get ready to set some goals of your own with a Coach to guide you. Visit Money Makeover at www.vystarcu.org for more tips on how to get started.
Our members have been asking for a better way to monitor their checking account balances and be able to view their Check Card transactions when they actually occur not one or two days later when they post.
Beginning in mid-August, purchases made with your VyStar Visa Check Card where you press credit or sign for the transaction* will reach your credit union account in real time. This means the funds for your purchase will be reserved from your account and wont be available for other transactions. The old transaction lag time is all but gone. Instead, you will see pending transactions you have made before they complete with the merchant and your balance will be reduced immediately.
Have more control over your money. This move to improve our checking service will be familiar to members with VyStar credit cards who already view their transactions online when they take place via Internet Banking to ensure they have enough funds available to transact business and make their card purchases. Theres less room for error or funds coming up short.
What are pending Check Card transactions? Members who use Check Cards will see their pending check card transactions in their checking account history. This covers card transactions that have not completed the posting to your account but are still in a pending status. For example, you shop at Wal-Mart and use your Check Card to pay at the register. Your transaction at this time is considered pending. Thats because the transaction has not had time to complete with the merchant. With our new real-time system, this pre-authorized pending amount for your purchase will be held against your available checking account balance until it converts into a posted transaction.
Note: It is important that you review your pending transactions as they sometimes vary from the final posted amounts when the transaction completes its process. You can do this with VyStar Internet Banking or if you are on the go, through our free Wireless Banking and Text Message Banking services using your cell phone or other mobile device, or by calling free Magic*Touch voice response telephone service. Visit www.vystarcu.org for instructions on how to set up and use these convenience services or speak with a VyStar Representative.
*The PIN-based Check Card transaction process remains the same and currently post real time to the account.
The Nominating Committee is currently accepting applications to fill three positions on VyStar Credit Union's Board of Directors. Each position is for a three-year term, announced at the Annual Meeting, which will be held at VyStar's Corporate Headquarters at 5 p.m. on March 3, 2010.
Members first named on the account, who are at least 21 years of age and with $5 or more in their VyStar primary savings account are eligible to apply to serve on the Board of Directors. Board Members serve as unpaid volunteers and must be available for monthly Board and assigned Committee meetings, held in Jacksonville, Florida.
The "2010 Application for Nomination to the Board of Directors" can be obtained at any branch location, from our website at www.vystarcu.org, or by calling 908-2506 or 800-445-6289, ext. 2506. Completed applications must be mailed to VyStar Credit Union, Supervisory Committee, P.O. Box 7417, Jacksonville, Florida 32238-0417 and received by 5:00 p.m. (EDT) on August 7, 2009 for consideration by the Nominating Committee.
All properly completed applications will be reviewed on a number of factors. Past credit union and career experience as well as educational background and the financial responsibility of prospective candidates will be evaluated. The Nominating Committee will select three (3) applicants, whose names will appear in the October 2009 issue of VyStar Facts, be posted in branches, and on the VyStar Credit Union website at www.vystarcu.org.
VyStar Credit Union Employee since 2008
Student Manager, Bartram Trail High School Branch and Julington Creek Branch
We are saddened by the loss of one of our VyStar Employees and Bartram Trail High School Students. Charles (also known as Trey) and his courteous and pleasant easy-going nature will be greatly missed. Warmest thoughts and deepest condolences go to his family, friends, fellow students and co-workers.
VyStar Credit Union and its affiliate, VyStar Financial Group, LLC, (here-in referred to as "we," "our," or "us") understand and recognize the sensitivity of your personal financial information and take every effort to ensure that your private information is protected. Your privacy is a top priority. This notice describes how we protect your nonpublic personal financial information. We are required by law to give you this privacy notice to explain how we collect, use, and safeguard your personal financial information.
We do not sell or share your personal financial information to outside marketers who may want to offer you their products and services.
We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you to complete your transactions and to provide you with certain financial opportunities. In order to do so, we have entered into agreements with other companies that provide either services to us or additional financial products for you to consider.
Under these agreements, we may disclose all of the information we collect, as described below, to companies that perform marketing or other services on our behalf, or to other financial institutions with whom we have joint marketing agreements. These companies may include financial service providers such as payment processing companies or nonfinancial companies, such as check printing and data processing companies. To protect your privacy, these companies are prevented by legal agreement from using this information for their own purposes or selling this information to others. We do not permit these companies to sell to other third parties the information we provide to them. We may also share transaction or experience information about you with our affiliated third party financial service provider (VyStar Financial Group, LLC).
Information We Collect And Disclose About You
We collect the following nonpublic personal information about you from a variety of sources and may disclose all the information we collect to companies that perform marketing services on our behalf, or to other financial institutions with which we have joint marketing agreements, or to our affiliates, except that the only information we will disclose to our affiliates is information solely as to transactions or experiences between you and us.
Information we receive from you on applications or other forms, such as name, address, social security number, and income.
Information about your transactions with us, our affiliates, or others that work closely with us to provide you with financial products, such as account balances, payment history, parties of transactions, and credit card usage.
Information we receive from a consumer-reporting agency, such as your creditworthiness and credit history.
Information obtained from verifying the information you provide on an application or other forms, such as from your current or past employers or from other institutions where you conduct financial transactions.
We may also disclose any nonpublic personal information about you under other circumstances as permitted or required by law, typically to process transactions on your behalf, conduct our operations, follow your instructions as you authorize, or to protect the security of our financial records. This may include our Federal and State Regulators, and Auditors for the purpose of protecting our members and their assets.
If you decide to terminate your membership or become an inactive member, we will adhere to the privacy policies and practices described in this notice.
How We Protect and Restrict Your Account Information
We restrict access to your personal and account information to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal and state regulations to guard your nonpublic personal information.
When visiting our web site (www.vystarcu.org), you will be asked for personal information. This information will be used to serve your needs quickly and identify other products and services we may offer you in the future. For more details, please visit our web site and view our online privacy policy.
Your privacy and financial success are our concern. We are committed to protecting your privacy and will take every reasonable step to ensure your personal information is protected.
What Members Can Do To Help
We are committed to protecting the privacy of our members. Members can help by following these simple guidelines:
Protect your account numbers, plastic card numbers, PINs (personal identification numbers) or passwords. Never keep your PIN with your card, which can provide free access to your accounts if your card is lost or stolen.
Use caution when disclosing your account numbers, social security numbers, etc., to other persons. If someone calls you explaining the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.
Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.
If you have any further questions regarding our privacy practices or policy, you can reach us:
Via the Internet at www.vystarcu.org
By Telephone at (904) 777-6000, option 9 or 1-800-445-6289, option 9
By Mail at P. O. Box 45085, Jacksonville, FL 32232-5085
VyStar Real Estate Services and VyStar Title Agency are divisions of VyStar Financial Group, LLC, a wholly owned subsidiary of VyStar Credit Union.
Effective July 2009
All VyStar offices will be CLOSED on July 4th (Saturday) for Independence Day. Our offices will be OPEN Friday, July 3rd.
2009 VyStar Credit Union