Federal Government Shutdown Member Assistance

VyStar is actively monitoring the federal government shutdown, and we are here to support members who may be impacted. We will continue to update this page as more information becomes available.

Important Updates

  • We are committed to working with our members to provide flexible solutions such as adjusting payment dates or pausing payments temporarily. There are multiple options available.

  • VyStar members who meet the following criteria may be eligible for assistance: 

    • Mortgage loan is held and serviced by VyStar 

    • Pay is impacted by the shutdown

    • Direct deposit is in place with VyStar 

    And you fit one of these categories: 

    • Active duty servicemember or reservist 

    • Department of Defense employee, Federal Government Employee or contractor paid directly by the federal government 

    Contact one of our team members for support at 904-908-2424, option 2. We are available Monday through Friday, 8:30 a.m. to 4:30 p.m.

    Request mortgage assistance

  • If you are a VyStar member with a non-mortgage related request (including business members), contact one of our team members for support at 904-777-6000, extension 6094. We are available Monday through Friday, 8:30 a.m. to 7:00 p.m. and Saturday 8:30 a.m. to 5:00 p.m.

  • If you have questions or concerns, please do not hesitate to reach out to us. Our Contact Center representatives are available Monday through Saturday, from 7:00 a.m. to 7:00 p.m. EST, excluding holidays. You can reach us at 800-445-6289 or 904-777-6000. You can also speak with a VyChat representative every day, from 7:00 a.m. to 7:00 p.m. EST, excluding holidays, at vystarcu.org.

VyStar is here to help with enrollment in the Federal Government Shutdown Consumer Loan Program.

Loan amounts are calculated based on the amount of the most recent direct deposit that was made to your account prior to your pay interruption.

Our Contact Center representatives are available Monday through Saturday, from 7:00 a.m. to 7:00 p.m., excluding holidays. You can reach us at 800-445-6289 or 904-777-6000. You can also speak with a VyChat representative every day, from 7:00 a.m. to 7:00 p.m., excluding holidays, at vystarcu.org. 

Here is more information about the program:

  • Loan amounts are calculated based on two times your monthly salary

  • Maximum loan amount is $15,000

  • Max term is 24 months

  • No payments for 90 days. Interest accrues from date of loan disbursement

  • Loans will be available and disbursed only if the government fails to pay eligible members in connection with the government shutdown

Applying for an Emergency Loan

Existing Members

Step 1: Log in to Online Banking

Step 2: Apply for the Loan

  • Select Apply for a Loan/Credit Card

  • Choose Personal Loan

  • Select “I need financial assistance due to government shutdown.”

Not a Member?

Join VyStar Credit Union to unlock benefits. Once you join, applying for a Government Shutdown Consumer Loan is easy.

Step 1: Become a Member

  • Select the “Become a Member” button.

  • Complete the account opening process.

Step 2: Apply for the Loan

  • Once your account is active, log in to Online Banking.

  • Follow the steps listed in the “Existing Members” column to apply.

Become a Member

VyStar is committed to helping our members. If you need additional assistance, please visit a branch or call our Contact Center at 800-445-6289 or 904-777-6000.