VyStar Credit Union Reviews

Name: VyStar Credit Union
Rating: 2.77

2.8 Rating 282 Reviews

43 %

of reviewers recommend VyStar Credit Union

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2.8

Based on 282 reviews

Shipping & Delivery
Delivery Methods	Own Driver, Postal Service
On-time Delivery	Greater than 84%
Customer Service
Communication Channels	Telephone, Live Chat, Email
Queries Resolved In	Under An Hour
Customer Service	2.8 out of 5

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VyStar Credit Union 1 star review on 2nd June 2025

WhatsApp Number (+ 4 4 73 88 6 97 9 58.) Help Me When I Was Deceived By Online Investment Company

VyStar Credit Union 1 star review on 30th May 2025

Anonymous

Anonymous // 01/01/2019

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“My husband and I have been with VyStar for about 15 years. We've had two auto loans, a line of credit, a HELOC, credit cards, and our last mortgage with them, all paid in full. We've had our business accounts with them in the past and on average we had about 6 different accounts open at one time, including our retirement accounts. We've never had a late payment, and used them for all our banking and loan needs over the years. To say the least we were very loyal members. We used to love VyStar for their outstanding customer service. They made you feel valued as a member. But with the new changes they've made (and the fact they are growing too quickly in my opinion) they have become more like a bank in recent years and we've had nothing but issues. I understand growth and progress is important for a company, but they've gotten away from what matters with their members and care more about making money. One of the biggest issues we've had is with terrible customer service. The banks stopped doing a lot of transactions in branches so now that you have to call the call center, the wait times had increased significantly. The biggest customer service issues I've had though has been with their loan officers while trying to secure a loan for a new build. These loan officers are "working from home" but never are actually home when you call during normal business hours. We were given incorrect information on multiple occasions, or they were not communicating vital information at all, which affected our loan process in a negative way. They were always forgetting to return emails and phone calls to questions we had and we were having to resend emails and texts with the same information over and over because they would forget or misplaced information. There were inconsistencies with information given by different loan officers all together. They were also making us jump through ridiculous hoops with property we own out right, when no other bank or credit union we spoke to required us to do the same. In fact, the property appraiser and land surveyor had never heard of the things VyStar was requesting in their 30 years of business. We've had them do things like fail to send out expired debit card replacements, and then not allow us to get a replacement printed inside a branch so we had to wait another 10 business days to receive a new card. We've had issues with wire transfers while trying to purchase land (being given confirmation letter that the transfer took place in a branch, but it was never actually initiated). They reported to the credit bureaus that we were a year late paying off our last mortgage when we sold our house. I had to provide documentation that they originally sent me proving we paid our mortgage off as soon as we closed on the sale of our home. We've had ongoing issues with their online banking system after they made changes. The list goes on and on. After much consideration, we were so discouraged by the constant mistakes and lack of customer service, especially trying to to secure a new construction loan with them, my husband and I decided to pull all our accounts and money and go to another credit union. Sadly, VyStar is no longer a member oriented credit union.”

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Posted 3 months ago

“Just remember this is a credit union. The service is always friendly and helpful. People complaining should visit the bank. From what i am reading you should get off the phone and out of the car and go in and meet the people. You will find that friendly service. Its always easy to complain when you are having a bad day!!! Thank you 210 crew for all you do for me and our company. Donna,Lizzy,Mario, Nat. Michael,Lisa, Kenneth. Thank you!!”

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Posted 3 months ago

“10-Star Rating on a 5-Star Scale! The service, professionalism, and attention-to-detail regarding my account is "Second to none!" The initial support/assistance I received from Tracey was truly outstanding! Since then, I have interacted with Julia and Ben who continue to carry the torch for above and beyond service! When you check my record, you will find that I have been patronizing your establishment for decades. I'm glad that I made the time to tell you that your branch on Kernan is my favorite! Your aforementioned staff members have spoiled me and my wife with consistent, client-centered service. I am proud to be a part of the VyStar Family and even more proud to be associated with Tracey, Julia, and Ben! Hey listen, if you are not rockin and rollin with VyStar, you need to step up your game! And you can quote me on that! Dr. Bill Davis”

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Posted 3 months ago

“The customer service is always a 5 star. Thank you Natalie,Lisa, Mario,Donna, for going the extra mile for me and my Business. Remember we all have a bad day sometimes. So let help each other ( Patience)”

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Posted 3 months ago

“Vystar is horrible, always issues with online or mobile banking. Needed to transfer money today and did not get done. You can't count on conducting business that way. If you call them it takes forever to get someone on the phone, they are impossible!”

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Posted 3 months ago

“I had the pleasure of being assisted by Elsa today at vystar at Murbella! Can I just say that her customer service was impeccable!!! Such a great experience!”

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Posted 3 months ago

“I live quite far from VyStar Bank branches, which made a recent experience particularly challenging for me. After depositing $5,500 into my account to make a payment, I found that I couldn't send the full amount due to account limits. My initial plan was to deposit smaller amounts daily, but that option wasn't feasible either, so I reached out to the bank for assistance. Unfortunately, the first representative I spoke with adopted a sarcastic tone, making the situation feel frustrating. After thanking her, I chose to speak with another representative, only to encounter a similar lack of professionalism. Recognizing the need for a different approach, I decided to wait until the next day to try sending another portion of the funds. When I attempted to do so, I discovered that Zelle had flagged my transaction as suspicious. The representative I spoke with next asked multiple questions, which added to my discomfort. Despite my correct answers, the tone of the conversation felt unwelcoming. Eventually, she requested a video call for verification, but technical difficulties on her end led to a prolonged hold time. Faced with poor service, I decided it was best to hang up. On the following day, I attempted to send another portion of the money, only to discover that the name and number of the recipient had been removed. I received a message indicating that I was not authorized to add or remove this person. When I called again, I had the pleasure of speaking with Ms. Katie Santos, who was respectful and efficient in resolving my issue. Initially, I mistakenly left my review for the Ormond Beach branch, but the next day, the Vice President of that branch reached out to me. She was kind and considerate, ensuring my situation was escalated and that I received adequate support. Subsequently, VyStar contacted me to confirm they were taking steps to prevent similar issues in the future. To my surprise, the Vice President of the Ormond Beach branch followed up again to ensure I had the assistance I needed. I genuinely appreciate the lengths VyStar has gone to in supporting their customers. This experience has shown me that they are a credit union dedicated to valuing their members. I believe their willingness to address feedback and improve their services contributes significantly to building trust and respect among their customers.”

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Posted 3 months ago

“After being a member of Vystar since 2002 an ex employee.... I can't believe how one situation they have blown my ability to use my account. I live out of state and there is no forgiveness when a situation was taken care of. I am done and out!”

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Posted 3 months ago

“Made a visit today after work to Vystar with help with a money market and consolidate are loans into one. Needed to try and save some money. Lucky for us, Ehab Basilious helped us more than we could imagine. He was outstanding and made a big difference for us financially. Thank you Ehab for your previous help and help yesterday. You hit grand slams when you step up to the plate!!! Thank you!!!!!”

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Posted 3 months ago

“The staff is wonderful. However if an online retailer takes too much money out of your account, they won't help. I lost $134.”

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Posted 4 months ago

“Lisa Smith extremly satisfied , very helpful”

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Posted 4 months ago

“Thank you Katrina at Vystar Main St branch. Your excellent customer service is greatly appreciated. Katrina went above and beyond to help me. She listened to my long story, and responded with compassion. Every one at this branch is always friendly and professional.”

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Posted 4 months ago

“Sarah Coston helped myself and my friend in professional and informative manner. This was at the Vystar off Normandy in Jacksonville.”

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Posted 4 months ago

“I have been a customer for over 35 year back when it was jax navy credit union my credit is good I have had loans through vystar paid them off I have less than 50% debt to credit income I went in for a loan today with my and my wife's income applied and they declined us a loan they wouldn't even give us a counter offer what is going on with vystar? I'm going to move my membership this is unbelievable. They don't have great customer service like they used to im done with them.”

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Posted 4 months ago

“Zach was a great help to my us today. We had several transactions and he handled all of them with excellent customer service.”

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Posted 4 months ago

“The representative Alaa Al Shaikhli was very courteous. She was very knowledgeable and had my best interests at heart. I would highly recommend Vystar/Winter Park branch.”

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Posted 4 months ago

“On March 21st, I visited the VyStar branch in St. Augustine (Ponce De Leon Blvd). While there, I canceled my business savings-secured credit card, applied for a new card, and opened a business checking account. I had a 750+ credit score based on a personal VyStar credit card I held for over four years. That card was canceled last year, and after doing so, my credit score dropped to zero. When I asked VyStar, they told me they don’t report a credit score once a card is inactive or canceled. However, according to every other bank and credit bureau I’ve spoken to, that’s not how credit reporting works. If I had years of credit history, that data should remain on my report for up to 10 years, even after the card is closed. A score might drop, but it shouldn’t become “unscorable” in less than a year. Because of this zero score, VyStar denied my new credit card application. They opened the checking account but did not cancel the secured credit card—which still has $5,000 tied to it. I’ve called multiple times (April 2nd, 6th, 11th, and 14th) to have the card closed and the funds returned. Each time, I was told it would be handled, but the card is still active and the money hasn't been moved. No one has followed up, and I’ve received no explanation for the delay or when it will actually be resolved. They still have my $5,000 and have yet to transfer it to my savings.”

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Posted 4 months ago

“I had the most insensitive, lack of any compassion, and morally corrupt experience with this credit union…and I have never been late on a payment! It was an insurance issue. They weren’t willing to work with us at all. They told me they don’t send out emails, only physical mail. The amount of money we have to pay to keep our RV (again, of which we’ve never been late paying on), is obscene and a reminder of the greed that permeates the air. I will never work with this bank again and will never recommend them to anyone!”

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Posted 4 months ago

“During my recent interaction at the bank, the teller Veronica Ebri was a very lovely lady, she was very patient with me and attentive to my needs, making the process go smoothly.”

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Posted 4 months ago

“Jokeia was helpful, efficient and friendly. She resolved my problem quickly. Julington Creek location is by far the best branch in my area.”

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Posted 4 months ago

VyStar Credit Union is rated 2.8 based on 282 reviews