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

Filter: Rated 1 None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“I have been a member for almost two years. I was at the grocery store and went over a $1 and was charged a $29 fee. I tried calling customer service and spoke to “ Rachel “ and all she could say is that I have asked in the past 12 months for a credit. If the bank would deposit and credit in a timely manner. I would have not had to ask. But for a $1…”

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Posted 5 months ago

“I had a car loan from Vystar and paid it off earlier than the actual date. They gave me the payoff amount and so I gave them exactly that amount thinking my car will be paid off. After a month, I received a bill saying I need to pay my monthly payment. I called them because I know I already paid it off. I learned that they did not pay off my car but put the money in my savings account which has an initial deposit of $5. They finally paid off my car and I thought that was it. Later, I received a statement saying that I owe them $14.02. I called and asked why. It took several calls before they could figure it out. It was because I get charged a finance fee every time I have to pay. Now instead of me paying that fee once when I first called, I have to pay it for the second time when they finally paid off the car loan. I disputed that because why would I pay for someone else's mistake. Despite many calls, respectful ones, they said they cannot change it so I have to pay for it. I said okay i will pay for it because I don't want to continue with outstanding debts always receiving statements that I owe them. I will pay it off but I will have to warn people this can happen to them and that I am not happy about this.”

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Posted 5 months ago

“Vystar banking services continue to disappoint. Once again walked in the local Ortega branch of 35 years, understaffed and only two tellers helping 20 customers. Sent multiple emails with no reply. They don't even deserve one star. What is going on? Where is their leadership? They don't care about their customers. Time to find a new bank.”

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Posted 5 months ago

“The web functionality is the worst of any credit union I've been a member of. I used to be able to transfer money to my HSA with no problem. That's gone now. Also, I was able to transfer money from my HELOC with no problem. That functionality is gone as well. Looking for a better CU at this point. Plus it is impossible to leave a message. Their chat feature has a long wait period. Dumb.”

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Posted 6 months ago

“Destiny is extremely rude and unprofessional!”

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Posted 6 months ago

“They outsourced their loan department. I made several large principal payments in December. One day they all showed up as misapplied payment. The funds were never returned to me or applied to my loan. I called once last week and they said they would get back to me. It has been 5 business days. Their mortgage department is too busy to accept phone calls.”

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Posted 7 months ago

“Been with vystar 20 years dont fall for the hype.They are the worst financial instruction in america poor customer service sorry worthless atmosphere have high credit rating but turned down for $1,000. Loan I'm kicking the sorry vystar to the curb”

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Posted 7 months ago

“I am former 121 customer, longest lines i have ever experienced can't wait to change banks Kevin Mccave.”

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Posted 7 months ago

“This establishment is built off of fraud and scamming innocent people who are naive and innocent to invest in the crypto world, it’s a shame that this company couldn’t return my investments even after waiting for a long time, but a colleague of mine introduced me to COVSECLTD*COM and I was surprised at how they were able to recover all of my investments from this scammers”

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Posted 7 months ago

“Vystar is now charging a $5 fee for making loan payments from outside institutions.”

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Posted 7 months ago

“Today on the 9th when the 39th President of our country, Mr Jimmy Carter was being paid to rest, the flag at the Northside Branch on Main Street was flying high. I stepped in an met with a lady officer/associate and told the flag should be half mast. First she acted surprised. Then she said, "We don't operate that. Our maintenance does it." I explained that it can be lowered by you or anybody. "Our maintenance is coming" and off she went. SAD. Our nation is in grief since his death, and the west coast has killed citizens in the massive fire, the Branch is waiting...”

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Posted 7 months ago

“Sat in line at drive thru in Neptune beach fl with one car ahead of me for 10 minutes, absurd. Should have never closed the one in jax beach.”

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Posted 7 months ago

“Been trying to payoff my Morgage for over 1 month. They applied my payoff amount incorrectly, now no one can fix this. Can’t get through to anyone in Morgage department. Now they not only took money out of my account for payoff they now say , I owe more money. I want a resolution, but no one seems to be able to resolve this???! I don’t know what my next step is”

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Posted 7 months ago

“Today makes #8 fraudulent charge against my card since '23. Card stays locked and no $ in that account, but it still has $ taken from it. 12min later I'm being interrogated by someone who can barely read the script. Account to be closed tmrw. Go elsewhere”

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Posted 8 months ago

“Absolutely horrible customer service. They deserve zero stars.”

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Posted 8 months ago

“They are now charging $5.00 a month to receive our payments. This is absurd! I strongly recommend you find loans elsewhere! This is a ZERO star review!”

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Posted 8 months ago

“7 personel, 1 waiting on customers, the rest walking past customers in line. Waited 10 minutes .”

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Posted 8 months ago

“The worst bank to do any vehicle financing with I purchased a Cadillac Escalade with these people. I sent them my full coverage insurance multiple times yet they still keep asking me for it and raise my payment up by $300 stating that they put insurance on my loan, what a disrespectful thief bank unbelievable how many times am I going to have to keep sending you proof of insurance this is the biggest scam and I will be contacting my attorney for sure people if you don’t want this to happen to you do not accept any loans from this bank”

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Posted 8 months ago

“They force you to have an account with them for auto pay and NOW they charge fees to take a payment”

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Posted 8 months ago

“VyStar credit card services are the worst. Even when you owe $0 dollars and try to use your card it will get locked. Then the app won’t even let you unlock the card. If you call them the offices are closed. Not worth the hassle.”

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Posted 8 months ago

VyStar Credit Union is rated 2.8 based on 282 reviews