VyStar Credit Union Credit Cards

VyStar Credit Union is a leading Florida Credit Union and credit card issuer that offers personal credit cards for everyday use. Browse credit cards below.

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About VyStar Credit Union

VyStar is a Florida-based credit union. The bank has its headquarters in Jacksonville, where it also houses many of its branches.

The bank traces its roots back to the Jax Navy Federal Credit Union, opening with just 12 members and $60 in assets in April 1952. Since its humble origins at the Jacksonville Air Naval Station, the credit union now known as VyStar has grown to be Northeast Florida’s largest mortgage lender.

To date, the bank has over $9 billion in assets and 700,000 members, making it the 16th largest credit union in the nation.

The bank also offers a variety of credit lines and credit cards for everyday use. VyStar Visa credit cards offer credit building, excellent APR, and rewards points through the UChoose Rewards program. The VyStar Savings Secured Visa is one of the best credit union credit cards for people with bad credit or no credit history at all.

Branch Locations

VyStar Credit Union currently operates 59 full-service branches in and around the Jacksonville area. The credit union also has 16 high school branches.

The bank offers approximately 230 owned and operated ATMs in Northern and Central Florida, plus an additional 20,000 charge-free ATMs throughout North America. These surcharge fee ATMs operate under the CO-OP ATM banner, uniting credit union members through the U.S. and Canada.

Who Can Join VyStar Credit Union?

Membership is open to anyone who lives, works, worships, or attends school in several Florida and South Georgia counties. Membership is also open to businesses, churches, clubs, or organizations within those same counties, as well as blood relatives of existing VyStar members.

The following Florida counties are eligible for membership:

  • Alachua
  • Baker
  • Bay
  • Bradford
  • Brevard
  • Calhoun
  • Citrus
  • Clay
  • Columbia
  • Dixie
  • Duval
  • Escambia
  • Flagler
  • Franklin
  • Gadsden
  • Gilchrist
  • Gulf
  • Hernando
  • Hamilton
  • Hillsborough


  • Holmes
  • Jackson
  • Jefferson
  • Lafayette
  • Lake
  • Leon
  • Levy
  • Liberty
  • Madison
  • Marion


  • Nassau
  • Okaloosa
  • Orange
  • Osceola
  • Pasco
  • Pinellas
  • Polk
  • Putnam
  • Santa Rosa
  • Seminole
  • St. johns
  • Sumter
  • Suwannee
  • Taylor
  • Union
  • Volusia
  • Walton
  • Wakulla
  • Washington


The following Georgia counties are eligible for VyStar membership: Camden, Charlton, Glynn, and Ware.

Branch Locations

Frequently Asked Questions

  • Yes and no. VyStar physical branches are located solely in Florida, but membership is open to some GA residents. These residents can use mobile and online banking service, or visit an affiliated CO-OP ATM.

Yes. The bank is the 4th largest lender in NE Florida, with over 700,000 happy members. It’s also the largest mortgage lender in the area. In addition,  VyStar money market accounts perform 59% better than the national average.

  • If you live in Camden, Charlton, Glynn, or Ware county GA, you can join.
  • Like other credit unions, VyStar is not FDIC insured. Instead, the bank is insured through the National Credit Union Share Insurance (NCUSIF). The NCUSIF) is part of the National Credit Union Administration (NCUA). This organization provides up to $250,000 in insurance for the member’s accounts.

More Information

For more information on credit unions like VyStar, visit our dedicated Credit Unions Credit Cards listing page. This page provides easy access to in-depth card reviews from leading unions across the country.

This page also offers more information about the value credit unions offer. These perks include some of the lowest interest rates you’ll pay nationwide, rewards like gas, grocery and restaurant rewards, and travel perks.

For those interested secured credit cards, like the VyStar Savings Secured Visa, we also have excellent resources on building your credit and managing your credit score These resources are found on our Credit Needed landing pages: particularly Bad Credit and No Credit, plus our dedicated Secured Credit Cards listings page.

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