VyStar Facts
Stay connected to your credit union anytime — even on the go.
3rd Quarter | 2025
Featured in this Issue
In this update from President/CEO Brian Wolfburg, learn how we work with members to help our credit union flourish.
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Learn how one VyStar member recently redeemed her credit card rewards points for an important purchase.
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Life gets busy. One way to make it a little easier — and more organized — is to enroll in autopay.
Read MoreBuilding a Stronger and More Impactful Credit Union
VyStar Credit Union is our credit union. As a member-owned financial institution, every step forward we take is one we take together. For more than 70 years, you’ve helped shape the decisions we make, the products and services we offer and the impact we create.
What makes credit unions different is also what makes them special: shared ownership. When you use the tools and services we offer, recommend us to family and friends, support our community efforts and stay engaged in your membership, you help make VyStar stronger for yourself, other members and the places we call home.
How You Can Make A Difference
Our commitment is to help every member achieve their financial goals, and we’re at our best when we all take part. When more members use digital tools like e-Statements, Online Banking, the VyStar Mobile app or VyChat, we’re able to efficiently serve more people at a lower cost. Those savings are returned to you through better rates, fewer fees and expanded benefits. If you haven't tried these tools yet, visit our Member Support page to explore how you can make banking easier.
How VyStar Does Our Part
Just as your actions make VyStar stronger, we’re continually looking at how we can serve you more efficiently and responsibly. For example, we manage our branch and ATM network by evaluating areas with strong coverage and reallocating resources where we’re needed most. This enables us to serve more members and stay financially strong for years to come.
How We Extend Our Impact
The same spirit of shared responsibility that strengthens VyStar also drives our commitment to the communities we serve. Each year, we support hundreds of local organizations, helping to create jobs, enhance public spaces and stimulate economic growth, all of which contribute to more vibrant communities. These investments also help raise awareness of our purpose and values, which can attract new members and further strengthen our financial position.
When we invest in the places that make our neighborhoods special, we do so on behalf of our membership. We hope you feel a strong sense of pride in the difference you help make just by being a VyStar member.
A Stronger Future Starts Here
Every action, no matter how small, helps build something bigger. And we all have a role to play. That’s what makes VyStar special and it’s what will carry us forward.
Thank you for being a VyStar member. Together, we’re building a stronger and more impactful credit union. Our credit union.
Sincerely,
Brian E. Wolfburg
President/CEO
VyStar Credit Union
How VyStar’s Express Team Supports Members
At VyStar, we are here to help our members thrive financially — from the moment they open their account through every stage of life. That’s where the VyStar Express Team makes such an important difference.
This growing virtual team specializes in welcoming new members who join online and proactively reaching out to both new and existing members — often 60 to 80 members a day — to offer personalized lending solutions. Whether it’s consolidating debt, refinancing loans or simply listening to better understand their challenges, the Express Team is committed to helping members enjoy peace of mind.
Though they don’t meet members face to face, the service they provide is deeply personal. By taking the time to understand each member’s full financial picture, team members uncover opportunities to make a real difference, one conversation at a time.
Debbie’s Dedication in Action
Debbie, a standout member of the Express Team, recently made a lasting impact on two members facing very different challenges.
In both cases, Debbie’s approach was the same: listen carefully and provide meaningful guidance.
In the first instance, Debbie connected with a member carrying high-interest credit card debt — some with rates as high as 29% — and an auto loan from another lender. After a thoughtful conversation, Debbie helped him consolidate his debt, refinance the auto loan and even secured a 90-day payment reprieve.
“I’ve never had a bank reach out to me when I needed help the most,” the member said. “Debbie was there every step of the way for me and my family. We’re incredibly grateful for her dedication and the outstanding support she provided.”
Transforming Financial Futures
In another instance, Debbie assisted a longtime member facing mounting legal expenses from a home renovation project. The member had multiple loans and growing monthly payments. By refinancing over $175,000 in loans, Debbie helped reduce his payments by nearly $600 a month and helped save up to $23,000 in interest over time.
These are just two examples of what the VyStar Express Team is all about: meeting members where they are, offering thoughtful guidance and ensuring they feel supported at every step of their financial journey.
VyStar's Better Banking Stories series showcases real members and the VyStar employees who go above and beyond to help them. Read these and more on the VyStar Blog.
Help Keep Your Account Secure
Protecting your financial information is a partnership we take seriously. We are seeing a rise in phishing attempts where members receive a text message or email from individuals posing as financial institutions, well-known companies or government agencies.
Remember, VyStar will never call and ask you for one-time passcodes, debit or credit card information, account security questions or Online & Mobile Banking credentials.
Visit our Fraud Protection page to learn more.
Redeem Big with Your VyStar Credit Card Rewards
We enjoy seeing how members turn purchases into something special. With the VyStar Visa® Signature Rewards credit card, your spending covers today’s needs and lets you reward yourself in the future.
Lisa, a longtime VyStar member, recently used her uChoose Rewards points to purchase a new MacBook Air (retail price: $1,199) for her daughter as she started nursing school.
“I found uChoose Rewards through VyStar’s Online & Mobile Banking,” she said. “One thing led to another — it was very easy.”
Whether you’re saving for something special or just want to make your everyday spending work harder, our Signature Rewards card helps you earn more with every purchase.
VyStar+ Checking
VyStar+ Checking is the checking account that takes your banking needs into the equation. With a VyStar+ Checking Account, you enjoy exclusive benefits, exceptional checking services and savings that really add up.
3 Reasons to Enroll in Autopay
Life gets busy. One way to make it a little easier — and more organized — is to enroll in autopay for your VyStar Visa® credit card. Here are three ways enrolling in autopay can help you reach your financial goals.
See What's Coming Up
Every Saturday
Jacksonville, FL
VyStar Free Saturdays at MOCA
August 10 & September 14
Orlando, FL
Mennello Museum Free Family Fun Day
August 30
Tallahassee, FL
FSU Football Season Home Opener
August 30
Gainesville, FL
UF Football Season Home Opener
September 19-21
Savannah, GA
44th Annual Savannah Jazz Festival. Free Generall Admission.
September 27
Jacksonville, FL
VyStar Emerald Trail 5K/10K
October 11 & 12
Atlanta, GA
Atlanta Pride Festival
VyStar Perks
Being a VyStar member gives you access to great rates, low fees and outstanding service. It also means getting to enjoy special discounts, rewards and more.
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