Visit https://www.vystarcu.org/why-join/become-a-member for membership qualifications details. $5 deposit in a primary savings account required for membership. Must mention the offer upon account opening.  

 *$5 deposit in a primary savings account required for membership. Must mention the offer upon account opening. $25 credited on or around 30 days following account opening at the Hamlin branch, $150 credited for establishing a recurring direct deposit into the new VyStar+ Checking account and completing at least 15 debit card transactions within 90 days of account opening (credit on or around 91 days from account opening), and up to $250 for referring 10 friends: $25 credited for referring each friend who opens a VyStar+ Checking account at Hamlin branch (credited on or around 30 days following friend’s account opening. Limited to 10 referrals a year). Referred new member must present referring member’s contact information at time of account opening, for referring member to receive $25 incentive. Only accounts opened before August 31, 2026 at the VyStar Hamlin branch will qualify for this promotion. Credit union programs, promotions, rates, services, terms and conditions are subject to change at any time without notice. Certain restrictions and limitations apply.

† Estimated values are based on approximate annual costs or savings for similar benefits in the marketplace. Benefits and features may vary by provider and may not necessarily reflect the exact features of the benefits offered through the VyStar+ Checking Account. Estimated values provided are approximate annual costs and savings as of January 2026 and are subject to change. No cash value is implied with use of this account or any of its features.

1- Posting is contingent on the originator releasing the payments into the network early.

2- Receive a reimbursement of up to $800 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. $50 deductible applies. Up to two claims and maximum of $1,000 per eligible account, per twelve- month period Covers up to four phones on a cell phone bill. (Cell phone bill must be paid through eligible account.)

3 - Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. All Guide to Benefits/insurance documents can be found online at vystarplus.vystarcu.org or through the VyStar+ Benefits Center mobile app. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

4- 0.25% rate discount will be applied after loan funding of a new or used auto purchase and verification of VyStar+ Checking Account loan rate discount. This offer is not available for existing VyStar auto loans. All loans subject to credit approval. VyStar+ Checking Account must be opened prior to loan opening. Rate discount will be applied within thirty (30) days of the loan funding and verification of the VyStar+ Checking and will be effective the date it is processed. The discount will not be applied retroactively. Your VyStar+ checking account discount may be combined with only one (1) additional rate discount, if applicable. Discounts will be automatically applied. Any additional discounts will not be applied or honored. First payment may be due up to 90 days from closing of the loan, certain restrictions may apply. Not all loans may qualify. Finance charges begin accruing as of the loan disbursement date. All credit union programs, services, rates, terms, and conditions are subject to change at any time without notice. Offer may end at any time without notice. If your loan qualifies, the rate discount will be applied after origination and your monthly payment will not be adjusted. The 0.25% discount will reduce the amount of interest, shortening the length of the loan term.

5- Account holder can request up to two (2) fee refunds per account, not per account holder, during a single calendar year (January 1 – December 31). The following fees are eligible for this benefit: Non-Sufficient Funds (NSF), Courtesy Pay, Returned Check – Two Party Check, Official Check, Stop Payment, Dormant/Inactive Account and the VyStar+ Checking monthly fee. To request a refund, member must call the VyStar Contact Center at 904-777-6000 or 800-445-6289 or visit a VyStar branch. Branch locations and operational hours can be found on our Locations page. This benefit does not roll over to the next year. Benefit runs from January 1 – December 31 each calendar year that your VyStar+ Checking Account is open and in good standing. Fee must occur on the VyStar+ account that is being requested for refund and credit will be applied to same VyStar+ account.

Credit union programs, rates, services, terms and conditions are subject to change at any time without notice. Certain restrictions and limitations apply. ©2026 VyStar Credit Union.