Vystar Federal Credit Union

Headquarters: Jacksonville, Florida
Charter: Credit Union
Assets: $14.3B
Fed district: Atlanta
Regulator: NCUA

16 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 30, 2026.

Overview

Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 30, 2026

How these figures are measured

Call-report figures are for Vystar Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	NCUA 5300 call report Account 010	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Revenue	Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 115 + Account 117	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee income	Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 131	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee-income share of revenue	Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Vystar Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 30, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Vystar Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $21.6M in Q2 2026, 39% above the same quarter a year earlier ($15.5M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
VyStar+ Checking
Vystar Federal Credit Union: $5.99
Vystar Federal Credit Union: $5.99
U.S. median: no median
NSF / Returned Item
Vystar Federal Credit Union: $32
Vystar Federal Credit Union: $32
U.S. median: no median
Non-Network ATM
Vystar Federal Credit Union: $1.50
Vystar Federal Credit Union: $1.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 30, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Florida: Banks and credit unions headquartered in Florida that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income rose 26% from Q3 2025 to Q2 2026, to $21.6M.

Fee income, Q2 2026

$21.6M

$17.1MQ3 2025

$18.3MQ4 2025

$20.2MQ1 2026

$21.6MQ2 2026

Against the median

Vystar Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Vystar Federal Credit Union · $14.3B in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.

Credit unions only
$9.1B to $19.4B in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Vystar Federal Credit Union(this institution)	Jacksonville, FL	$14.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Broadview Federal Credit Union	Albany, NY	$9.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Delta Community Federal Credit Union	Atlanta, GA	$9.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Desert Financial Federal Credit Union	Phoenix, AZ	$9.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Eastman Federal Credit Union	Kingsport, TN	$10.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Ent Federal Credit Union	Colorado Springs, CO	$19.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Esl Federal Credit Union	Rochester, NY	$10.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Fourleaf Federal Credit Union	Bethpage, NY	$14.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Global Federal Credit Union	Anchorage, AK	$13B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Greenstate Federal Credit Union	North Liberty, IA	$10.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Idaho Central Federal Credit Union	Chubbuck, ID	$15.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Lake Michigan Federal Credit Union	Grand Rapids, MI	$17.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Logix Federal Credit Union	Valencia, CA	$9.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Midflorida Federal Credit Union	Lakeland, FL	$9.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Onpoint Community Federal Credit Union	Portland, OR	$9.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Patelco Federal Credit Union	Dublin, CA	$9.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Pennsylvania State Employees Federal Credit Union	Harrisburg, PA	$9.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Redwood Credit Union	Santa Rosa, CA	$10.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
San Diego County Federal Credit Union	San Diego, CA	$9.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Security Service Federal Credit Union	San Antonio, TX	$14.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Space Coast Federal Credit Union	Melbourne, FL	$9.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Star One Federal Credit Union	Sunnyvale, CA	$9.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Teachers Federal Credit Union	Smithtown, NY	$9.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
United Nations Federal Credit Union	Long Island City, NY	$10.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Veridian Federal Credit Union	Waterloo, IA	$9.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wright-Patt Credit Union, Inc.	Beavercreek, OH	$9.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $1.24 (17%) below the median of similar-sized credit unions.

Its published price is $5.99, against a peer median of $7.23 among 14 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Vystar Federal Credit Uni…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Vystar Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $21.6M
vs prior quarter: +$1.5M+7.2%; from Q1 2026
vs a year earlier: +$6.1M+39.4%; from Q2 2025
vs start of range: +$5.9M+37.8%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Vystar Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$21.6M	+$1.5M	+7.2%
Q1 2026	$20.2M	+$1.9M	+10.2%
Q4 2025	$18.3M	+$1.1M	+6.7%
Q3 2025	$17.1M	+$1.6M	+10.6%
Q2 2025	$15.5M	+$1.3M	+8.8%
Q1 2025	$14.3M	−$2.0M	−12.6%
Q4 2024	$16.3M	+$611K	+3.9%
Q3 2024	$15.7M	+$2.1M	+15.3%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Vystar Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

VyStar+ Checking Monthly Service Fee$5.99
per month
Dormant/Inactive Account$5
Not compared: Quarterly charge, not monthly
per quarter
Account Research & Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Statement Fee$2
Bad Address Fee$5

Overdraft & NSF

Non-Sufficient Funds (NSF)$32
Overdraft Transfer Fee$2

ATM & Card

Kids Club: ATM Convenience Fee$1.50
per item
Credit/Debit Card Replacement$7.50
Rush Delivery Card Replacement$25
Debit Card Foreign Transaction Fee1%of the transaction

Wire Transfers

Outgoing Wires$20
Incoming Wire$10

Check Services

Official Check$3
per item
Stop Payment$15
Foreign Check Collection$10

Account Services

Legal Processing$75
per item

Lending Fees

Late Payment (20 Days or More)$15

Other Fees

Statement Copy$2

Fee	Amount	Basis	Note
Account Maintenance
VyStar+ Checking Monthly Service Fee	$5.99	per month	None
Dormant/Inactive Account	$5Not compared: Quarterly charge, not monthly	per quarter	None
Account Research & Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Statement Fee	$2	Not stated	None
Bad Address Fee	$5	Not stated	None
Overdraft & NSF
Non-Sufficient Funds (NSF)	$32	Not stated	None
Overdraft Transfer Fee	$2	Not stated	None
ATM & Card
Kids Club: ATM Convenience Fee	$1.50	per item	None
Credit/Debit Card Replacement	$7.50	Not stated	None
Rush Delivery Card Replacement	$25	Not stated	None
Debit Card Foreign Transaction Fee	1%of the transaction	Not stated	None
Wire Transfers
Outgoing Wires	$20	Not stated	None
Incoming Wire	$10	Not stated	None
Check Services
Official Check	$3	per item	None
Stop Payment	$15	Not stated	None
Foreign Check Collection	$10	Not stated	None
Account Services
Legal Processing	$75	per item	None
Lending Fees
Late Payment (20 Days or More)	$15	Not stated	None
Other Fees
Statement Copy	$2	Not stated	None

Correct a fee source

Oct 30, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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