Skip to Main Content Skip to Internet Banking Skip to Sitemap
COVID-19
We are here to help our members. Branch Status | Mortgage | Loans | Businesses | Stimulus | Announcements
Close Alert
VyStar Credit Union VyStar Credit Union mobile view
  • Login
  • Become a Member
  • Locations
  • Contact Us
Search this site
  • Rates
    • Business Deposit & Loan Rates
    • Certificate Account Rates
    • Consumer Loan Rates
    • Credit Card Rates
    • Deposit Account Rates
    • Home Equity Loans & Lines Rates
    • Mortgage Loan Rates
  • Products & Services
    • Checking & Savings
      • Checking Accounts
        • Money Market
        • Magic*Touch
      • Savings Accounts
        • Holiday Savings Account
        • Certificates of Deposit (CD)
    • Lending
      • Auto & Recreational Loans
      • Personal Loans
      • Mortgages
      • Apply for a Loan
      • Make a Loan Payment
      • Adoption Line of Credit
      • Emergency Relief Loan
    • Business Banking
      • Business Membership
      • Business Deposit Accounts
      • Business Lending
      • Business Services
      • Small Business Resource Library
      • VyStar@Work
    • Cards & Services
      • Credit Cards
      • Debit Cards
      • Visa Reloadable Prepaid Cards
      • Gift Cards
      • uChoose Rewards
    • Investments
      • VyStar Investment Services
    • Insurance
      • Home
      • Auto
      • Family Protection
        • Delta Dental®
    • Real Estate Services
      • VyStar Title Agency
  • Online Services
    • Mobile
      • Mobile Check Deposit
      • Touch ID/Fingerprint Recognition
      • Card Control App
    • Internet Banking Access
      • Bill Pay Services
      • Send Money with Zelle®
      • External Transfers
      • Email, Text and Push Alerts
      • Entitlements
      • Make a VyStar Payment
      • Internet & Mobile Security
      • Ways to Go Green
    • Protection Center
      • Reporting Fraud
      • How to Protect Yourself
        • FraudScout
      • How VyStar Protects You
        • Scam Warnings
  • Financial Tools
    • Advice & Planning
      • Financial Calculators
      • Money Management
      • Financial Counseling
      • Real Estate Tools
        • Should You Refinance?
      • Hurricane Resources
      • Loan Tools
    • Financial How-To
      • Money Makeover
      • Accounts Management
        • Setting Up Direct Deposit
      • Personal Finances
        • Create a Budget
        • Free Credit Report
    • Investments & Insurance Tools
      • Introduction to Insurance
      • Saving for Retirement
      • Investment Vehicles
      • History and Trends of the Stock Market
      • Compound Interest Mind Bend
      • Rule of 72
    • Video Library
    • Brochure Library
    • VyStar University
  • About Us
    • Blog
    • Calendar
      • Holiday Closings
    • Newsroom
      • Current Promotions
      • Coronavirus (COVID-19)
      • VyStar Branch Artwork
    • Organization
      • Our Vision & Mission
      • Our History
      • Our Team
      • Financial Information
    • Community Involvement
      • Dr. Phillips Center Frontyard Festival™
      • Orlando Solar Bears
      • Veterans Memorial Arena
      • High School Branch Programs
      • Sponsorship Requests
      • Get Involved with Community Events
      • Military Support
    • Credit Unions vs. Banks
  • Membership & Benefits
    • Becoming a New Member
      • Join Now - Open an Account
      • Why Join VyStar
      • Who Can Join
      • How To Join
      • VyStar Switch Kit
      • Apply for a Loan
      • Owner's Manual
    • Benefits of VyStar Membership
Login
Search this site

  • Rates
    • Business Deposit & Loan Rates
    • Certificate Account Rates
    • Consumer Loan Rates
    • Credit Card Rates
    • Deposit Account Rates
    • Home Equity Loans & Lines Rates
    • Mortgage Loan Rates
  • Products & Services
    • Checking & Savings
      • Checking Accounts
        • Money Market
        • Magic*Touch
      • Savings Accounts
        • Holiday Savings Account
        • Certificates of Deposit (CD)
    • Lending
      • Auto & Recreational Loans
      • Personal Loans
      • Mortgages
      • Apply for a Loan
      • Make a Loan Payment
      • Adoption Line of Credit
      • Emergency Relief Loan
    • Business Banking
      • Business Membership
      • Business Deposit Accounts
      • Business Lending
      • Business Services
      • Small Business Resource Library
      • VyStar@Work
    • Cards & Services
      • Credit Cards
      • Debit Cards
      • Visa Reloadable Prepaid Cards
      • Gift Cards
      • uChoose Rewards
    • Investments
      • VyStar Investment Services
    • Insurance
      • Home
      • Auto
      • Family Protection
        • Delta Dental®
    • Real Estate Services
      • VyStar Title Agency
  • Online Services
    • Mobile
      • Mobile Check Deposit
      • Touch ID/Fingerprint Recognition
      • Card Control App
    • Internet Banking Access
      • Bill Pay Services
      • Send Money with Zelle®
      • External Transfers
      • Email, Text and Push Alerts
      • Entitlements
      • Make a VyStar Payment
      • Internet & Mobile Security
      • Ways to Go Green
    • Protection Center
      • Reporting Fraud
      • How to Protect Yourself
        • FraudScout
      • How VyStar Protects You
        • Scam Warnings
  • Financial Tools
    • Advice & Planning
      • Financial Calculators
      • Money Management
      • Financial Counseling
      • Real Estate Tools
        • Should You Refinance?
      • Hurricane Resources
      • Loan Tools
    • Financial How-To
      • Money Makeover
      • Accounts Management
        • Setting Up Direct Deposit
      • Personal Finances
        • Create a Budget
        • Free Credit Report
    • Investments & Insurance Tools
      • Introduction to Insurance
      • Saving for Retirement
      • Investment Vehicles
      • History and Trends of the Stock Market
      • Compound Interest Mind Bend
      • Rule of 72
    • Video Library
    • Brochure Library
    • VyStar University
  • About Us
    • Blog
    • Calendar
      • Holiday Closings
    • Newsroom
      • Current Promotions
      • Coronavirus (COVID-19)
      • VyStar Branch Artwork
    • Organization
      • Our Vision & Mission
      • Our History
      • Our Team
      • Financial Information
    • Community Involvement
      • Dr. Phillips Center Frontyard Festival™
      • Orlando Solar Bears
      • Veterans Memorial Arena
      • High School Branch Programs
      • Sponsorship Requests
      • Get Involved with Community Events
      • Military Support
    • Credit Unions vs. Banks
  • Membership & Benefits
    • Becoming a New Member
      • Join Now - Open an Account
      • Why Join VyStar
      • Who Can Join
      • How To Join
      • VyStar Switch Kit
      • Apply for a Loan
      • Owner's Manual
    • Benefits of VyStar Membership

  • Login
  • Become a Member
  • Locations
  • Contact Us
Home > Financial Tools > Advice & Planning > Financial Counseling

Free Financial Counseling

If you find yourself facing financial difficulties, don’t face them alone. We’re here to answer your questions and provide practical advice and solutions, free of charge. 

Whether you’re looking for loan options, or just need some financial advice, please call a VyStar Representative at 904-777-6000 or 800-445-6289 or stop by any VyStar branch. We also offer a full-time Financial Counselor on Jacksonville’s military base at our NAS Jax Branch, Building #39.

BALANCE Counseling & Education

Balance LogoIn addition to meeting with VyStar Representatives, members also benefit from access to BALANCE, a free and confidential financial counseling and education program committed to helping you take control of your finances and reach your goals. 

  • Feel like you’re always a paycheck behind?
  • Has paying your bills each month become a balancing act?
  • Do you have trouble saving money that will help you recover from a crisis, such as a lost job or medical problem?
  • Are you arguing with family members or losing sleep over money matters?
  • Or, do you simply have questions that will help you achieve your financial goals but don’t have the time to ask?

BALANCE counselors are qualified to discuss general money management, credit and housing topics including goal setting, spending and savings plans, credit and credit reports, debt management, buying a first home, mortgage delinquency and foreclosure prevention. Each session is goal oriented and results in a written action plan clearly outlining the steps you and your counselor decide to take in order to establish personal financial control.

Appointments are available weekdays, evenings, and weekends. The average counseling session lasts approximately one hour, and there is no limit on the number of sessions you may have. To make an appointment, call 800-777-7526 during the following times. All times Eastern:  

Monday–Thursday: 8 a.m.–11 p.m.
Friday: 8 a.m.–8 p.m.
Saturday: 11 a.m.–8 p.m.

Services are offered in many languages and to the hearing-impaired.

Advice & Planning
  • Financial Calculators
  • Money Management
  • Financial Counseling
  • Real Estate Tools
  • Hurricane Resources
  • Loan Tools
Related Resources

Money Makeover

Debt Consolidation

FraudScout

  • Rates
    • Business Deposit & Loan Rates
    • Certificate Account Rates
    • Consumer Loan Rates
    • Credit Card Rates
    • Deposit Account Rates
    • Home Equity Loans & Lines Rates
    • Mortgage Loan Rates
  • Products & Services
    • Checking & Savings
    • Lending
    • Business Banking
    • Cards & Services
    • Investments
    • Insurance
    • Real Estate Services
  • Online Services
    • Mobile
    • Internet Banking Access
    • Protection Center
  • Financial Tools
    • Advice & Planning
    • Financial How-To
    • Investments & Insurance Tools
    • Video Library
    • Brochure Library
    • VyStar University
  • About Us
    • Blog
    • Calendar
    • Newsroom
    • Organization
    • Community Involvement
    • Credit Unions vs. Banks
  • Membership & Benefits
    • Becoming a New Member
    • Benefits of VyStar Membership
  • Like our page on Facebook
  • See our photo stream on Instagram
  • Follow us on Twitter
  • Subscribe to our YouTube channel
  • Check us out on LinkedIn
  • Explore our Pins
  • Sitemap
  • Careers
  • Disclosures
  • Privacy
  • Security
  • Accessibility

VyStar Credit Union
P.O. Box 45085
Jacksonville FL 32232
904-777-6000 or 800-445-6289
Routing Number 263079276

  • Federally Insured by NCUA
  • Equal Housing Lender
  • Verified by Visa