Why Credit Union rates and fees are so much better than bank rates and fees. A CREDIT UNION is a member-centric, not-for-profit financial cooperative. A BANK is a for-profit institution focused on generating returns for its shareholders. This fundamental difference result in credit unions offering more favorable rates and fewer fees to their members. Vystar Credit Union is the 13th largest credit union in the country with over $14 billion in assets. EXTENSIVE PRODUCT LINE 100% Financing - $1,200