Consumer Loan Rates

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VyStar offers a variety of consumer loans:

• New, Used, Classic, and Older Model Autos

• New & Used Boats

• New & Used RVs

• New & Used Motorcycles

• New ATVs

• Unsecured Signature Loans and Lines of Credit

All rates are based on an evaluation of the member's individual credit history. Your actual rate may vary. All rates and terms are subject to conditions and certain restrictions may apply.

Effective Date 1/1/2020
Loan Type		Term	APR as low as
New Vehicles4 Model years 2019 or newer Apply Now		Up to 24 months	3.24%
		25 - 36 months	3.24%
		37 - 48 months	3.24%
		49 - 60 months	3.54%
	$14,000 min MSRP or loan amount	61 - 72 months	3.79%
	$25,000 min MSRP or loan amount	73 - 84 months	5.29%
Used Vehicles4 Model years 2013- 2018 Apply Now		Up to 24 months	3.74%
		25 - 36 months	3.74%
		37 - 48 months	3.74%
		49 - 60 months	3.94%
	$14,000 min current retail value	61 - 72 months	4.19%
Older Model Year Vehicles4 Model years 2012 or older Apply Now		Up to 24 months	6.65%
		25 - 36 months	6.65%
		37 - 48 months	6.65%
		49 - 60 months	6.65%
Classic Vehicles4 Models listed in N.A.D.A. Classic Car Guide Apply Now		Up to 24 months	6.75%
		25 - 36 months	6.75%
		37 - 48 months	6.75%
		49 - 60 months	7.00%
	$14,000 min current retail value	61 - 72 months	7.25%
New ATVs4 Never titled; purchased from dealership; from states that title ATVs only Apply Now		Up to 24 months	7.00%
		25 - 36 months	7.00%
		37 - 48 months	7.00%
		49 - 60 months	7.00%
New Boats4 Apply Now		Up to 36 months	4.75%
		37 - 48 months	4.75%
		49 - 60 months	4.75%
		61 - 72 months	5.50%
		73 - 84 months	5.50%
		85 - 96 months	5.50%
		97 - 108 months	5.50%
		109 - 120 months	5.50%
		121 - 144 months	5.85%
		145 - 180 months	5.99%
Used Boats, Motors & Trailers4 Apply Now		Up to 24 months	4.99%
		25 - 36 months	4.99%
		37 - 48 months	4.99%
		49 - 60 months	4.99%
		61 - 72 months	5.75%
		73 - 84 months	5.75%
		85 - 96 months	5.75%
		97 - 108 months	5.75%
		109 - 120 months	5.75%
		121 - 144 months	5.99%
		145 - 180 months	6.25%
New Personal Watercraft4 Apply Now		Up to 36 months	7.00%
		37 - 48 months	7.00%
		49 - 60 months	7.50%
		61 - 72 months	7.50%
Used Personal Watercraft4 Apply Now		Up to 36 months	7.25%
		37 - 48 months	7.25%
		49 - 60 months	7.75%
		61 - 72 months	7.75%
New Large Boats4 26 feet and over Apply Now		Up to 60 months	4.00%
		61 - 72 months	5.00%
		73 - 84 months	5.00%
		85 - 96 months	5.00%
		97 - 120 months	5.00%
		121 - 144 months	5.50%
		145 - 180 months	5.75%
Used Large Boats4 26 feet and over Apply Now		Up to 60 months	4.50%
		61 - 72 months	5.25%
		73 - 84 months	5.25%
		85 - 96 months	5.25%
		97 - 108 months	5.25%
		109 - 120 months	5.25%
		121 - 144 months	5.75%
		145 - 180 months	6.00%
New Motorcycle & Scooters4 Apply Now		Up to 18 months	5.49%
		19 - 24 months	5.49%
		25 - 36 months	5.49%
		37 - 48 months	5.49%
		49 - 60 months	5.79%
	$14,000 min MSRP or loan amount	61 - 72 months	5.99%
	$25,000 min MSRP or loan amount	73 - 84 months	6.50%
Used Motorcycle & Scooters4 Apply Now		Up to 18 months	5.99%
		19 - 24 months	5.99%
		25 - 36 months	5.99%
		37 - 48 months	5.99%
		49 - 60 months	6.25%
	$14,000 min current retail value	61 - 72 months	6.49%
	$25,000 min current retail value	73 - 84 months	6.99%
New RVs & Motor Homes4 Apply Now		Up to 60 months	4.50%
		61 -72 months	4.50%
		73 - 84 months	5.25%
		85 - 96 months	5.25%
		97 - 108 months	5.25%
		109 - 120 months	5.25%
		121 - 144 months	6.75%
		145 - 180 months	7.75%
Used RVs & Motor Homes4 Apply Now		Up to 60 months	4.99%
		61 -72 months	4.99%
		73 - 84 months	5.75%
		85 - 108 months	5.75%
		109 - 120 months	6.75%
		121 - 144 months	7.75%
		145 - 180 months	8.00%
Personal Signature4 Apply Now		Up to 12 months	7.99%
		13 - 24 months	8.25%
		25 - 36 months	8.49%
		37 - 48 months	9.25%
		49 - 60 months	9.49%
		61 - 72 months	10.99%
		73 - 84 months	11.49%
Personal Signature Line of Credit1 Variable Rate Apply Now		Up to 60 months	12.49%
Adoption Line of Credit Apply Now		Up to 120 months	8.99%
Payday Alternative Loan Apply Now		Up to 12 months	14.00%

Savings Secured Loan

Loan Type	Adjustable
Savings Secured2 Variable Rate (Fully Secured against primary savings) Rates may be increased or decreased on the existing unpaid balances	2.00% (Above the current primary savings account earnings rate.)
Certificate Secured3 (Fully Secured until certificate maturity) Maximum Loan Amount 90% of Certificate balance	2.00% (Above the highest earnings rate on the certificate.)

1For Personal Signature Lines of Credit. Variable Annual Percentage Rate (APR) is tied to The Wall Street Journal Prime Rate plus a margin. The variable APR is determined and adjusted monthly (on the first business day) by adding a margin to the Prime Rate published in The Wall Street Journal on the last business day of the previous month. The margin is determined based on an evaluation of each member's individual credit history. The APR will be The Wall Street Journal Prime Rate plus a margin. Minimum payments due will be based on a percentage of the outstanding principal balance at the end of the billing cycle. The minimum monthly payment will equal 3.00% of the outstanding principal balance of your loan at the end of the monthly billing cycle or $25, whichever is greater.

2SAVINGS SECURED: The Annual Percentage Rate (APR) for savings secured advances will be 2% above the current dividend rate being paid on the primary savings account which may vary.

3CERTIFICATE SECURED: The Annual Percentage Rate (APR) will be the dividend rate being paid on the certificate offered as security plus 2%. The advance will be made for the length of the certificate only. The certificate must be renewed until the advance is completely paid. Failure to renew the certificate will result in default under the Plan. When the certificate is renewed the APR will change to reflect the new dividend rate. IRA Certificates and Certificates under a Trust Account are not eligible to be pledged as collateral for a Certificate Secured Subaccount.

4Example monthly payments per $1,000: $85.61 for 12 months at 5.00% APR, $43.87 for 24 months at 5.00% APR, $29.97 for 36 months at 5.00% APR, $23.03 for 48 months at 5.00% APR, $18.87 for 60 months at 5.00% APR, and $16.10 for 72 months at 5.00% APR.

Product offers, terms and other information provided herein are subject to change without notice. Due to the occasional inaccessibility to our web site which may be beyond our control, VyStar cannot guarantee the completeness or accuracy of the information provided herein. The information provided to you on our calculators is estimated and provided solely for your interactive enjoyment. The results are not guaranteed to be accurate. To verify current offers and rates, please call (904) 777-6000 or 1 (800) 445-6289.

VyStar Credit Union does business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.