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Home > Rates > Consumer Loan Rates

Consumer Loan Rates

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 2/1/2021

Loan Type Term APR as low as

New Vehicles4

Model years 2020 or newer

Apply Now
  Up to 24 months 2.74%
25 - 36 months 2.74%
37 - 48 months 2.74%
49 - 60 months 2.94%

$14,000 min. MSRP or loan amt.

61 - 72 months 3.14%

$25,000 min. MSRP or loan amt.

73 - 84 months 4.09%

Used Vehicles4

Model years 2014- 2019

Apply Now
  Up to 24 months 3.24%
25 - 36 months 3.24%
37 - 48 months 3.24%
49 - 60 months 3.34%
$14,000 min. current retail value 61 - 72 months 3.54%

Older Model Year Vehicles4

Model years 2013 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 Boat/Vessels4

Apply Now
  Up to 60 months 5.99%
$15,000 min. MSRP or loan amt. 61 - 72 months 4.74%
$15,000 min. MSRP or loan amt. 73 - 84 months 4.74%
$15,000 min. MSRP or loan amt. 85 - 96 months 4.74%
$15,000 min. MSRP or loan amt. 97 - 120 months 4.74%
$25,000 min. MSRP or loan amt. 121 - 144 months 4.74%
$50,000 min. MSRP or loan amt.
 
145 - 180 months 4.74%
$75,000 min. MSRP or loan amt. 181 - 240 months 4.49%

Used Boat/Vessels4

Apply Now
  Up to 60 months 6.24%
$15,000 min. current retail value 61 - 72 months 4.99%
$15,000 min. current retail value 73 - 84 months 4.99%
$15,000 min. current retail value 85 - 96 months 4.99%
$15,000 min. current retail value 97 - 108 months 4.99%
$15,000 min. current retail value 109 - 120 months 4.99%
$25,000 min. current retail value 121 - 144 months 4.99%
$50,000 min. current retail value 145 - 180 months 4.99%
$75,000 min. current retail value 181 - 240 months 4.74%

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 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 amt. 61 - 72 months 5.99%
$25,000 min. MSRP or loan amt. 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 5.99%
$15,000 min. MSRP or loan amt. 61 -72 months 4.74%
$15,000 min. MSRP or loan amt. 73 - 84 months 4.74%
$15,000 min. MSRP or loan amt. 85 - 96 months 4.74%
$15,000 min. MSRP or loan amt. 97 - 108 months 4.74%
$15,000 min. MSRP or loan amt. 109 - 120 months 4.74%
$25,000 min. MSRP or loan amt. 121 - 144 months 4.74%
$50,000 min. MSRP or loan amt. 145 - 180 months 4.74%
$75,000 min. MSRP or loan amt. 181 - 240 months 4.49%

Used RVs & Motor Homes4

Apply Now
  Up to 60 months 6.24%
$15,000 min. current retail value 61 -72 months 4.99%
$15,000 min. current retail value 73 - 84 months 4.99%
$15,000 min. current retail value 85 - 108 months 4.99%
$15,000 min. current retail value 109 - 120 months 4.99%
$25,000 min. current retail value 121 - 144 months 4.99%
$50,000 min. current retail value 145 - 180 months 4.99%
$75,000 min. current retail value 181 - 240 months 4.74%

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 10.99%

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 800-445-6289.

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

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Auto & Recreational Loans
Auto & Recreational Loans
We believe that your auto loan, like the car itself, should be dependable, within your budget and able to take you exactly where you want to go.
More about Vehicle Loans
Personal Loans
Personal Loans
Our Signature Loans and Personal Lines of Credit have competitive rates and quick approval for your personal needs.
More about Personal Loans
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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