Consumer Loan Rates | VyStar Credit Union

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 7/17/2017

Loan Type

Term

APR as low as

New Vehicles⁵

Model years 2016 or newer

Up to 24 months

1.74%

25 - 36 months

1.99%

37 - 48 months

2.24%

49 - 60 months

2.54%

$14,000 min MSRP or loan amount

61 - 72 months

2.74%

$25,000 min MSRP or loan amount

73 - 84 months

3.99%

Used Vehicles⁵

Model years 2010- 2015

Up to 24 months

2.10%

25 - 36 months

2.34%

37 - 48 months

2.64%

49 - 60 months

2.84%

$14,000 min current retail value

61 - 72 months

2.99%

Older Model Year Vehicles⁵

Model years 2009 or older

Up to 24 months

6.50%

25 - 36 months

6.50%

37 - 48 months

6.75%

49 - 60 months

6.75%

Classic Vehicles⁵

Models listed in N.A.D.A. Classic Car Guide

Up to 24 months

6.50%

25 - 36 months

6.50%

37 - 48 months

6.75%

49 - 60 months

7.00%

$14,000 min current retail value

61 - 72 months

7.25%

New ATVs⁵

Never titled; purchased from dealership;
from states that title ATVs only

Up to 24 months

7.00%

25 - 36 months

7.00%

37 - 48 months

7.00%

49 - 60 months

7.00%

New Boats⁵

Up to 36 months

4.00%

37 - 48 months

4.00%

49 - 60 months

4.00%

61 - 72 months

5.00%

73 - 84 months

5.00%

85 - 96 months

5.00%

97 - 108 months

5.00%

109 - 120 months

5.00%

121 - 144 months

5.50%

145 - 180 months

5.75%

Used Boats, Motors & Trailers⁵

Up to 24 months

4.50%

25 - 36 months

4.50%

37 - 48 months

4.50%

49 - 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 Personal Watercraft⁵

Up to 36 months

7.00%

37 - 48 months

7.00%

49 - 60 months

7.50%

61 - 72 months

7.50%

Used Personal Watercraft⁵

Up to 36 months

7.25%

37 - 48 months

7.25%

49 - 60 months

7.75%

61 - 72 months

7.75%

New Large Boats⁵

26 feet and over

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 Boats⁵

26 feet and over

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 & Scooters⁵

Up to 18 months

5.25%

19 - 24 months

5.25%

25 - 36 months

5.25%

37 - 48 months

5.25%

49 - 60 months

5.50%

$14,000 min MSRP or loan amount

61 - 72 months

6.00%

$25,000 min MSRP or loan amount

73 - 84 months

6.50%

Used Motorcycle & Scooters⁵

Up to 18 months

5.75%

19 - 24 months

5.75%

25 - 36 months

5.75%

37 - 48 months

5.75%

49 - 60 months

6.00%

$14,000 min current retail value

61 - 72 months

6.25%

$25,000 min current retail value

73 - 84 months

6.75%

New RVs & Motor Homes⁵

Up to 60 months

4.00%

61 -72 months

4.00%

73 - 84 months

5.00%

85 - 96 months

5.00%

97 - 108 months

5.00%

109 - 120 months

5.00%

121 - 144 months

6.75%

145 - 180 months

7.75%

Used RVs & Motor Homes⁵

Up to 60 months

4.50%

61 -72 months

4.50%

73 - 84 months

5.50%

85 - 108 months

5.50%

109 - 120 months

6.50%

121 - 144 months

7.75%

145 - 180 months

8.00%

Personal Signature⁵

Up to 12 months

7.25%

13 - 24 months

8.25%

25 - 36 months

9.25%

37 - 48 months

9.25%

49 - 60 months

9.25%

61 - 72 months

11.45%

73 - 84 months

12.25%

Personal Signature Line of Credit¹

Variable Rate

Up to 60 months

11.99%

Pay and Save Loan²

Up to 6 months

14.00%

Savings Secured Loan

Loan Type

Adjustable

Savings Secured³
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 Secured⁴
(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.

²For Pay & Save Subaccounts - Required Deposit as Security: You agree that ten percent (10%) of the amount of the Pay & Save loan, rounded up to the next dollar amount, shall be deposited into your Primary Savings account and pledged as collateral for this loan. As security for your obligation to repay the loan and any amount you owe VyStar, you grant us a security interest in the Deposit. Withdrawal from the pledged Deposit from your Primary Savings account is permitted but if the pledged Deposit is withdrawn your privileges on future Pay & Save loans may be suspended for a period of time determined by the Credit Union. The annual percentage rate does not take into account your required deposit.

³SAVINGS 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.

⁴CERTIFICATE 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.

⁵Example 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.

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.