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.

Loan Type		Term	APR as low as
Effective Date 1/2/2019
New Vehicles⁵ Model years 2018 or newer Apply Now		Up to 24 months	2.94%
		25 - 36 months	3.24%
		37 - 48 months	3.49%
		49 - 60 months	3.79%
	$14,000 min MSRP or loan amount	61 - 72 months	4.04%
	$25,000 min MSRP or loan amount	73 - 84 months	5.54%
Used Vehicles⁵ Model years 2012- 2017 Apply Now		Up to 24 months	3.49%
		25 - 36 months	3.69%
		37 - 48 months	3.99%
		49 - 60 months	4.19%
	$14,000 min current retail value	61 - 72 months	4.44%
Older Model Year Vehicles⁵ Model years 2011 or older Apply Now		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 Apply Now		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 Apply Now		Up to 24 months	7.00%
		25 - 36 months	7.00%
		37 - 48 months	7.00%
		49 - 60 months	7.00%
New Boats⁵ 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 & Trailers⁵ 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 Watercraft⁵ 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 Watercraft⁵ 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 Boats⁵ 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 Boats⁵ 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 & Scooters⁵ 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 & Scooters⁵ 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 Homes⁵ 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 Homes⁵ 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 Signature⁵ 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	13.24%
Adoption Line of Credit Apply Now		Up to 120 months	8.99%
Pay and Save Loan² Apply Now		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 Loan: 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.