Consumer Loan Rates
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.
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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% |
| Loan Type |
Term |
APR as low as |
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% |
| Loan Type |
Term |
APR as low as |
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% |
| Loan Type |
Term |
APR as low as |
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% |
| Loan Type |
Term |
APR as low as |
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% |
| Loan Type |
Term |
APR as low as |
| 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% |
| Loan Type |
Term |
APR as low as |
| 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% |
| Loan Type |
Term |
APR as low as |
| New Personal Watercraft5 |
Up to 36 months |
7.00% |
| |
37 - 48 months |
7.00% |
| |
49 - 60 months |
7.50% |
| |
61 - 72 months |
7.50% |
| Loan Type |
Term |
APR as low as |
| Used Personal Watercraft5 |
Up to 36 months |
7.25% |
| |
37 - 48 months |
7.25% |
| |
49 - 60 months |
7.75% |
| |
61 - 72 months |
7.75% |
| Loan Type |
Term |
APR as low as |
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% |
| Loan Type |
Term |
APR as low as |
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% |
| Loan Type |
Term |
APR as low as |
| 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% |
| Loan Type |
Term |
APR as low as |
| 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% |
| Loan Type |
Term |
APR as low as |
| 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% |
| Loan Type |
Term |
APR as low as |
| 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% |
| Loan Type |
Term |
APR as low as |
| 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% |
| Loan Type |
Term |
APR as low as |
Personal Signature Line of Credit1
Variable Rate |
Up to 60 months |
11.99% |
| Loan Type |
Term |
APR |
| 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 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 loans 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 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.