VyStar Credit Union
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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PERSONAL LOAN
Loan Type Approximate Terms APR as low as Effective
Date
New Vehicles
Model years 2011 or newer		 24 months 2.24% 08/03/2011
36 months 2.24% 08/03/2011
48 months 2.49% 08/03/2011
60 months 2.79% 08/03/2011
$14,000 min MSRP or loan amount 72 months 3.24% 08/03/2011
$25,000 min MSRP or loan amount 84 months 4.99% 08/03/2011
Used Vehicles
Model years 2005- 2010		 24 months 2.74% 08/03/2011
36 months 2.74% 08/03/2011
48 months 2.74% 08/03/2011
60 months 2.99% 08/03/2011
$14,000 min Current retail value 72 months 3.49% 08/03/2011
Older Model Year Vehicles
Models years 2004 or older		 24 months 6.50% 08/03/2011
36 months 6.50% 08/03/2011
48 months 6.75% 08/03/2011
60 months 6.75% 08/03/2011
Classic Vehicles
Models listed in N.A.D.A. Classic Car Guide		 24 months 6.50% 08/03/2011
36 months 6.50% 08/03/2011
48 months 6.75% 08/03/2011
60 months 7.00% 08/03/2011
$14,000 min Current retail value 72 months 7.25% 08/03/2011
New ATVs
Never titled; purchased from dealership;
from states that title ATVs only		 24 months 7.00% 08/03/2011
36 months 7.00% 08/03/2011
48 months 7.00% 08/03/2011
60 months 7.00% 08/03/2011
New Boats 36 months 6.50% 08/03/2011
48 months 6.50% 08/03/2011
60 months 6.50% 08/03/2011
72 months 7.00% 08/03/2011
84 months 7.00% 08/03/2011
96 months 7.75% 08/03/2011
108 months 7.75% 08/03/2011
120 months 7.75% 08/03/2011
144 months 8.75% 08/03/2011
180 months 8.75% 08/03/2011
Used Boats, Motors & Trailers 24 months 6.75% 08/03/2011
36 months 6.75% 08/03/2011
48 months 6.75% 08/03/2011
60 months 6.75% 08/03/2011
72 months 7.25% 08/03/2011
84 months 7.25% 08/03/2011
96 months 8.00% 08/03/2011
108 months 8.00% 08/03/2011
120 months 8.00% 08/03/2011
144 months 9.00% 08/03/2011
180 months 9.00% 08/03/2011
New Personal Watercraft 36 months 7.00% 08/03/2011
48 months 7.00% 08/03/2011
60 months 7.50% 08/03/2011
72 months 7.50% 08/03/2011
Used Personal Watercraft 36 months 7.25% 08/03/2011
48 months 7.25% 08/03/2011
60 months 7.75% 08/03/2011
72 months 7.75% 08/03/2011
New Large Boats
26 feet and over		 60 months 6.50% 08/03/2011
72 months 7.00% 08/03/2011
84 months 7.00% 08/03/2011
96 months 7.75% 08/03/2011
120 months 7.75% 08/03/2011
144 months 8.75% 08/03/2011
180 months 8.75% 08/03/2011
Used Large Boats
26 feet and over		 60 months 6.75% 08/03/2011
72 months 7.25% 08/03/2011
84 months 7.25% 08/03/2011
96 months 8.00% 08/03/2011
108 months 8.00% 08/03/2011
120 months 8.00% 08/03/2011
144 months 9.00% 08/03/2011
180 months 9.00% 08/03/2011
New Motorcycle & Scooters 18 months 6.00% 08/03/2011
24 months 6.00% 08/03/2011
36 months 6.00% 08/03/2011
48 months 6.00% 08/03/2011
60 months 6.25% 08/03/2011
$14,000 min MSRP or loan amount 72 months 7.00% 08/03/2011
Used Motorcycle & Scooters 18 months 6.75% 08/03/2011
24 months 6.75% 08/03/2011
36 months 6.75% 08/03/2011
48 months 6.75% 08/03/2011
60 months 7.00% 08/03/2011
$14,000 min MSRP or loan amount 72 months 7.25% 08/03/2011
New RVs & Motor Homes 60 months 6.50% 08/03/2011
72 months 7.00% 08/03/2011
84 months 7.00% 08/03/2011
96 months 7.25% 08/03/2011
108 months 7.25% 08/03/2011
120 months 7.25% 08/03/2011
144 months 7.50% 08/03/2011
180 months 7.75% 08/03/2011
Used RVs & Motor Homes 60 months 6.75% 08/03/2011
72 months 7.25% 08/03/2011
84 months 7.25% 08/03/2011
108 months 7.50% 08/03/2011
120 months 7.50% 08/03/2011
144 months 7.75% 08/03/2011
180 months 8.00% 08/03/2011
Aircraft 96 months 14.25% 08/03/2011
120 months 14.25% 08/03/2011
180 months 14.25% 08/03/2011
Personal Signature 36 months 9.90% 08/03/2011
42 months 9.90% 08/03/2011
48 months 9.90% 08/03/2011
50 months 9.90% 08/03/2011
54 months 9.90% 08/03/2011
60 months 9.90% 08/03/2011
Personal Signature Line of Credit1
Variable Rate		 60 months 10.99% 08/03/2011
Pay and Save Loan2 6 months 14.00% 08/03/2011
Signature Plus Guarantor
(Maximum Unsecured Loan Amount $2,000)		 36 months 9.90% 08/03/2011

SAVINGS SECURED LOAN
Loan Type Adjustable Effective Date
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.) 		08/03/2011
Certificate Secured4
(Fully Secured until certificate maturity)
Maximum Loan Amount 90% of Certificate balance 		2.00%
(Above the highest earnings rate on the certificate.) 		08/03/2011

VARIABLE RATE CREDIT CARDS5
Card Type APR Effective Date
Platinum VISA® As Low As 9.10% 05/01/2011
Platinum Cash Back VISA® 9.50% 05/01/2011
Platinum Rewards Plus VISA® 9.50% 05/01/2011
NON-VARIABLE RATE SAVINGS SECURED CREDIT CARDS6
Card Type APR Effective Date
Savings Secured VISA® 13.50% 05/01/2011


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 each Pay & Save advance, rounded up to the next dollar amount, shall be deposited into your Primary Savings account and pledged as collateral for this subaccount. As security for your obligation to repay the advance 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 must be authorized by a Credit Union Underwriter. If a withdrawal of the pledged Deposit is approved and you withdraw the Deposit, your advance privileges on the Pay & Save subaccount 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. The minimum monthly payment will be $50.

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.

5For Variable Rate Credit Cards. Variable Annual Percentage Rate (APR) is tied to The Wall Street Journal Prime Rate plus a margin. The ANNUAL PERCENTAGE RATE is subject to change monthly on the first day of each billing cycle to reflect any change in the Index. The Index used to determine the ANNUAL PERCENTAGE RATE is the U.S. Prime Rate shown in the "Money Rates" section of The Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The ANNUAL PERCENTAGE RATE is determined by adding together the Index and the margin(s) applicable to the card type. The margin and/or card type is determined based on an evaluation of each member's individual credit history. Any change in the ANNUAL PERCENTAGE RATE will take effect on the first day of the statement cycle following the determination date. The ANNUAL PERCENTAGE RATE will never be greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will take the form of additional payments shown as Total Minimum Payments on the statement. Additional information on credit cards including the UChoose Rewards® program rules for our points earning credit cards are available at www.vystarcu.org or call 777-6000 or 800-445-6289, option 9.

6For Non-Variable Rate Savings Secured Credit Cards. Annual percentage rate, terms and fees on credit cards are subject to change. Loans subject to credit approval. Certain restrictions apply. Credit lines starting at $375. Additional information on credit cards is available at www.vystarcu.org or call 777-6000 or 800-445-6289, option 9.

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.


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