All rates are based on an evaluation of the applicant's individual credit history. Your actual rate may vary.

All loan rates and terms are subject to conditions and credit approval.

Certain conditions and restrictions may apply.

*OPTIONAL RATE DISCOUNT: These represent loans set up on Automatic Funds Transfer. An interest rate reduction of .25% is applied to loans set up on Automatic Funds Transfer payment method (transfer of funds from a VyStar account to pay this VyStar loan). If you stop this payment method or your loan becomes delinquent, you will no longer receive the .25% interest rate reduction for the remaining term of the loan, and your interest rate will revert back to the standard rate, and will result in more payments of the same amount until what you owe plus interest and any late charges have been paid. The minimum scheduled payment will at all times be based on the standard rate without the optional rate discount. Credit Card, Savings Secured, Certificate Secured, Mobile Home, and Mortgage loans are not eligible for the optional rate discount.

**For Personal Signature Line of Credit loans. 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. Bi-weekly payment options (payments that are due every other week) are not available.
This rate represents the optional rate discount. Please see details on Optional Rate Discount above.*

***For Pay & Save Loans - Required Deposit as Security: You agree that ten percent (10%) of the amount of each Pay & Save loan advance, rounded up to the next dollar amount, shall be deposited into your Primary Savings account and pledged as collateral for this account. 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 must be authorized by a Credit Union Underwriter. If a withdrawal of the pledged Deposit is approved and you withdraw the Deposit, your borrowing privileges on the Pay & Save loan 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. Bi-weekly payment options (payments that are due every other week) are not available.
This rate represents the optional rate discount. Please see details on Optional Rate Discount above.*

****SAVINGS 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.

****CERTIFICATE SECURED: The Annual Percentage Rate (APR) will be the dividend rate being paid on the certificate offered as security plus 2%. 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. Any increase In the APR will result in more payments of the same amount until what you owe has been repaid. IRA Certificates are not eligible to be pledged as colateral for a loan.

CREDIT CARD RATES: 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 on Visaź Classic; $375 on Visaź Gold; and $1,250 on Platinum Rewards Visaź. 25-day grace period for repayment; balance for purchases computed on an average daily balance; no annual or inactivity fee; no minimum finance charge or transaction fee for purchases, cash advances or balance transfers; $25 late-payment fee on every payment 10 days or more late; $28 returned payment fee; $27 over-the-limit fee on balances over the credit limit by 1% or more. Subject to terms and conditions. Platinum Rewards Visa points are not earned for finance charges, fees, cash advances, convenience checks, unauthorized charges or foreign transaction currency conversion charges. Refer to the Platinum Rewards Visa Terms and Conditions disclosure for additional information regarding earning points or call 777-6000, option 3 or 800-445-6289, option 3. The MasterCard product no longer offered as of October 1, 2004.

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.