Credit union
Independent comparison. JustAutoRates is not affiliated with VyStar Credit Union. To apply, visit vystarcu.org.
Florida, Georgia · Headquarters Florida
Live or work in eligible Florida or Georgia counties, family of an eligible member, U.S. military members, civilian employees, veterans and dependents, Brightway Insurance employees or clients, or a $5 donation to the VyStar Foundation
Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.
5.99%NewUp to 48 months
FL · GAChecked Nov 11, 2026
Published as up to 48 months, not as a single monthly term.
Terms up to 48 months. New Cars (model years 2025 or newer). APR as low as; effective 10/21/2026 on VyStar's Car Loan Rates table.
Checked Nov 11, 2026Source vystarcu.org
5.99%New49–60 months
FL · GAChecked Nov 11, 2026
Published as 49–60 months, not as its own 60-month price.
Applies to 49-60 month terms. New Cars (model years 2025 or newer). APR as low as; effective 10/21/2026 on VyStar's Car Loan Rates table.
Checked Nov 11, 2026Source vystarcu.org
6.34%New61–72 months
FL · GAChecked Nov 11, 2026
Published as 61–72 months, not as its own 72-month price.
Applies to 61-72 month terms. New Cars (model years 2025 or newer). Published with a $15,000 minimum loan amount. APR as low as; effective 10/21/2026 on VyStar's Car Loan Rates table.
Checked Nov 11, 2026Source vystarcu.org
6.79%New73–84 months
FL · GAChecked Nov 11, 2026
Published as 73–84 months, not as its own 84-month price.
Applies to 73-84 month terms. New Cars (model years 2025 or newer). Published with a $20,000 minimum loan amount. APR as low as; effective 10/21/2026 on VyStar's Car Loan Rates table.
Checked Nov 11, 2026Source vystarcu.org
6.49%UsedUp to 48 months
FL · GAChecked Nov 11, 2026
Published as up to 48 months, not as a single monthly term.
Terms up to 48 months. Used Cars (model years 2011-2024). APR as low as; effective 10/21/2026 on VyStar's Car Loan Rates table.
Checked Nov 11, 2026Source vystarcu.org
6.64%Used49–60 months
FL · GAChecked Nov 11, 2026
Published as 49–60 months, not as its own 60-month price.
Applies to 49-60 month terms. Used Cars (model years 2011-2024). APR as low as; effective 10/21/2026 on VyStar's Car Loan Rates table.
Checked Nov 11, 2026Source vystarcu.org
7.19%Used61–72 months
FL · GAChecked Nov 11, 2026
Published as 61–72 months, not as its own 72-month price.
Applies to 61-72 month terms. Used Cars (model years 2011-2024). Published with a $15,000 minimum loan amount. APR as low as; effective 10/21/2026 on VyStar's Car Loan Rates table.
Checked Nov 11, 2026Source vystarcu.org
7.79%Used73–84 months
FL · GAChecked Nov 11, 2026
Published as 73–84 months, not as its own 84-month price.
Applies to 73-84 month terms. Used Cars (model years 2011-2024). Published with a $20,000 minimum loan amount; the vehicle must be 3 years old or newer. APR as low as; effective 10/21/2026 on VyStar's Car Loan Rates table.
Checked Nov 11, 2026Source vystarcu.org