Credit union · NCUA insured
VyStar Credit Union Auto Loan Rates
VyStar Credit Union auto loans start at 5.39% APR for a new vehicle and 5.94% for a used one. Rates checked October 5, 2026.
How VyStar Credit Union’s auto loan rates compare
Compared with banks and credit unions near Jacksonville, FL, where VyStar Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
VyStar Credit Union
5.39%APR
- Terms
- 49–60 months
New Cars (Model years 2025 or newer)
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
2nd-lowest rate
Jax Fire Credit Union
4.40%APR
- Terms
- 36–60 months
VyStar Credit Union auto loan score
71
Auto loan score
Higher than 28% of U.S. banks and credit unions
- New vehicleNew5.39%
- Used vehicleUsed5.94%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where VyStar Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Cars (Model years 2025 or newer)
Model years 2025 or newer. All loans are subject to credit approval. All rates are based on an evaluation of the member's individual credit history.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.24% | — |
| 49–60 months | 5.39% | — |
| 61–72 months | 5.54% | $15,000 min. loan amt. |
| 73–84 months | 6.29% | $20,000 min. loan amt. |
Sources (1)
- vystarcu.org/personal/rates/auto-and-vehicle-loan-rates · captured Oct 5, 2026
New Motorcycle Loan
All loans are subject to credit approval. All rates are based on an evaluation of the member's individual credit history.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.49% | New Motorcycle. |
| 49–60 months | 5.64% | New Motorcycle. |
| 61–72 months | 5.79% | New Motorcycle. $15,000 min. loan amt. |
| 73–84 months | 6.54% | New Motorcycle. $20,000 min. loan amt. |
Sources (1)
- vystarcu.org/personal/rates/auto-and-vehicle-loan-rates · captured Oct 5, 2026
Small Collateral Loan (ATV, UTV, Golf Cart, Scooter)
All loans are subject to credit approval. All rates are based on an evaluation of the member's individual credit history.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.00% | New Other Small Collateral (ATVs, UTVs, Golf Carts or Scooter only). |
| 61–72 months | 7.50% | New Other Small Collateral (ATVs, UTVs, Golf Carts or Scooter only). |
Sources (1)
- vystarcu.org/personal/rates/auto-and-vehicle-loan-rates · captured Oct 5, 2026
Used Cars (2011 - 2024)
Model years 2011 - 2024. All loans are subject to credit approval. All rates are based on an evaluation of the member's individual credit history.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.84% | — |
| 49–60 months | 5.94% | — |
| 61–72 months | 6.14% | $15,000 min. loan amt. |
| 73–84 months | 6.79% | $20,000 min. loan amt. and must be 3 years old or newer |
Sources (1)
- vystarcu.org/personal/rates/auto-and-vehicle-loan-rates · captured Oct 5, 2026
Used Motorcycle Loan
All loans are subject to credit approval. All rates are based on an evaluation of the member's individual credit history.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.09% | Used Motorcycle. |
| 49–60 months | 6.19% | Used Motorcycle. |
| 61–72 months | 6.39% | Used Motorcycle. $15,000 min. loan amt. |
| 73–84 months | 7.04% | Used Motorcycle. $20,000 min. loan amt. |
Sources (1)
- vystarcu.org/personal/rates/auto-and-vehicle-loan-rates · captured Oct 5, 2026
Who can join VyStar Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.