Products and Services

Home Equity Loans:

Use the Equity in Your Home

There are many advantages to home ownership, including the opportunity to build equity in your home over time. This occurs as you make your monthly mortgage payment, improve your home, and receive increased equity through the general market tendency of home values to appreciate over time.

Many people prefer a home equity program to a regular installment loan because of the positive tax benefits. Consult your tax advisor about possible tax benefits of this type of loan for your financial situation.

Fixed Rate Home Equity – VyStar offers fixed rate home equity loan programs based on the percentage of the home’s value you are borrowing or loan-to-value ratio. Enjoy a low rate and affordable payments.

Home Equity Line of Credit with No Closing Costs – If you currently have a mortgage with us or even one from another financial institution, you can use your home’s equity to secure a line of credit for debt consolidation, home renovations – pay for college, buy a car, take a vacation and more. The interest rate on a home equity line of credit is tied to the prime rate of interest (and the combined loan to value) and may fluctuate as the prime rate changes. With an initial draw of $10,000 or more you pay no closing costs. Certain restrictions may apply.

Check-writing privileges and a Platinum Visa® Card for immediate access to cash: 


VyStar Home Equity Platinum Visa

VyStar Home Equity Platinum Visa® for a line of credit balance of $5,000 and higher. Make purchases up to your approved credit limit wherever Visa® is accepted and the amount will be advanced on your Home Equity Line of Credit account. No fees or strings attached. (This is not a Points card.)

Design Your Own Card via Internet Banking: Be unique and show your style every time you use your VyStar Home Equity Platinum Card. Login to Internet Banking, go to "Additional Services" and select Design Your Own Check Card.  Follow the easy steps to personalize your card with an image of your choice.

• Create your own card design with your favorite digital image or select from a gallery of pre-approved images.

• Create an Identity Card with your personal photo (for identity purposes) in the upper left hand corner of your card.

Custom images must meet Visa® USA and other standards set forth by the credit union. Images are screened by Visa to ensure your protection and you will be notified via email if your art is not accepted. Cost for a personalized card is $10 per card.


ATM Locations
Electronic Security Protection

Convenience Checks
Credit Limit Increase

Even More Flexibility with FlexEquity3 - Get a home equity line of credit with a low, fixed rate for the first three years. After that, the rate adjusts monthly, tied to Prime. Use the power of your house, your way. Enjoy the security of a low fixed rate with the flexibility of having a line of credit to draw on any time you need it. Simply right a check, the money is there for you. Prime is identified by The Wall Street Journal as the Prime Rate in its table entitled “Money Rates”. Contact us for more information.

How to Get a Home Equity Loan: Phone VyStar’s Call Center at (904) 777-6000 or 1-800-445-6289 or stop by a VyStar Branch.

Branch Locations