Business Deposit & Loan Rates

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Effective 1/22/2020
VyStar Credit Union Business Accounts and Rate Information Business Deposit Accounts: Daily balance computation method and compound monthly, crediting dividends monthly except Business Volume Checking.
Account Type	Monthly Service Charge	Minimum Daily Balance to Avoid Monthly Service Charge	Minimum Balance to Earn Dividends	Dividend Rates	Annual Percentage Yield
Business Savings2 No Membership Fee  $5 Deposit/Balance	None	None	$2,500 & greater	0.25%	0.25%
Non Profit Association Checking	None	None	$2,500 & greater	0.10%	0.10%
Small Business Checking	None	None	$2,500 & greater	0.10%	0.10%
Regular Business Checking	$12.50	$5,000 & greater	$5,000 & greater	0.10%	0.10%
Business Volume Checking	$25.00	$15,000 & greater	None	None	None
Business Money Market Accounts2	None	None	Less than $2,500	0.75%	0.75%
	None	None	$2,500 - $9,999.99	0.75%	0.75%
	None	None	$10,000 - $24,999.99	0.75%	0.75%
	None	None	$25,000 - $49,999.99	0.75%	0.75%
	None	None	$50,000 - $99,999.99	0.85%	0.85%
	None	None	$100,000- $249,999	0.991%	1.00%
	None	None	$250,000 or greater	1.34%	1.35%
Certificates	See Certificates Rates information for more details.

Business Visa® Credit Cards	Annual Percentage Rate*
Business Platinum Rewards	13.9%
Micro Business	17.99%
Business Secured	Prime + 6.74%

Business Loans	Annual Percentage Rate*
Business Real Estate Loans	Please Call for Rates
Business Equipment Loans	Please Call for Rates
Business Vehicle Loans	Please Call for Rates
*Rates are based on evaluation of applicant’s credit history. Certain restrictions/conditions apply. Subject to credit approval, change, terms and fees. Call (904) 908-2292 for full credit card disclosure.

The following apply to all of the above deposit accounts, unless specifically stated.

1. SAVINGS AND CHECKING ACCOUNT RATE INFORMATION — The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The dividend rate and annual percentage yield may change at any time as determined by the Credit Union’s Board of Directors. The dividend rates and annual percentage yields are the rates and yields as of the last dividend declaration date. The rates for deposit accounts will be provided at the time of membership, at the time of opening a new deposit account, or at any time upon request.

2. ACCOUNT LIMITATIONS — For Savings and Money Market accounts, no more than six (6) preauthorized, automatic, Internet, or telephone transfers and withdrawals may be made from these accounts to another account of yours, to a third party, or by check, draft or access card in any statement cycle. If you exceed these limitations, your account may be subject to closure by the Credit Union. For IRA accounts, you may not make any withdrawal or transfers to another Credit Union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instructions, or similar order to a third party.

3. FEES AND CHARGES — Please refer to our separate Business Fee Schedule for all fees applicable to these accounts. Fees may reduce earnings.

Product offers, rates, terms and other information provided herein are subject to change without notice. Due to the occasional inaccessibility to our website 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 (904) 777-6000 or 1(800) 445-6289, option 9.