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All rates are based on an evaluation of the member's individual credit history. Your actual rate may vary. All rates and terms are subject to conditions and certain restrictions may apply.
Effective Date 1/1/2017
1For Variable Rate Credit Cards: Variable Annual Percentage Rate (APR) is tied to The Wall Street Journal Prime Rate plus a margin. The ANNUAL PERCENTAGE RATE is subject to change monthly on the first day of each billing cycle to reflect any change in the Index. The Index used to determine the ANNUAL PERCENTAGE RATE is the U.S. Prime Rate shown in the "Money Rates" section of The Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The ANNUAL PERCENTAGE RATE is determined by adding together the Index and the margin(s) applicable to the card type. The margin and/or card type is determined based on an evaluation of each member's individual credit history. Any change in the ANNUAL PERCENTAGE RATE will take effect on the first day of the statement cycle following the determination date. The ANNUAL PERCENTAGE RATE will never be greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will take the form of additional payments shown as Total Minimum Payments on the statement. Additional information on credit cards including the UChoose Rewards® program rules for our points earning credit cards are available at www.vystarcu.org or call 777-6000 or 800-445-6289, option 9.
2For Non-Variable Rate Savings Secured Credit Cards. 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. Additional information on credit cards is available at www.vystarcu.org or call 777-6000 or 800-445-6289, option 9.