Personal Loans — VyStar Credit Union is a personal loan from VyStar Credit Union. The ongoing APR is as low as 10.35% (Up to 36 months); as low as 11.35% (37 - 60 months); as low as 13.60% (61 - 84 months). Loan terms: Up to 36 months; 37 - 60 months; 61 - 84 months.