Home Equity Line of Credit — VyStar Credit Union is a home equity line of credit from VyStar Credit Union. The ongoing APR is Variable rate; Tied to the Wall Street Journal Prime Lending Rate plus or minus a margin, if applicable; however, under no circumstances will the annual percentage rate go below 4.00% for the term of the loan. Adjusts monthly; Maximum cap 18% APR.. Rate (As Low As Rates): 7.000% up to 80% CLTV; APR column: n/a. Effective Date 10/19/2026. Interest rate based on the combined loan to value (CLTV). The margin is determined by the CLTV at the time of closing.