Fixed-Rate Second Mortgage — VyStar Credit Union is a home equity loan from VyStar Credit Union. The ongoing APR is As low as 7.250% APR (5 years), 7.500% APR (10 years), 7.750% APR (15 years), 8.000% APR (20 years), up to 80% CLTV. Loan terms: Fixed rate for term chosen. Terms offered: 5-year, 10-year,15-year and 20-year. Effective Date 10/19/2026. Points: 0. APR and Principal & Interest (P&I) Payment based on a loan amount of $20,000 for a 120-day lock period. Interest rate based on the combined loan to value (CLTV).