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    Credit union mortgage rates
    Home state: Florida
    Lends in 2 states

    VYSTAR mortgage rates

    VYSTAR's lowest publicly advertised 30-year fixed rate today is 6.947% APR — the national average is 7.147%. That's about $19,378 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read VYSTAR's rates every weekday, starting around 11 a.m. Central.

    We last read VYSTAR's rates page on Nov 2, 2026.

    Today's rates from VYSTAR

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.875%6.947%0.375Nov 2, 2026Visit
    20 Year Fixed6.5%6.577%0.25Nov 2, 2026Visit
    15 Year Fixed6.375%6.451%0.125Nov 2, 2026Visit
    5 Year ARM6.375%7.029%0.25Nov 2, 2026Visit
    7 Year ARM6.625%6.863%0.25Nov 2, 2026Visit
    10 Year ARM6.875%7.099%0.25Nov 2, 2026Visit
    FHA 30 Year Fixed6.875%7.658%0.25Nov 2, 2026Visit
    VA 30 Year Fixed6.875%6.984%0.25Nov 2, 2026Visit
    30 Year Fixed Jumbo6.875%6.908%0.25Nov 2, 2026Visit
    20 Year Fixed Jumbo6.625%6.668%0.25Nov 2, 2026Visit
    15 Year Fixed Jumbo6.375%6.428%0.25Nov 2, 2026Visit
    5 Year ARM Jumbo6.375%7.003%0.25Nov 2, 2026Visit
    7 Year ARM Jumbo6.625%6.837%0.25Nov 2, 2026Visit
    10 Year ARM Jumbo6.875%7.072%0.25Nov 2, 2026Visit
    Visit VYSTAR's rates page

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join VYSTAR

    Membership is open to individuals who live or work in 49 contiguous counties of Central to North Florida (Alachua, Baker, Bay, Bradford, Brevard, Calhoun, Citrus, Clay, Columbia, Dixie, Duval, Escambia, Flagler, Franklin, Gadsden, Gilchrist, Gulf, Hamilton, Hernando, Hillsborough, Holmes, Jackson, Jefferson, Lafayette, Lake, Leon, Levy, Liberty, Madison, Marion, Nassau, Okaloosa, Orange, Osceola, Pasco, Pinellas, Polk, Putnam, Santa Rosa, Seminole, St. Johns, Sumter, Suwannee, Taylor, Union, Volusia, Wakulla, Walton, Washington) or 29 Georgia counties (Bibb, Brantley, Brooks, Bryan, Bulloch, Carroll, Camden, Charlton, Chatham, Clayton, Clinch, Cobb, Dekalb, Echols, Fayette, Forsyth, Fulton, Glynn, Gwinnett, Henry, Lanier, Liberty, Long, Lowndes, McIntosh, Pierce, Thomas, Wayne, Ware). Past and present military members and their families worldwide are also eligible. Additionally, any nonprofit organization or association located in these Florida and Georgia counties, as well as donors to the VyStar Foundation, can join. Membership is also open to employees or clients of Brightway.

    Employer
    Brightway
    Association / SEG
    VyStar Foundation
    Military / veteran
    all US military
    County
    Alachua County, FL, Baker County, FL, Bay County, FL, Bradford County, FL, Brevard County, FL, Calhoun County, FL, Citrus County, FL, Clay County, FL, Columbia County, FL, Dixie County, FL, Duval County, FL, Escambia County, FL…

    Where VYSTAR writes mortgages

    VYSTAR publishes mortgage lending in 2 states.

    FloridaGeorgia

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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