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New Year. Lower Rate.

Each new year is an opportunity to start fresh. Unfortunately, that doesn’t mean we get to hit the reset button on our finances. As we move forward and set goals for ourselves, it's important to have a plan that accounts for the past, present and future — especially after a year as challenging as 2020.

Whether you’re working to rebuild your savings after a global pandemic disrupted your plans or you racked up a high balance on a credit card over the holidays, VyStar can help. Not only are we offering Skip-A-Payment options to help you free up your short-term cash flow, we’re also giving you the opportunity to transfer an external credit card balance at 0% APR* for 12 months.

If you have a credit card balance that just seems to keep building, this may be the deal for you.

What’s the deal?

Until March 31, we’re offering 0% APR for 12 months to new and existing members who transfer a balance from a non-VyStar card to a VyStar Visa® Credit Card. That means you’ll have more time to pay off the balance you carry over — and you’ll pay less interest in the long term. If you have multiple external credit cards (store credit cards included!), you can consolidate it all to your VyStar card to take advantage of 0% APR. And while most financial institutions charge fees for balance transfers — with us, they’re free.

Who can take advantage of this promotion?

This offer is available to new members and existing members with a VyStar credit card. If you already have a credit card with us, all you have to do is transfer a balance from a non-VyStar card to your VyStar credit card to start saving. If you’re a new member, just apply for a credit card within 60 days of opening your account and transfer a balance from another credit card to get 0% APR for 12 months.

What are some perks of a VyStar credit card?

The only thing better than having more freedom and flexibility to pay off your credit card balance is benefitting from the multiple perks that come with a VyStar credit card, including:

  • No annual fees
  • No cash advance fees
  • No foreign transaction fees
  • No inactivity fees
  • Cash back and reward options

How do I apply?

Not a member yet? It takes less than five minutes to apply. Click here to get started.

If you’re already a member and have a VyStar credit card, all you have to do is log in to Internet & Mobile Banking and follow the steps below to conveniently transfer your balance online.

  1. Click on your credit card account
  2. Select “Services,” then “Balance Consolidation”
  3. Enter the requested information and start saving

If you have additional questions about how to get started or how to apply, you can visit your local VyStar branch or call us at 904-777-6000 or 800-445-6289. We’re ready to help you make 2021 your year.