RV, boat and motorcycle loan rates and fees
|Vehicle type||APR (Low)*||APR (High)||Repayment terms|
Apply online: RV loan, boat loan or motorcycle loan || Choose a branch to apply for a loan || Call 800-732-0173
New or used boat or RV
|New boat or RV (2022-2023)||7.99%||19.24%||Up to 72 months|
|New boat or RV (2022-2023)||8.24%||19.49%||73-180 months|
|Used boat or RV (2013-2021)||8.49%||19.99%||Up to 72 months|
|Used boat or RV (2013-2021)||8.74%||20.24%||73-180 months|
ATVs, horse trailers, motorcycles, snowmobiles and personal watercraft
|New (2022-2023)||7.49%||18.24%||Up to 72 months|
|New (2022-2023)||7.74%||18.49%||73-84 months|
|Used (2017-2021)||7.99%||18.99%||Up to 72 months|
|Used (2017-2021)||8.24%||18.99%||73-84 months|
About these rates
*APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month and 0.25% APR reduction for qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
The following examples illustrate the expected monthly loan payments for members who qualify for the prime rate, premier member merit status and enroll in automatic monthly payments.
We may offer other rates in the future. We may be able to match rates from other lenders. All loans are subject to approval.
Member Merits and RVs, boats, motorcycles and more
Did you know that you could get loan rate discounts, Certificate account rate bonuses, mortgage closing cost rebates, monthly fees waived, free services and more?
These benefits are based on your Member Merits category. Three levels, Essential, Enhanced and Premier, are possible. You receive more merits depending on the number of accounts you have and your balances in the accounts.
Good news: RV, boat, motorcycle and other vehicle loans count as accounts and could contribute to your Member Merits standing.
When you join Oregon State Credit Union you are automatically included in Member Merits, our way of giving back to members who support the credit union with their choice to do borrowing and banking with our member owned, not-for-profit financial cooperative.
Learn more here about Member Merits.
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