RV, boat and motorcycle loan rates and fees

RV, boat and other recreational vehicle loan rates
Effective Date: Tuesday, July 15th, 2025
Vehicle typeAPR (Low)*APR (High)Repayment terms

Choose a branch to apply for a loan || Call 541-714-4000

New or used boat or RV

New boat or RV (2024 - 2025) 7.99% 19.24% Up to 72 months
New boat or RV (2024 - 2025) 8.24% 19.49% 73-180 months
New RV (2024 - 2025) 8.74% 10.99% 181-240 months
Used boat or RV (2015 - 2023) 8.74% 20.24% Up to 72 months
Used boat or RV (2015 - 2023) 8.99% 20.49% 73-180 months

ATVs, horse trailers, motorcycles, snowmobiles and personal watercraft

New (2024 - 2025) 7.49% 18.24% Up to 72 months
New (2024 - 2025) 7.74% 18.49% 73-84 months
Used (2019 - 2023) 8.24% 19.24% Up to 72 months
Used (2019 - 2023) 8.49% 19.49% 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.

Payment examples

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.

  • A $10,000 new RV or boat loan with a 72 month repayment term will have a 7.99% APR and a monthly payment of $175.29.
  • A $20,000.00 new RV or boat loan with a repayment term of 120 months will have a 8.24% APR and a monthly payment of $245.23.
  • If you delete your automatic payment request, or the credit union terminates your automatic payment request due to insufficient available funds, this interest rate may be increased by one-quarter of one percent (0.25%) for the remaining term of the loan. This rate change will be reflected on your Credit Union statement.

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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