Recreational Loans

Get out there and play! Boats, snowmobiles, campers, ATVs, personal watercraft, motorcycles — we’ll help you finance almost any kind of new or used recreational vehicle with competitive interest rates, flexible terms, and fast, convenient service.

  • Automatic payment options available
  • Finance up to 100 percent of NADA retail value
  • Terms up to 60 months for motorcycles, snowmobiles, personal watercraft, and ATVs
  • Terms up to 120 months available on campers and boats; some restrictions apply
  • No pre-payment penalties
  • 24  hour turnaround

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This information is intended to provide general information regarding available loans only. It should not be considered legal or expert tax advice regarding your specific circumstances. Consult a qualified professional with questions regarding the topics herein. © 2020 Federated Employees Credit Union

Recreational Vehicle Loan Rates

Recreational Vehicles * APR **
Rec Vehicles (2021 or newer) 3.00 - 3.50%
Rec Vehicles (2018-2020) 3.50 - 4.00%
Rec Vehicles (2015-2017 4.00 - 4.50%
Rec Vehicles (2014 or older) 5.00 - 5.50%
Other Securities 5.25 - 5.75%

* Campers, Boats, Motorcycles, Snowmobiles, ATV’s, Jet Skis, etc.
** Rates quoted for up to a 60 month term. Contact us for extended term options. 

The FECU customer service is exemplary.  They are quick to respond to questions via phone, email, or in person.  They are willing to go the extra mile by looking into archive files to provide critical paperwork for their customers.  I wouldn’t go anywhere else but FECU for any of my loan needs.


Relationship Pricing

Looking for a lower interest rate on your loan? You could qualify for a lower interest rate when financing with FECU. We offer members who use multiple products and services with FECU a discounted rate on eligible products.  Learn more about Relationship Pricing and if you qualify. Check out our current Rates .

Valuation Tools

The auto valuation tools can help you decide if you are paying the right price for a vehicle you are purchasing, or give you some idea of what the vehicle you currently own could be sold for. Here at Federated Employees Credit Union, we use the  NADA valuation tool. Kelly Blue Book and Edmunds are available as well.