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Boat, Motorcycle and RV Loans

Rates as low as 6.69 %APR*

Ask us about our 1% Rate Match Program to match or beat your rate on boat, RV, motorcycle and ATV refinancing**

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Competitive rates

Loan rates the are often lower than other banks and financing options
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Up to 110% financing

You may not need a down payment***

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90 days to the first payment

Enjoy no payments for the first 90 days of your loan*

Graphic says "Ask us about our 1% Rate Match"

We will match or beat your current rate by 1%

Looking to refinance? We will match or beat your current rate by 1% when you refinance your boat, RV, motorcycle or ATV loan with us.  
Apply now to get your Rate Match quote.
Limited time offer. Certain conditions apply.**

Boat, Motorcycle and RV Loans

With lower interest rates than most dealer options, we can help you save money on your next recreational vehicle purchase. 
  • Loyalty Rate Discount Options – Get up to .30% in rate discounts:  .10% for an automatic loan payment transfer from an MCCU checking account, .10% for checking account direct deposit at the time of funding, .10% for a new or increased Credit Card.  
  • Affordable Guaranteed Asset Protection (GAP)

Ready to get your loan started?

Our local team of loan officers can work with you to find the best options for your new or pre-owned RV, boat, motorcycle or ATV loan.

Apply Online

Apply in a Branch

To apply in branch, visit a branch near you.

Apply by Phone

Call us at 281.754.1470 to ask questions or start a loan application by phone.

Boat and RV Loan Resources

Boat, RV, Motorcycle, and ATV Loan Rates

Check our current competitive rates for recreational vehicle loans. View Loan Rates

Boat and RV Loan Payment Calculator

Find out exactly what you need to get the payment you want. Estimate Your Payment Info

Get Exclusive Savings on Your Next Boat and RV

From the open road to the open water - save on your next outdoor recreational vehicle with Love My Credit Union Rewards with special access to a certified dealer network that provides exclusive savings to credit union members.  

Enhanced Loan Calculator

Look at several different scenarios. Run the Numbers

Affordable Guaranteed Auto Protection (GAP)

Pays the difference between any insurance settlement and the amount owed on the loan. Learn More About GAP


If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships and lending products are subject to approval including credit approval.
*APR=Annual Percentage Rate. Rates are subject to change without notice. Annual Percentage Rate of 6.69% is for an approximate term of 12-36 months. Payment example: 12 monthly payments of $85.92 per $1,000 borrowed at 6.69%. Discounts have been applied to the rate of 6.69%. We offer other terms up to 120 months.

** MCCU "Match A Rate" Program

  • MCCU will match and beat a member's current Boat, RV, Motorcycle and ATV rate by 1%, not exceeding our lowest rate based on a member’s credit tier.
  • Proof of current rate is required
    • Forms of proof include but not limited to: Online banking screen print, purchase agreement, statements any other methods for documentation purposes
    • Changes to ownership do not qualify for program
  • No other discounts will apply
  • Not eligible for purchases
  • Limited time offer

***Boats and RVs may be financed up to 110% loan-to-value (LTV) based on credit criteria.