Recreation Loan

Get out on the trail quicker and cheaper than you can believe!

ATVEnsure your tracks lead to CFCU for your lending needs on ATVs, Snowmobiles, Dirt Bikes, and more! As a non-profit financial institution, we help you get the best payment and rate for your situation. We also locally decision and service your loan.

Make the most out of life, while paying the least!

Get on the trail today!

  • Flexible repayment terms up to 84 months.

  • No prepayment penalties.

  • Some of the best local and national rates!

  • Quick application process, find out if you qualify today.

  • Walk into the buying process knowing what you can afford.

Get out on the trail today!

*note - choose Personal Loan on the application and note it is for a Recreational Loan.

Recreational Loan Rates

  •  Rates as of 5/1/17
Annual Percentage Rate as low as Term Alert Me
ATV/Snowmobile/Dirt Bike/Lawn Tractor/Boat/Camper/Motor Home/etc 4.00%1 up to 36 months
ATV/Snowmobile/Dirt Bike/Lawn Tractor/Boat/Camper/Motor Home/etc 4.75%2 up to 60 months
ATV/Snowmobile/Dirt Bike/Lawn Tractor/Boat/Camper/Motor Home/etc 5.00%3 up to 84 months4
Boat/Camper/Motor Home 5.50%5 up to 120 months6
Boat/Camper/Motor Home 6.25%7 up to 180 months6
Boat/Camper/Motor Home 7.25%8 up to 240 months9
Rates quoted “as low as” are subject to change without notice. Rate determined by credit score, term of loan, and model year of vehicle. All loan applications are subject to approval. The Credit Union reviews every loan application to ensure fairness and compliance to CFCU policy.
  • 1Payment per $1,000 at 3.75% for 36 months = $29.42
  • 2Payment per $1,000 at 4.50% for 60 months = $18.66
  • 3Payment per $1,000 at 4.75% for 84 months = $14.02
  • 4$10,000 minimum loan amount required.
  • 5Payment per $1,000 at 5.25% for 120 months = $10.74
  • 6$15,000 minimum loan amount required.
  • 7Payment per $1,000 at 6.00% for 180 months = $8.44
  • 8Payment per $1,000 at 7.00% for 240 months = $7.76
  • 9$50,000 minimum loan amount required.

What is APR?

GAP Coverage

Most insurance policies only cover the value of the vehicle, something that rapidly declines during the first years of ownership. If your vehicle, boat, motorcycle, or RV is stolen or involved in a major accident, you could lose your investment.

Guaranteed Asset Protection (GAP) is a non-insurance product and is made available via a loan/lease deficiency waiver that covers the "gap" between the vehicle's value and the amount you still owe. Essentially, GAP covers the difference between your primary carrier's insurance settlement and the payoff of your loan or lease, less delinquent payments, late charges, refundable service warranty contracts, and other insurance related charges, less your deductible. This is an optional product offering from CFCU.

Don't owe on your loan after an accident, have it covered with our GAP product.

Life and Disability Insurance

There is no way to predict an injury, illness, or your unexpected death, but you can take steps along the way to make sure your family is provided for if the unforeseen were to happen. Credit Disability and Credit Life Insurance may help to pay your loan so you or your loved ones don't have to.*

These products are optional offerings from CFCU and the premium is included in your monthly payment. Talk to your Loan Officer about the option of adding this product without increasing your monthly payments.

*Up to your policy maximums; per terms and conditions and exclusions on your Credit Insurance Certificate.