Recreation Loan

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

Ensure 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!

Apply 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.

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


Table data for Recreational Loan Rates
 Rates as of 4/1/2021
Annual Percentage Rate as low as Term Payment per $1,000 Alert Me
ATV/Snowmobile/Dirt Bike/Lawn Tractor/Boat/Camper/Motor Home/etc 5.00% up to 36 months $30.00
at 36 mo
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ATV/Snowmobile/Dirt Bike/Lawn Tractor/Boat/Camper/Motor Home/etc 5.75% up to 60 months $19.24
at 60 mo
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ATV/Snowmobile/Dirt Bike/Lawn Tractor/Boat/Camper/Motor Home/etc 6.00% up to 84 months (Minimum loan amount $10,000) $14.62
at 84 mo
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Boat/Camper/Motor Home (2016-2021) 6.50% up to 120 months (Minimum loan amount $10,000) $11.12
at 120 mo
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Boat/Camper/Motor Home (2019-2021) 7.25% up to 180 months (Minimum loan amount $12,500) $9.14
at 180 mo
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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.

What is APR?


Don't forget Insurance!

And when you insure, do so with a name you already trust. CFCU Insurance Services saves customers an average of $631* with multiple affordable quotes... and we're just a phone call away.

Learn more!

* Average Savings figure is a national average savings number from August 2019 to July 2020 of auto, homeowner, and packaged policyholders’ savings per customer when compared to the policyholders’ former premiums. Individual premiums and savings will vary. Insurance products are not insured by NCUA or any Federal Government Agency; are not a deposit of, or guaranteed by CFCU Community Credit Union or any affiliated entity; and may lose value. Any insurance required as a condition of the extension of credit by CFCU Community Credit Union need not be purchased from our Agency but may, without affecting the approval of the application for an extension of credit, be purchased from an agent or insurance company of the member’s choice.

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.

Borrower Security - Protect your family against the unexpected.

Life can be wonderful. But it also can get complicated when unexpected things happen. Protecting your loan payments against death, disability, or involuntary unemployment could help protect your finances.

This protection could cancel you loan balance or payments up to the contract maximums. Protect your loan payments today so you can worry a little less about tomorrow. Purchasing protection is voluntary and won't affect your loan approval. It's simple to apply. Ask your loan officer about eligibility, conditions, or exclusions*

*Refer to member agreement for a full explanation of terms and conditions.