Snowmobile, ATV, All Terrain Vehicles, Dirt Bike, Utility Vehicle Loans in Ithaca and Cortland. Experience great rates and get out on the trail quicker in Cortland and Tompkins County with CFCU! -

Recreation & Boat Loans

Whether you're tapping into your inner 'Captain' or getting out on the trail, CFCU is here to help you finance your boat, RV, or other recreational vehicle!

Special Promotion

SPECIAL BOAT LOAN RATES & TERMS

Available for a Limited Time

APR=Annual Percentage Rate. Actual APR will be determined by loan term and credit score. Credit scores are determined by the credit reporting agency. Interest accrual begins on date of contract. *4.99% APR is as low as and available for loan terms of up to 60 months. Payment per $1,000 at 4.99% for 60 months = $18.87 per month. **5.35% APR is as low as and available for loan amounts of $15,000 or greater on model years 2018 and newer with a loan term of 180 months. Payment per $1,000 at 5.35% for 180 months = $8.09 per month.

Rates

Table data for Recreational Loan Rates
Rates as of 12/1/2021
	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	Receive a notification when this rate changes

ATV/Snowmobile/Dirt Bike/Lawn Tractor/Boat/Camper/Motor Home/etc	5.75%	up to 60 months	$19.24 at 60 mo	Receive a notification when this rate changes

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	Receive a notification when this rate changes

Boat/Camper/Motor Home (2017-2022)	6.50%	up to 120 months (Minimum loan amount $10,000)	$11.12 at 120 mo	Receive a notification when this rate changes

Boat/Camper/Motor Home (2020-2022)	7.25%	up to 180 months (Minimum loan amount $12,500)	$9.14 at 180 mo	Receive a notification when this rate changes

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.

Table data for Marine Loan Rates
Rates as of 12/1/2021
	Annual Percentage Rate as low as	Term	Payment per $1,000	Alert Me
Boat	4.99%	up to 60 months	$18.83 at 60 mo	Receive a notification when this rate changes

Boat	5.75%	up to 84 months	$14.50 at 84 mo	Receive a notification when this rate changes

Boat (2018-2022)	5.55%	up to 120 months (Minimum loan amount $10,000)	$10.89 at 120 mo	Receive a notification when this rate changes

Boat (2019-2022)	5.35%	up to 180 months (Minimum loan amount $15,000)	$8.10 at 180 mo	Receive a notification when this rate changes

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.

Loan Calculator

What is APR?

Insurance

Don't forget Insurance!

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.