Hello Adventure!

There’s never been a better time to get outside and turn your adventures up a notch. And if you’ve been thinking that a new boat, camper, ATV, or motorcycle would make the great outdoors that much greater, you’ll be happy to know that Call Federal has our typically great rates on leisure vehicles. You can refinance your current vehicles, too!

Leisure Vehicle Rates

Rates/APR* Maximum Loan Term
Small Recreational Vehicles
(Motorcycles, Boats, Jetskis, etc)
 5.99%-17.75%  72 months
(6 years)
Larger Recreational Vehicles
(RVs/Campers, value over $75,000)
 7.50%-9.75% 144 months
(12 years)


*APR = Annual Percentage Rate. Best APR listed assumes a 36-month term, 100% loan-to-value (LTV), and top tier credit, as well as a max rate discount of .75%. Our rate discount program is made up of three options. Loyalty discount of .50% with Call Federal history loan origination within the last 7 years or membership history of 10 years or more. Education discount of .50% for completing one of the qualifying courses available in our Money & Beyond Portal and providing the certificate of completion at loan application. Automatic transfer discount of .25% for members who set up an auto transfer payment from a Call Federal checking account. If the member receives this discounted rate but discontinues the auto transfer service, the loan rate can be automatically be adjusted accordingly. The two discounts for .50% cannot be combined. All of these discounts are only available at the time the loan is processed. Current equipment loan rates range from 3.99% – 17.75% APR. Rates subject to change but will not exceed 18.00%. Rates, terms, and conditions may vary based on creditworthiness, qualifications, LTV, and collateral conditions. Collateral must exceed $5,001. All collateral owners must sign required paperwork for refinancing. Income and employment verification required. Offer covers one vehicle loan. Other restrictions and conditions may apply. Payment Example: Estimated monthly payment of $320 for a loan of $17,000 at 4.75% APR for a loan term of 60 months.

Buying a vehicle from a Private (non-dealer) Seller?

Please complete and submit a copy of this bill of sale for leisure vehicles with your loan documents.

Additional Resources & Buying Guides

So You Want To Buy A Motorcycle

Motorcycles offer some of the most fun you can have on two wheels, but like most major purchases, there are things you should consider before revving up and hitting the open road. Check out the “Three Things You Must Do When You Buy A Motorcycle” from our Financial Insights blog.

A family of three enjoying a camping trip

Camper/Small RV Buying Guide

Buying a camper will be the second largest investment many people ever make, next to the purchase of their home. Because of this, buying pre-owned is one of the most popular purchase options. But before you set up camp, check out the advice from our “camp-er counselors” that we collected for our Financial Insights blog.