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!

Boat Loans

Rates as low as

7.24% APR*

RV Loans

Rates as low as

6.74% APR*

Motorcycle Loans

Rates as low as

6.24% APR*

Benefits of Credit Union Vehicle Loans

Great Rates

Credit unions can offer lower rates because we’re not-for-profit.

Generous Terms

Find a payment to suit your budget with our wide range of loan terms.

New and Used

Buy a brand-new vehicle or explore older models that fit your budget.

Friendly Service

We’re here to support you and service your loan with simple payment options.

Leisure Vehicle Rates At A Glance

Rates/APR* Maximum Loan Term
Leisure Vehicles
(Motorcycles, ATVs, excluding boats)
 6.24%-15.50%  84 months
(7 years)
Leisure Vehicles (Boats) 7.24%-16.50%  84 months
(7 years)
Recreational Vehicles
(Motorhomes & Campers, up to $100,000)
 6.74%-12.75% 120 months
(10 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%. See Rate Discount Programs below. 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. Other restrictions and conditions may apply. Payment Examples included below.

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.

Rate Discount Program

Members who have originated a consumer loan (personal, vehicle, or leisure) within the last 7 years or have been with the credit union for 10+ years are eligible for a Loyalty discount of .50%

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. See callfederal.org/incentive for more details.

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.

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.

Payment Examples

Estimated monthly payment of $198 for a land-based leisure vehicle loan of $10,000 at 6.75% APR for a loan term of 60 months.

Estimated monthly payment of $304 for a water-based leisure vehicle loan of $15,000 at 7.75% APR for a loan term of 60 months.

Estimated monthly payment of $440 for a RV loan of $25,000 at 8.00% APR for a loan term of 72 months.

Ways to Apply

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Apply Online

Get in the vehicle of your dreams with our quick online application.

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Visit A Branch

Our branch teams can help you apply and get a check in your hands.

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Call Us

Our loan specialists can help find a payment that works for you.