
Boat Loans
Set Sail with Confidence and Affordable Financing.
Smooth seas ahead
Get on the water faster with our streamlined application process and affordable financing options.
Great Rates
Our competitive rates ensure that you’re getting the best APR on your boat loan.*
Super Savings
Call Federal charges no application fees, provides rate discounts, and gives you the option to make no payments for 60 days.**
Flexible Loan Terms
Finance up to 100% of your costs and find a payment to suit your spending plan with loan terms ranging between 36 and 84 months.
New or Used
Buy a brand new boat or explore older models that fit your budget. Refinancing also available.
Easy Payments
Make payments online, by check, over the phone, at your local branch, or by automatic transfer.
Expert Know-How
We’re here to help. Reach out to Call Federal Credit Union for support with any vehicle financing need.
Rates
Term |
APR* |
---|---|
*APR= Annual Percentage Rate. All loans subject to approval. Not all will qualify for approval. Of those approved, not all will qualify for the lowest rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Boat purchase must also include a motor and trailer. Rates Effective Date: February 1, 2025. |
|
Term Up to 36 months |
APR* 7.24% |
Term 37 – 48 months |
APR* 7.75% |
Term 49 – 60 months |
APR* 7.75% |
Term 61 – 72 months |
APR* 8.25% |
Term 73 – 84 months |
APR* 9.00% |
Rate Discount Program
Good deeds mean great discounts at Call Federal.
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 Program and providing the certificate of completion at loan application. Contact us 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.
Our rate discount program is made up of three options. Loyalty discount of .50% with Call Federal 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 Program 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 adjusted accordingly. The two discounts for .50% cannot be combined. max rate discount of .75%. All of these discounts are only available at the time the loan is processed.
Run your numbers
Use our free calculators to find the numbers you need.
Frequently Asked Questions (FAQ)
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Cruise through the process
We keep the boat loan application process simple and straightforward.
Apply Online
Use our simple, secure online portal to provide your details and start your application.
Review Offer
Upon pre-approval, we’ll offer you a loan amount and likely rate for your preferred term.
Find Your Boat
Shop for a boat with confidence and we’ll pay the dealer directly.
Apply Now
To apply for your boat loan, use the link below or visit a branch to get started.
We’re here to help!
Call Federal is here to help with your boat loan application. Reach out to us today for more information and expert guidance to meet your needs.
Disclosures
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*APR = Annual Percentage Rate. APR listed assumes a 36-month term, 100% loan-to-value (LTV), top-tier credit, and maximum rate discount of .75% with Call’s Rate Discount Program. All discounts are only available at the time the loan is processed. Current boat loan rates range from #.##%-##.##% APR. Rates subject to change but will not exceed ##.##%. Not all will qualify for the lowest rate. Income and insurance verification required. Other restrictions and conditions may apply. **Loan will still accrue interest with no payments for 60 days.