Boat Loans

If you’d rather be on the water than anywhere else, we’ll streamline financing and put you at the helm.

Make Waves

Enjoy the sunshine and water spray hitting your face. Whether you plan to drop a line and fish or tow a line and wakeboard, fun awaits—and it’s just a drive away when the boat is yours. You just need to find the time to do it all!

We’ll Work with You, and for You

We’ve got the financing to keep you afloat:

  • Same competitive rates, new or used
  • Refinance and save over the life of the loan
  • Up to 100% financing on approved credit

We’ll help you get you off dry land, whether you’re working with a dealer or private-party seller.

Grab your lifejacket, we also finance:

  • Personal watercraft
  • Boat and water toy trailers

Become a member

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Boat Loan Rates*

Financing Annual Percentage Rate (APR ) as low as Term (up to)
Up to 100% Financing 7.49% 84 Mos.
Up to 100% Financing 7.99% 120 Mos.
Up to 100% Financing 8.99% 180 Mos.


Get Insured

The company that insures you makes a difference. Firefighter Insurance Services (FIS)1 understands you work hard and play harder.

Our boat coverage typically includes:

Get A Free Quote

Boat Loan Inquiry

  • The First Name field is a required field
  • The Last Name field is a required field
  • The Email field is a required field
  • The Phone number field is a required field
  • The City field is a required field
  • The State field is a required field
  • The Zip Code field is a required field
  • The Are You a Member? field is a required field
  • The reCAPTCHA field is a required field

*APR = Annual Percentage Rate.

Based on credit worthiness. APR requires full direct deposit—to qualify for the (0.50%) direct deposit discount, a minimum of $1,000 per month in direct deposits for two (2) consecutive months is required. If direct deposit is canceled, the promotional rate discount may be removed. Some restrictions apply. Offer valid to qualifying members only. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to the Credit Union policies and procedures. Rates are subject to change without prior notice. For current rate information, please click here. Rate discount applies to loans up to a term of 180 months.

Representative Example: A $25,000 RV loan (Motor homes, Trailers, and Boats) (Boats greater than 28’ in length will require an “out of the water” marine survey) financed at 7.49% APR for 84 months would result in 84 payments of $384.57.

The Credit Union does not lend in a Non-Titling State on collateral loans in which a state does not issue or guarantee a title. Please contact us for out of state purchase requests as some restrictions apply. Loans currently financed with Firefighters First Credit Union are not eligible for this offer.

1Firefighter Insurance Services (#0G87848) is not insured by NCUA