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 4.74% 84 Mos.
Up to 100% Financing 5.24% 120 Mos.
Up to 100% Financing 5.74% 180 Mos.

Get Insured

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

Our boat overage typically includes:

  • Hull
  • Machinery
  • Fittings
  • Furnishings
  • Permanently attached equipment as part of either an actual cash value policy for replacement less depreciation or on an agreed amount value basis based on a predetermined agreement with the carrier.

Get A Free Quote


*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 into your Firefighters First checking account is required. Representative Example: A $25,000 Boat loan (Boats greater than 28’ in length will require an “out of the water” marine survey) financed at 4.74% APR for 84 months would result in 84 payments of $351.03. If direct deposit is canceled, the promotional rate discount will 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 call us at 800-231-1626. 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.

*Offer limited to new Firefighters First Credit Union members only and is valid for one (1) year (12 months) from the opening date of membership. Spousal accounts are excluded. A limit of one discount per household. This offer can be combined with other offers. 0.50% APR loan discount applies to all fixed consumer loans including: autos, motorcycles, boats, motor homes, travel trailers, dirt bikes, ATVs, and signature loans. Excludes VISA® credit cards, mortgages, lines of credit, and share-secured loans.