Boat Loans

Purchase a new or used boat, jet ski, or watercraft with competitive rates starting at 6.05 %.

At Greater Texas Credit Union, our goal is to assist our boat-enthusiast members with everything they need to set out into open waters. We provide secured loans for all types of boats, including pontoons, jet skis, personal watercraft, and more.

Members get great perks and features with our boat loans:

  • Competitive Rates: Rates as low as 6.05% are available for qualified borrowers
  • Flexible Term Lengths: Enjoy loan terms ranging up to 120 months (10 years)
  • No Prepayment Fees: Pay off your boat even faster and with fewer surprise expenses
  • Zero Upfront Fees: Save more, guaranteed!

What to Expect When You Apply

Boat Loan Rates 

With secure financing available in a single business day, check out the rates and term lengths for both new and used boats below.

Loan Types Terms Annual Percentage Rate
Secured Loans: Boats/ RVs/ Travel Trailers*

Up to 36 months As low as 6.05 %  

Up to 75 months As low as 7.29 %

Up to 120 months As low as 9.36  %
*Due to recent compliance regulations, Greater Texas is unable to finance Park Model RV’s/Homes/House Boats. Rates are subject to change without notice.
Other Secured Loans: Motorcycles /Off-road Vehicles/ Jet Skis / NEW Horse or Stock Travel Trailers

Up to 66 Months As low as 8.84  %

 Monthly Boat Loan Payment Calculator

Get a better picture of your monthly payments, budget limitations, and more with the help of our boat payment calculator.


Boat Loan Calculator

Est. Monthly Payment: 0


*Interest rate shown includes 0.25% discount for purchase of Greater Texas Credit Union Auto Warranty and GAP and does not reflect the age of vehicle purchased. 

*Annual Percentage Rate (APR) The APR you receive for the subaccounts (except Share Secured, Stock Secured, and Certificate Secured) will be within the range disclosed above and is based on your credit worthiness. Ask the credit union for the rate you qualify to receive. **Used RVs and boats can be financed for up to 100% of NADA retail value or BUC price guide. Loans cannot exceed the purchase price. Rate based on credit qualifications and other restrictions may apply. Additional rates and terms available. Subject to credit approval. ***New member applicants may not be eligible for unsecured loan applications for a period of 90 days. All unsecured loan applications may require additional review and verification during the application process. No loan applications will be considered until membership applications have been completed and all information including identification verified.

See What Our Members Have To Say

“We have been with GTFCU for over thirty years and obviously have not had a reason to change. I am a financial services professional so I am aware of other options and have easy access to them. But GTFCU is fine for mobile banking and small enough that people take personal ownership of resolving any issues that arise.”

- Tom C.

Enjoy the credit union difference today and discover how low-interest boat loans provide everything you need to stem the tide and sail into your next adventure.

Boat Loans FAQ

A: Greater Texas Credit Union provides loans for recreational vehicles, ATVs, trailers, and fifth wheels. Due to recent compliance regulations, the credit union is unable to finance Park Model RV/Homes/Houseboats.
A: You can finance up to 100% of your boat purchase price. This is based on a set of qualifying factors that come into consideration during the pre-approval process. No upfront fees or prepayment penalties are included with our boat financing options.
A: If you already have the outdoor vehicle(s) you need, you can also look to Greater Texas Credit Union for refinancing that can lower your interest rate and monthly payment.