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Recreational & Boat Loans


Recreational vehicles and boats lead to new, fun experiences, and the loan process should be a positive experience too. Whether you’re looking for a boat, camper, ATV, or other recreational equipment, KTVAECU® loans make it quick, easy, and convenient.

EasyApply for a recreational vehicle or boat loan online, over the phone, by visiting a branch, or by visiting one of our Preferred Dealerships. Choose what works for YOU.

Quick - Our loans are processed in-house, so there’s no waiting on an out-of-state committee to make the decision. Many times, you will receive your answer on the same day as your application!

ConvenientWe offer multiple ways to pay your loan; so that you can focus on what’s important.

New Recreational Loans
(2017 AND NEWER)
Effective 10-02-2023
Rates as low as…
7.24% APR1 
 Up to 84 Months Fixed Rate.
Payment Example: 84 monthly payments of $152.15 per $10,000.00 borrowed.

Used Recreational Loans
(2016 AND OLDER)
Effective 10-02-2023
Rates as low as…
9.24% APR2
 Up to 84 Months Fixed Rate.
Payment Example: 84 monthly payments of $162.17 per $10,000.00 borrowed.

Boat, Motorcycle, RV, & ATV Loans

Recreational or Boat Loans from KTVAECU offer competitive rates AND stellar Member service. In addition, below are some other reasons why KTVAECU is the best loan provider in the region:

  • 100% financing (to qualifying members) and various loan terms
  • No application fee
  • Hassle-free financing – apply for a loan and complete the paperwork at a preferred dealership (not available on farm equipment)
  • More peace of mind with debt protection4 and GAP3 coverage
Protect Your Investment

Guaranteed Asset Protection (GAP)3

Guaranteed Asset Protection (GAP) provides a little extra coverage beyond your auto insurance. If your vehicle is stolen or totaled, the majority of insurance companies will only pay up to the book value of the vehicle, leaving you to pay the difference. GAP would cover that difference: between what the insurance company pays toward the loan, what is left of the loan balance, and the deductible up to $1,000. GAP through the Credit Union also provides $1,000 toward the purchase of a replacement vehicle if financed through the Credit Union within 90 days.

Guaranteed Asset Protection can be added to any auto loan within 30 days of purchasing the vehicle. To add GAP, call us at (865) 544-5400 or visit any branch!


Life is unpredictable. Debt Protection with Life Plus offers a safety net for your loans during unexpected life events such as illness, hospitalization, loss of life, and more. Debt Protection can be added at any time during the life of the loan and can offer peace of mind for yourself and your family members. For more information or to add Payment Protection, call us at (865) 544-5400.


Member accounts in good standing can apply to Skip-A-Payment for a $35.00 fee after making at least three payments on their loan. Skip-A-Payment can be used two times per 12-month period.