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What Is It?
Boat Loans from Yolo Federal
If you’re going back and forth on the decision to buy a boat, we can help you land on the side of leisure! We’ll happily finance everything from the latest and greatest speedboats to personal water crafts, like jetskis.
Why Yolo Federal
Your partner in fun
- Competitive rates
- Flexible terms
- Financing for both used and new boats
Rates & Fees
| Loan Type | Term in months | Minimum amount | Rate as low as | Annual Percentage Rate1 | Payment per $1,0002 |
|---|---|---|---|---|---|
| RV/Motorcycle/Boat | Up to 60 Mo. | N/A | 7.24% | 7.24% | $19.44 |
| 61-72 Mo. | $10,000 | 7.24% | 7.24% | $17.16 | |
| 73-84 Mo. | $20,000 | 7.24% | 7.24% | $14.72 | |
| 85-96 Mo. | $30,000 | 7.24% | 7.24% | $13.26 | |
| 97-120 Mo. | $50,000 | 7.24% | 7.24% | $11.22 | |
| 121-144 Mo. | $70,000 | 7.24% | 7.24% | $9.88 | |
| 145-180 Mo. | $100,000 | 7.24% | 7.24% | $9.12 |
Effective Date: November 1, 2024. Rates subject to change at any time.
1Based on loan balance of $10,000 or minimum amount required for term.
2Payment per $1,000 is based on the minimum APR reflected at the maximum term available in range.
Healthcare First Responder Discount: Yolo Federal Credit Union offers a .25% rate discount on qualifying fixed-rate loan products for healthcare and first responder professionals. Qualifying loan products include: Vehicle, Recreational Vehicle, Motorcycle, Boat, Real Estate, Home Equity, Signature, and Energy Saver Loans. To receive the discount, the individual must be employed as a nurse, doctor, firefighter, police officer, paramedic, or support professional in the first responder or healthcare system at the time of application and provide proof of employment. Retired healthcare and first responder professionals also qualify for loan discount.
Rates, Financing Amount and Terms: Some restrictions apply. Rates shown may not apply to every borrower, and the higher rates may be charged to other borrowers depending on their credit qualifications. Rate and term will be determined by member's credit worthiness. A member's creditworthiness will be based, for example, on factors such as debt to income ratios, credit history, employment, etc. For additional details regarding a specific category, please consult a credit union member services officer.