Boats & Recreational Vehicles

Whether you’re looking for fun in the sun on a new boat or enjoying the colder weather on a snowmobile, your credit union can help you finance it!  Saratoga’s Credit Union offers financing on new or used boats, recreational vehicles and a variety of outdoor activity vehicles with fixed and variable rate options.  We make the buying experience easier with online dealer inventory searches, payment calculators and an easy mobile friendly loan application.  Start your search today!


Loan Term In Months Grand Opening Promotional Fixed Rate APR* Variable Rate Fixed Payment**
To – 24 6.50%   1.99%

Introductory First 6 Months



After Introductory Period
Prime + 3.00%

25 – 36 6.50%   3.50%
37 – 48 6.50%   3.50%
49 – 60 6.75%   4.50%
61 – 72 7.00%   4.50%
73 – 84 8.00%   5.50%
85 – 120 8.50%   5.50%

Rates apply to new or used boats and RVs.  Discount applies to fixed rate loans only.  Sample payment per $1,000, based on a 120 month Boat/RV Loan at 4.5% is $10.37 per $1,000. Limited time promotion, expires 6/30/2021.  The credit union reserves the right to discontinue promotion at anytime.  Must be credit qualified.  Offer is not valid to refinance existing Saratoga’s Credit Union fixed rate loans.



Refinance Your Existing Loan Today

If you already have a loan and are looking to decrease your payment or refinance into a better rate, we can help you too.  Simply, apply today to get started.

Start Your Search to find the Perfect Match

Not sure what you want? Start by exploring your favorite vehicle body styles

Boat RV
Boats RVs
ATV Snowmobile
ATVs Snowmobiles

Payment Calculator

Find out how much you can afford

Apply For A Loan

Click to apply online today!

Get Pre-Approved Rates


Does My Credit Affect My Insurance

We all know that our credit history will affect whether or not we get the loan we need to buy a house (or car, boat, etc.) or refinance an existing loan, but what most people don't realize is that credit history can also affect how much we pay for auto insurance.

Debt Protection

Your credit union wants to ensure that you and your loans are protected.  Protect your family and lessen the burden of making your loan payments should you become unemployed, disabled or lose your life with Debt Protection.

Pay Your Loan

Securely pay your loan using a debit card or e-check from another bank or credit union.