DCU Routing Number: 211391825
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Boat Loans
New or used boats – we offer the same low fixed rates on the sea or on the lake.
At a Glance
We offer competitive rates and terms to help you purchase a new boat or refinance your existing boat loan.
Benefits
- Same low rates - on new and used boats.
- Buy or refinance - borrow to buy your next boat or refinance the one you have.
BOAT LOANS
As Low As
New or used - we offer the same low rates on the sea or on the lake. Rate is subject to change after consummation.
APPLY NOWMembership Level Discount
0.50% INCLUDED FOR PLUS AND RELATIONSHIP MEMBERS WITH ELECTRONIC PAYMENTS
Maximum amount
UP TO 125% OF VALUE
Membership Required
1. Eligibility by Family Relationship to a Current DCU Member
Relatives of DCU members are eligible to join if they are spouses, domestic partners, children grandchildren, parents, grandparents or siblings (including adoptive in-law, and step relationships).
2. Eligibility by Company You Work for or Retired From
- You currently work for or retired from a company in our list of participating employers.
- You have a family relationship (as described above) to a non-member who currently works for or retired from a company or organization in our field of membership.
3. Eligibility by Organization You Belong To
- You currently belong to or join an organization whose members we serve.
- You have a family relationship (as described above) to a non-member who belongs to an organization in our list of participating organizations.
4. Eligibility by Community
You are automatically eligible to join DCU if you live, work, worship, or attend school in one of the communities in our list. Any business or other legal entity located in one of these areas is also automatically eligible to join.
Boat Loan Rates
Rates listed for new or used boats, purchase or refinance. Get up to 125% LTV (loan-to-value), subject to DCU's underwriting criteria. Maximum age for boats to be financed is 10 years old.
| Terms | APR¹ | EMP² Per $1,000 |
|---|---|---|
| Up to 60 Months | 9.99% | $21.24 - (Minimum Loan Amount $5,000) |
| Up to 72 Months | 10.49% | $18.77 - (Minimum Loan Amount $15,000) |
| Up to 84 Months | 10.99% | $17.12 - (Minimum Loan Amount $15,000) |
| Up to 120 Months | 11.49% | $14.05 - (Minimum Loan Amount $25,000) |
| Up to 180 Months | 11.49% | $11.68 - (Minimum Loan Amount $50,000) |
¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, Member Benefits Level, and payment method, your rate may differ. Published rate includes a 0.50% discount given when you add and maintain direct deposit of at least $500 per calendar month (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, social security, or other monthly income) to your checking account, excluding HSA Checking Accounts and pay your loan electronically. Social Security is exempt from the $500 per calendar month minimum. Rate is subject to change after consummation. Rates listed are for this product only and are subject to change at any time. Rates and terms on loans for other types of vehicles will differ. Collateral subject to review, DCU does not finance vehicles that are or have been a “Lemon Law Buyback” and/or “Salvage” title vehicle.
²EMP = Estimated Monthly Payment
Plan for Your Boat Loan
Choose from our easy to use calculators to help you manage your boat loan.
- Should I pay off my loan early?
- How much boat can I afford?
- How much will my loan payment be?
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853 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
ABA Routing Number: 211391825
NMLS# 466914
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Federally insured by NCUA
