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DCU Routing Number: 211391825

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Man in fishing boat

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.


Same low rates - on new and used boats.
Buy or refinance - borrow to buy your next boat or refinance the one you have.
9.99% APR


0.50% for Plus and Relationship members

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.

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. Credit and collateral are subject to approval. 

²EMP = Estimated Monthly Payment

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