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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

For new or used boats, purchase or refinance. Qualified borrowers can finance up to 125% of NADA book value or up to 125% of the purchase price, whichever is less.

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, account relationship, and payment method. 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. Published rate includes a 0.50% discount given when you maintain electronic payments and Plus or Relationship benefits on your DCU checking account. Rate is subject to change after consummation.

²EMP = Estimated Monthly Payment

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