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SAVE with ZERO INTEREST & NO FEES for 6 Months on Balance Transfers & Purchases with your Capitol View Mastercard! Offer ends March 31. Learn more & take advantage of 0% APR* today!

Boat & RV Loans

Boat & RV Loans
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Need more information? Let's talk about how we can help set your up for financial success!

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Boat & Recreational Vehicle Loans

Hit the road—or the water—with confidence when you finance your boat, RV, or ATV with Capitol View! Our loans offer great rates on new and used models, plus longer terms to keep your payments comfortable.

Start your next adventure with a loan from Capitol View Credit Union!

Contact one of our loan officers at caploan@capview.org or call 515-348-8350, Option 4.

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Protect Your Investment:

  • Vehicle Protection Plan

    Our Vehicle Protection Plan offers you a range of essential vehicle protections to save you money and frustration. Speak with one of our loan officers for additional details and a quote.

    • Key/Remote Replacement
    • Tire & Wheel Road Hazard Protection
    • Cosmetic Wheel Repair
    • Paintless Dent Repair
    • Windshield Repair
    • 24-hr Emergency Roadside Assistance

  • GAP Coverage

    GAP coverage is a valuable safety net for your vehicle loan. In the event of an accident, insurance companies traditionally will only reimburse you for the current retail value of the vehicle. However, many times, especially with new vehicles, the retail value is less than the outstanding loan balance. GAP insurance is there to cover the ‘gap’ between the vehicle’s retail value and the outstanding loan balance. In addition, our GAP insurance now offers deductible reimbursement in the event of minor accidents.

    • Auto Deductible Reimbursement (ADR) – provides insurance deductible reimbursement coverage up to $500, should you ever experience a covered loss.
    • To file a Claim: Go to www.assuranceplus.com/claims or call the claims administrator at 1.877.296.4892 to request a claim form.

    Ask your loan officer about the advantages of GAP coverage and for a quote.

  • Extended Warranty

    Capitol View offers Route 66 Extended Warranty coverage on our vehicle loans. Typically, our plans offer equal or better coverage at a lower price than what dealers and banks offer. Each year, we have members save hundreds, even thousands, on unexpected repairs thanks to their extended warranty coverage.

    Contact a loan officer for examples of recent member savings, details on coverage, and pricing.

  • Debt Protection Coverage

    Debt Protection coverage provides an additional layer of safety net for your family and obligations. It may cancel your loan balance or payments in the event of:

    • Involuntary Unemployment
    • Disability
    • Death
    Learn More

Boat & Recreational Vehicle Loan Rates

New Boat & Recreational Vehicle Loans (2024 and Newer)
TermRegular RateLoyalty Rate*
Up to 36 Months4.74%4.49%
Up to 48 Months4.99%4.74%
Up to 60 Months5.24%4.99%
Up to 72 Months**5.99%5.74%
Up to 84 Months**6.24%5.99%
Up to 96 Months**6.74%6.49%
Up to 180 Months**7.24%6.99%
2021 – 2023 Used Boat & Recreational Vehicle Loans
TermRegular RateLoyalty Rate*
Up to 48 Months5.24%4.99%
Up to 60 Months5.99%5.74%
Up to 72 Months**6.74%6.49%
Up to 84 Months**7.24%6.99%
Up to 96 Months**7.74%7.49%
Up to 120 Months**8.24%7.99%
2019 – 2020 Used Boat & Recreational Vehicle Loans
TermRegular RateLoyalty Rate*
Up to 48 Months6.74%6.49%
Up to 60 Months7.24%6.99%
Up to 72 Months**7.74%7.49%
Up to 84 Months**8.24%7.99%
Up to 96 Months**8.74%8.49%
Up to 120 Months**9.24%8.99%
2018 and Older Used Boat & Recreational Vehicle Loans
TermRegular RateLoyalty Rate*
Up to 36 Months7.74%7.49%
Up to 48 Months8.24%7.99%
Up to 60 Months8.74%8.49%
Up to 72 Months**9.24%8.99%
Up to 120 Months**9.74%9.49%
Rates are as of Feb 2, 2026 and are subject to change. APR = Annual Percentage Rate. All rates listed are our best rates and may vary based on creditworthiness and other factors. Capitol View uses TransUnion for credit reporting information. To view a copy of your credit report visit annualcreditreport.com
**Boat and recreational vehicle loans over 60 months must have a minimum initial balance of $5,000 or more.
*Loyalty Rates: Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts.

To calculate the future value of a one-time, lump-sum investment, enter the dollar amount invested, the interest rate you expect to earn, and the number of years you expect to let the investment grow, then click the "Perform Calculation" button.

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The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

To calculate the future value of a monthly investment, enter the beginning balance, the monthly dollar amount you plan to deposit, the interest rate you expect to earn, and the number of years you expect to continue making monthly deposits, then click the "Perform Calculation" button.

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The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

Enter the term, rate, and either the payment or loan amount - the other will be calculated for you.

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The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

You've seen all the low rates the auto dealers have been offering if you finance your new vehicle with them, but is this the best deal for you?

If you were to take the rebate, apply it to the cost of the vehicle and borrow the rest of the money from us, chances are your payment would be lower and you would save interest as well.

Fill out the form below using the cost of the vehicle, the total rebate, the dealer's interest rate, Credit Union's interest rate, and the length of the loan. Estimated payments will be calcualted, depending on where you borrow the money.

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The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

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