RV Loan Interest Rates and GAP Insurance

Your next adventure awaits

Hungry for travel? We totally understand the feeling. If you're dreaming of a vacation exploring the land or enjoying the water, GOLD is here to help you take your adventure to the next level.

Vacation on your terms in your very own RV or boat. RVs and boats hold the key to satisfying your wanderlust and sense of adventure, and they provide a fun experience the whole family can enjoy. Whether you choose your next travel destination by spinning a globe or randomly selecting a scenic location off your bucket list, we'll help you get there with excellent rates and terms stretching as long as 15 years!

Explore the Open Road

Ready for an adventure? The open road awaits! Take a vacation and hit the road in a new or new-to-you RV. Your new home on wheels is your transportation and hotel all in one, letting you explore the sights where you want, when you want.

So, where will your next adventure lead you? The options are endless in an RV, so if you've got your sights set on an RV, now may be the right time to invest in one. Whether you’re a first time RV buyer or seasoned RV enthusiast, be sure to keep GOLD in mind for your financing needs. We’ve got the same great rates and terms on new and used RVs. Plus, GOLD also has the ability to finance your taxes, tags, titling fees, and GOLD ancillary products, including GAP Insurance and Extended Vehicle Warranties, above the 100% vehicle loan value.

Swoosh for The Water is Calling Your Name

The Water is Calling Your Name

Are you ready to set sail and ride the ocean waves? How about spending time relaxing on the calm waters of your favorite lake or bay? Regardless of which body of water you prefer, we're here to help you make a splash in your very own boat.

Gather up your fishing gear, rafting equipment, and inner tubes with your family and friends for your next great boating adventure. GOLD's got your financing covered with loan options up to 15 years.

Finance your RV or Boat with GOLD

If you've got your sights set on a RV or boat, our loans¹ will help you hit the road or ride the waves in no time. It features many of the same benefits as our Car, Truck, & Motorcycle Loans, including:

Competitive rates
Flexible terms up to 180 months (fifteen years) to match your budget
No monthly fees or prepayment penalties
Easy online application for fast pre-approval
Optional GAP Insurance

Rates effective 01/01/2022

New & Used Recreational Vehicles
Terms	APR¹ as low as
Up to 60 Months (5 Years)	4.73%
61-120 Months (10 Years)	6.75%
121-180 Months (15 Years)	8.47%

Save More on Your GOLD Loan

Members with GOLD Medal Checking² are eligible for a relationship pricing discount³ on select new loans with GOLD when automatic payments are enabled. You can save 0.50% on the applicable annual percentage rate of new GOLD RV & Boat Loans. Don't have GOLD Medal Checking yet? We'll walk you through how it works and the perks, and we can even open the account for you right alongside processing your loan.

¹ Credit Union eligibility and Membership are required prior to opening an account or loan. Rate, term, and loan amount vary. Approval based on credit review and collateral evaluation. Not all applicants will qualify for approval. Dirt bikes, scooters, ATVs, and other non-titled vehicles do not qualify as sufficient collateral for RV Loan. Other fees, terms, and conditions may apply. APR will vary based on credit review. ² To maintain eligibility for a GOLD Medal Checking account, Members must have a minimum of $850 per month in deposits, $750 per month in withdrawals, and an active GOLD Debit or Credit Card. If the account does not meet these requirements for six consecutive monthly statement periods, the account will be converted to the GOLD Standard Checking account by the end of the seventh monthly statement period. Fees could reduce earnings; see fee schedule. ³ GOLD Medal Checking account holders are eligible for a .25% discount of the applicable annual percentage rate on new fixed rate home equity loans and a .50% discount of the applicable annual percentage rate on new fixed rate auto, recreational vehicle, and personal loans. Discount is not retroactive to loans funded prior to opening GOLD Medal Checking. Direct deposit and automatic payments tied to the frequency of payroll must be set up for the new loan to be eligible. If automatic payments are disabled or Member no longer holds a GOLD Medal Checking account, loan rate discount will be removed effective at the time of the change in status. Monthly payments are calculated at the non-discounted rate. Not all applicants will qualify for loan approval. Other terms and conditions may apply. See credit union for details.

GAP Insurance and Extended Warranties

Before you head out on the road or the water, don't forget to protect your new purchase (and your wallet) with GAP Insurance and an extended warranty.

GOLD Credit Union offers Guaranteed Asset Protection (GAP) Insurance⁴ on loans for your RV or boat and is there to protect you from life's unexpected moments. If your RV or boat is stolen, damaged, or totaled, GAP insurance will step in to bridge the "gap" and cover your remaining loan balance. Learn more about GOLD's GAP Insurance.

Extended warranties aren't only for cars, trucks, and motorcycles, they're for your larger recreational toys, too! Customize your coverage on your RV or boat with a Vehicle Service Agreement⁵ through our partnership with IWS.

Vacation your way with an investment that will last and get pre-approved for a RV or Boat Loan today.

Not a Member yet? Join GOLD today, and you'll be eligible to apply for your loan immediately.

Apply for a RV or Boat loan

_{¹ Credit union eligibility and Membership are required prior to opening an account or loan. Rate, term, and loan amount vary. Approval based on credit review and collateral evaluation. Not all applicants will qualify for approval. Dirt bikes, scooters, ATVs, and other non-titled vehicles do not qualify as sufficient collateral for RV Loan. Other fees, terms, and conditions may apply. APR will vary based on credit review. ² To maintain eligibility for a GOLD Medal Checking account, Members must have a minimum of $850 per month in deposits, $750 per month in withdrawals, and an active GOLD Debit or Credit Card. If the account does not meet these requirements for six consecutive monthly statement periods, the account will be converted to the GOLD Standard Checking account by the end of the seventh monthly statement period. Fees could reduce earnings; see fee schedule. ³ GOLD Medal Checking account holders are eligible for a .25% discount of the applicable annual percentage rate on new fixed rate home equity loans and a .50% discount of the applicable annual percentage rate on new fixed rate auto, recreational vehicle, and personal loans. Discount is not retroactive to loans funded prior to opening GOLD Medal Checking. Direct deposit and automatic payments tied to the frequency of payroll must be set up for the new loan to be eligible. If automatic payments are disabled or Member no longer holds a GOLD Medal Checking account, loan rate discount will be removed effective at the time of the change in status. Monthly payments are calculated at the non-discounted rate. Not all applicants will qualify for loan approval. Other terms and conditions may apply. See credit union for details. ⁴Your purchase of GAP is optional and will not affect your application for credit or the terms of any credit agreement you have. Certain fees, eligibility requirements, conditions, and exclusions may apply. Coverage and costs will vary. See credit union for details. ⁵Your purchase of an IWS Vehicle Service Agreement is optional and will not affect your application for credit or the terms of any credit agreement you have. Certain fees, eligibility requirements, conditions, and exclusions may apply. The coverage offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by GOLD Credit Union. Coverage and costs will vary. See credit union for details.}