Skip to main content

Boat Loans

Fun in the Sun.

Let BTCU help you make some summertime memories. Whether you are looking for a fishing boat, pontoon or pleasure boat, our low rates are quite the catch! 

We offer:

  • Low rates
  • Flexible terms – up to 120 months
  • Up to 110% financing
  • Easy online payment options
  • Fast approvals
  • Electronic document signing
  • Receive a .25% discount when you sign up for auto pay from a BTCU checking account. 

Did you know? It’s our job to save you money. BTCU makes it easy to refinance your boat loan. Contact a loan officer by calling 763.315.3888 Option 2 or apply online to see how much you can save TODAY!

Get the protection you need. 

  • GAP Plus Insurance – Covers the gap between your boat’s value and what you owe if your boat is totaled in an accident. Plus, gives you $1000 down on your next boat when you finance with BTCU.
  • Debt Protection – If you are totally disabled due to injury or illness or in the event of your unexpected death, or suffer from job loss, it may help cover your loan payment or payoff your loan.

Boat Loan Rates

Rates as low as 6.84% APR 1

1 Annual Percentage Rate “APR” is fixed for the term of the loan. Actual rate is based on applicant’s credit history and term of loan. Loan is subject to credit approval. Disclosed rate includes .25% discount for auto pay from BTCU checking account. Rates are subject to change.

Apply Now!

It’s easy to apply for your BTCU loan.
Click below to apply online.

Learn More »

Loan Calculator




  • Type in the purchase price, number of payments (months), and annual percentage rate into the corresponding form fields.
  • Click on the button marked Calculate.
  • Your results will appear in the Results box.

Note: This calculator is provided only to give an estimate of your loan. Your monthly payment and total amount paid may vary. Talk to your loan representative for additional details.