Lighthouse Credit Union
Adventure awaits. Flexible, affordable boat & RV Loans to take you wherever you dream to go.
Whether you’re cruising the coastline or hitting the open road, our tailored financing gives you the freedom to explore within your budget. With competitive rates, flexible terms, and guidance each step of the way, we’ll make it easy to finance your next adventure. From pre-approval to payoff, we’re here to help you make unforgettable memories.
The loan term you choose is a main factor in calculating your payments. We’ll show you options to you keep your payments within your budget.
Apply online anytime or make an appointment at any branch location. You’ll get a quick decision either way.
Members are at the core of what we do. Our priority is helping each member reach their financial goals.
Effective 10/28/2025
| Term | APR As Low As1 | Minimum Balance | Model Year |
|---|---|---|---|
| Up to 60 Months | 8.19% | $5,000 | 2025-2022 |
| 61-120 Months | 8.69% | $25,000 | 2025-2022 |
| 121-180 Months | 9.69% | $50,000 | 2025-2022 |
| Up to 60 Months | 8.24% | $5,000 | 2021-2015 |
| 61-120 Months | 9.19% | $25,000 | 2021-2015 |
| 121-180 Months | 9.79% | $50,000 | 2021-2015 |
All loans are subject to credit and collateral approval. The lowest advertised annual percentage rates (APRs) are available to well-qualified borrowers. Actual rates and amounts financed are determined by applicant’s credit score, loan term, and age of collateral. Advertised APR for boat and RV loans only. Rates and terms may change at any time without notice. APR is fixed and will not increase after consummation. Advertised APR includes a 0.30% loan discount (example 8.19% – 0.30% = 8.49%). A 0.10% discount will be applied to an eligible loan for each of the following qualifying three (3) factors: 1) Maintaining an open consumer checking account with a positive balance at least every thirty (30) days; 2) Maintaining an automatic payment established on the loan originating from a Lighthouse Credit Union account. Automatic payment must be established by contacting Lighthouse Credit Union; transfers set up in online or digital banking do not qualify; 3) Maintaining an active consumer credit card product. Active is defined as having transaction activity within the last ninety (90) days. If all qualifying factors are met, a total discount of up to 0.30% will be applied to the member’s base rate. Must request loan discount within ninety (90) days of the loan closing date. Discount conditions will be set forth in the Loan Discount Addendum. Must be a member of Lighthouse Credit Union with at least $5 in a Lighthouse Savings account. Boat/RV loan payment example: a $15,000 boat/RV loan with an annual percentage rate of 8.19% for a term of 60 months will have an estimated monthly payment of $332.97, including optional debt protection.
*Mobile check deposit is only available to members over 16 years old. Deposits are subject to our discretion. Standard Funds Availability policy applies. Please see the Mobile Deposit Disclosure and Agreement for details.
Whether you’re eyeing a new or used sailboat, motorhome, or towable travel trailer, our loan options cover a wide range of vehicles to support your journey.
No, you can apply even if you’re not a Lighthouse member. If you’re approved and decide to move forward, we’ll help you establish your membership as part of the process. Learn more about becoming a Lighthouse Credit Union member.
Absolutely. You can apply before you start shopping. Knowing how much you’re approved for ahead of time can simplify your purchase and help you in the negotiation process.
Being a credit union member supports community inpact by helping fund local programs through reinvested earnings.
We’re helping more people find homes and essential shelter through partnerships with nonprofits and local government.
Our employees are given paid time off to volunteer for community programs of their choice.
We partner with organizations that help to enrich and nourish the lives of our neighbors.
We fund programs that help fight food insecurity across our communities.