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With MTC Federal, part of the lifetime benefits each member receives is access to our Guaranteed Better Loan Advantage™: Better Rates, Better Payments, Better Terms. That means your journey for the best loan a motorcycle, RV/camper, boat or other recreational vehicle begins here.


Work hard. Play hard. On the road or in the water, with our Guaranteed Better Loan Advantage™

Whether you dream of crossing the country on a motorcycle or RV, or your idea of play hard is a boat, jet ski or other watercraft, MTC Federal is the place to go for the best loan for your next adventure. We specialize in loans for recreational vehicles: Offering low rates flexible terms for loans on motorcycles, RV/campers, boats and other watercraft.

Our Lending Experts will work with you to see how much money you qualify for and exactly what your monthly payments will be, so you can shop for your next recreational vehicle with confidence!

Benefits of Recreational Vehicle Loans from a Credit Union

Because we're a local credit union, we focus on recreational vehicle loans built around our members' needs -- not canned solutions. Each loan is customized for the member, ensuring they get the right solution with the best rates (APR) and terms. And what makes borrowing from MTC Federal such a refreshing experience? No local credit union or bank can match the benefits we offer members:

  • Low Rates
    Check today's historic low rate and give us the opportunity to beat a competitors’ loan.
  • Flexible Terms
    MTC Federal offers recreational vehicle loan terms from 24-128 months.
  • Delayed First Payment
    MTC Federal offers plans that include up to 90 days before your first payment is due.
  • Skip-a-Payment
    Help MTC Federal give back to the community, and they’ll give you a month off your payment.
  • Member Protection
    MTC Federal offers vehicle protection services covering mechanical repair and damage.
Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
Term Annual Percentage Rate (APR) as low as
24 Months 5.70%
36 Months 5.70%
48 Months 5.95%
60 Months 6.20%
72 Months 6.95%
84 Months 7.95%

$66 million

money available to lend to vehicle loan applicants in 2024.

"I’ve been a member with MTC for years ... I’ve taken out 2 loans. They are so on top of things, they are great at what they do, and I certainly will never bank anywhere else. I previously banked with 2 major, popular banks and left both of them to use MTC only because it is the best." - Maggie, member

Getting your recreational vehicle loan

The one thing you need to know about the loan approval process with MTC Federal? We do all the work! Whether its on the road or in the water, we look to get you approved fast. Here's how it works:

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Begin your application in seconds with our brief interest form. One of our advisors will receive your form and follow up with you shortly.

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No matter what, each lead is followed up with by the next business day. Oftentimes we are able to reach out to those looking for a loan the same day. Be ready for a phone call.

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Set aside enough time for an in-depth conversation, between 10 and 20 minutes. Let us know what you want the loan for, how much you want and why you’re choosing MTC Federal as your lender.

©2024 MTC Federal Credit Union. *Annual Percentage Rate (APR) may vary depending on each individual’s credit history and underwriting factors. All loans subject to credit union approval. All credit union loan promotional offers, programs, rates, terms and conditions are subject to change at any time and without notice. Offer may end at any time. Other restrictions may apply.