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Recreational Vehicle Loans

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Today's Rates

New Boat: As low as 4.25% APR* for up to 60 months

Used Boat: As low as 4.75% APR

New Motorcycle:  As low as 4.25% APR

Used Motorcycle: As low as 4.75% APR

New Recreational Vehicles:  As low as 4.25% APR

Used Recreational Vehicles: As low as 4.75% APR

Are you ready to hit the water in a new or used boat? South Carolina Federal offers a number of financing options to fit your needs. Purchase new, used, refinance, or pre-qualify - choose a loan that fits your needs.

  • Affordability - low rates
  • Pre-qualify to know what you can spend
  • Free automatic payments
  • No early payoff penalty
  • No application or processing fees
  • Rate discounts for premium & simple checking members

* APR is accurate as of 10/21/13. Rates and terms are dependent upon your creditworthiness, collateral and are subject to change. Payment example: If you finance $25,000 for 60 months at 3.75% APR, your monthly payment will be $457.60. Additional rates and terms are available for refinancing existing South Carolina Federal loans.

Ready To Apply?

Three easy and convenient ways to apply:

Online button By phone button In branch button

Not A Member?

If you’re not currently a member of South Carolina Federal Credit Union, you can still apply for a loan and qualify for membership. Want to learn more about joining the credit union? Learn more

Member Tips

When applying for a loan, don't forget to ask about extra ways to protect yourself with insurance and warranty options.

GAP Insurance

Guaranteed Asset Protection pays the difference between the vehicle’s actual value and the loan payoff amount. New or used cars, trucks, SUVs and motorcycles are eligible.


Original purchase price $25,000
Loan balance after total loss $20,000
Current value* $16,000
Amount you still owe on loan $4,000
Amount GAP would pay $4,000
Amount you owe with GAP Coverage $0

*this amount is determined by your insurance company

Mechanical Warranty

Members have access to extra mechanical warranty protections such as:

  • Rental vehicle assistance
  • Tire protection
  • Trip interruption insurance

Get a no obligation mechanical warranty quote.

Credit Life & Disability

Coping with an unexpected disability or death can be emotionally and physically stressful for your family. Struggling to make loan payments on a reduced income is another heavy burden your family shouldn’t have to bear. Ask your branch repersentative about adding protection to your loan.

Rate depends on term, creditworthiness, and collateral. 

Online Banking Enrollment

Enrolling in Online Banking is simple and FREE:

  1. Enter your User ID
  2. Enter Phone Banking PIN as your Password
  3. Click on the LOG IN button

If you don't know your Phone Banking PIN, please contact us at 843.797.8300 (Charleston) or 800.845.0432 (Nationwide).