Recreational Vehicle Loans

Get out and play! Let Valley Communities Credit Union finance the purchase of your boat, camper, motorcycle, ATV, jet ski, or snowmobile. Our loan officers are here to help. If you already have a loan, talk to us about refinancing and see if we can save you money. Best of all, our loan decisions are made locally and in most cases within 10 minutes of a completed application. Talk to one of our loan officers if you want:

  • competitive interest rates.
  • fast loan decisions.
  • flexible terms.
  • monthly, bi-weekly, and weekly payment options that allow flexibility if your financial needs change. Payments are applied to the loan at time of receipt.
  • payroll deduction, ACH, direct deposit and bill pay payment options.

Call us, stop in or apply online to get pre-approved.

Membership Matters Loan Program

If you have less than perfect credit, stop in and talk to one of our loan officers about the benefits of our Membership Matters loan program. When compared to other lenders we offer:

  • reduced interest rates.
  • lower payments and interest costs.

Options may vary based on term, interest rates. See our rates page for payment options.

Vehicle protection

Get a free quote on our GAP insurance here.

GAP Insurance

Guaranteed Asset Protection (GAP) insurance is your reassurance that if something happens to your vehicle (stolen and not recovered, or totaled in an accident and is not able to be repaired) and your insurance settlement doesn’t cover the balance of your loan, you’ll be taken care of. GAP insurance covers the amount between your vehicle’s value as set by the insurance company and the balance you still owe on it.

  • VCCU offers GAP insurance for $325.
  • VCCU’s GAP Insurance may cover up to $1,000.00 of your primary insurance company’s deductible.
    The deductible will only be paid if there is a deficiency balance on the loan.
  • Auto Deductible Reimbursement (ADR) pays up to $500 per loss (limit of two losses per year) when a claim is filed and paid with your primary insurance carrier.

  • Coverage of ADR is effective upon date of enrollment and will continue for three years. 

  • GAP insurance is available on:
  • boats,
  • motorcycles,
  • campers,
  • ATVs,
  • snowmobiles

Subject to value limitations.