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Recreational

Explore America's backroads - or skim across sparkling waters. 

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Our RV, boat and motorcycle loans make outdoor fun more affordable

This is what weekends are made for - vacations, too. Seek adventure. Relax with family. Discover what lies upriver or around the next highway bend. At Market USA, our recreational vehicle and boat loans come with low interest rates, flexible payment plans and the opportunity for unlimited enjoyment.

  • Loans for new and used motorhomes, campers, boats, motorcycles and other recreational vehicles
  • Competitive rates designed to save you money
  • Payment terms up to 120 months
  • Make no payments for 2 months1 when you finance your vehicle with us or move your existing loan from another lender.
  • Finance up to 100% of your purchase price plus tax and tags.2
  • Another refinancing opportunity - use the equity you have in your vehicle for a Cash-Out Loan that puts extra money in your hands.

Get some breathing room

  • Skip-a-Payment3 on your Market USA auto loan twice a year for a nominal fee. Simply log in to Online Banking or our Mobile App, select "Skip a Pay" from the menu, and follow prompts.

Features & Benefits


RV & Boat Rates
Loan Term New & Used APR as low as
60 Months 7.75%*
72 Months 8.15%*
84 Months 8.74%*
96 Months 9.74%*
120 Months 10.74%*

Rates effective as of 12/21/2024.

*Rates shown include a .25% discount for automatic payment and an additional 0.50% for having a qualifying Reward Rate Relationship. Your actual rate may vary depending on credit and discounts taken.

Rate Disclosures

Motorcycle Loan Rates
Loan Term New - APR as low as Used - APR as low as
36 Months 5.74%* 5.74%*
48 Months 5.99%* 5.99%*
60 Months 6.49%* 6.49%*
72 Months 6.74%* 6.74%*
84 Months 7.99%* 7.99%*

Rates effective as of 12/21/2024.

*Rates shown include a .25% discount for automatic payment and an additional 0.50% for having a qualifying Reward Rate Relationship. Rates for vehicles 7 years and older are 3.00% above the stated rate. Your actual rate may vary depending on credit and discounts taken. Rates are also applicable to Cash Out Motorcycle (Title) Loans.

Rate Disclosures


Loan Calculators


1 Payments can be made during the two month deferral period. During the two month payment deferral, interest will accrue and may extend the original term of the loan. Offer does not apply to refinancing auto loans currently with Market USA. Offer is subject to change without notice. Market USA vehicle financing obtained through or initiated by an auto dealership within the Credit Union Direct Lending (CUDL) networks does not qualify for two month payment deferral.

2 100% financing may be impacted if vehicle selling price is substantially higher than vehicle value. Subject to credit approval.

3 A minimal processing fee per loan will be charged to your savings or checking account based on your monthly payment. Interest will continue to accrue on unpaid loan balance. To qualify for extension, loan must be open for at least 90 days and in good standing. Certain restrictions apply. Call for details.


Market USA Federal Credit Union is a full-service financial institution with locations in Maryland and South Carolina as well as nationwide locations through the Shared Branch Network.