Rates

Over the river or through the woods, recreational toys are not for the faint of heart. It speaks to the adventurer in you. Hit your terrain of choice on your own terms. Your first step is here.

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Current Recreation Loan Interest Rates

Your recreation loan interest rate doesn’t have to break your budget at Sioux Falls Federal Credit Union. Here’s what you can expect currently:

ATV's/UTV's/Motorcycles/Snomobiles/Personal Watercraft

Credit Tier 1 2 3 4 5
up to 24 Months 3.49% 3.99% 6.49% 10.49% 12.49%
25-36 Month 3.74% 4.24% 6.74% 10.74% 12.74%
37-48 Month 3.99% 4.49% 6.99% 10.99% 12.99%
49-60 Month 4.49% 4.99% 7.49% 11.49% 13.49%
61-84 Month 4.49% 5.49% 7.99% 11.99% 13.99%

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Boats/Campers/Motorhomes

Credit Tier 1 2 3 4 5
37-60 Month 3.99% 4.49% 6.99% 10.99% 12.99%
61-72 Month 4.24% 4.74% 7.24% 11.24% 13.24%
73-84 Month 4.74% 5.24% 7.74% 11.74% 13.74%
85-120 Month 5.24% 5.74% 8.24% 12.24% 14.24%
121-144 Month 5.49% 5.99% 8.49% 12.49% 14.49%
145-180 Month 5.74% 6.24% 8.74% 12.74% 14.74%

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Your loan interest APR** will be determined by your credit score. The numbered tiers shown represent credit score ranges as follows: 1= 730+, 2= 690-729, 3= 640-689, 4= 610-639, 5= 609 or lower. The specific rate will be set at the time of loan application review.  Variable rates are subject to change at the end of each calendar quarter and shall not exceed 18.00% APR.  

* Auto & Recreational Rates are effective as of March 1, 2021.

**APR - Annual Percentage Rate

***Vehicles with a MSRP greater than $75,000 may have a higher rate.