Online Banking


Call your friends. It's time to go boating!

Seattle Credit Union helps boaters make lifetime memories.

If you are considering buying a new boat or you already have a boat loan with another financial institution, we would love to talk with you.

Our love of boats and the boating lifestyle is reflected in our interest rates, which can make a big difference on your monthly boat payment. When accounting for all the expenses of owning a boat, Seattle Credit Union can help ensure you get to spend as much time on the water by giving you piece of mind that you are getting the best deal.

Innovative loan features like Anytime Skip-A-Pay, GAP coverage, Debt Protection, and no origination fees make Seattle Credit Union's Boat Loans among the best on the water.

Turn big savings into more time on the water.

It’s quick and easy to apply online and you’ll usually have an answer in just a few minutes. Once your loan is approved, you can sign your loan documents electronically from the deck of your boat and be on your way to navigating the Cut, anchoring in Andrews Bay, fishing the Sound, or hitting the course on Lake Sammamish. At Seattle Credit Union, we'll make it easy to get on the water, so you can make those memories that as boaters we all cherish.

Launch Checklist

  • Loan amounts up to $250,000
  • Loan terms up to 15 years, depending on loan amount
  • Boats must be less than 20 years old to qualify for boat loan rates. Older boats may qualify for Secured Loan rates.
  • A Marine Survey is required on all used wood wood-hull boats and fiberglass boats over 10 years old and 20 feet in length.

Who's Eligible?

If you live or work in the state of Washington, you are eligible to borrow from Seattle Credit Union. For over 80 years we've been helping our community members finance their most important purchases.

Apply Now

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Current Rates

Up To 84 Months:
Up To 120 Months:
Up To 144 Months:
Up To 180 Months:

*APR Effective as of August 1, 2019. See disclosures for complete details, here.

See All Rates

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Save on boat insurance

We've arranged for Travelers Insurance to offer a special discount to our members on insurance that can help protect your boat or yacht. Travelers is well-versed in the unique needs of boat owners and offers coverage that many other insurers may overlook. Get a free, no-obligation quote by calling a licensed insurance representative at 800.842.5936.

Learn More

Boat Loan Calculator

Use this calculator can help you estimate your payments and the amount of interest you'll pay on your boat loan.

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We offer application flexibility:

Apply with a Social Security Number or ITIN

Whether you are looking to get a credit card; buy a car, truck, SUV; or even finance a boat or RV, Seattle Credit Union has options for applying with a Social Security Number (SSN) or an Individual Tax Identification Number (ITIN). We offer the same great products with lower rates and fewer fees than you'll find at most dealerships or banks regardless of how you apply. Let us help you finance your next major purchase. If you are ready to get started, talk to a friendly lending expert today by calling us at 855.575.9352.

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Private-party financing

If you are buying a boat from a private seller in Washington State, Seattle Credit Union should be your first stop. We've been financing private-party sales for years. We have trained loan representatives who can guide you through every step of the process to make sure you get the deal you want with no surprises.

  • Processing the Department of Licensing title work to transfer ownership.
  • Researching what the boat you're looking at is actually worth.
  • Mechanical Breakdown Protection, which can protect you from costly repairs.

To make things even easier, we'll cut a check directly to the seller, so they have the peace of mind of receiving their money promptly.

Apply Now

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Por favor llame al 206.398.5594 para comunicarse con nuestros representantes que hablan Español a fin de obtener detalles o si tiene preguntas.

Protect Your Loan, Your boat & Your Good Name

The world is unpredictable. We know that accidents happen, boats break down at the worst time, and illnesses spring up that can prevent you from working. When the unexpected happens, you’ll be happy that you have one of these add-on loan protection products from Seattle Credit Union. Ask one of our friendly auto loan experts about how to add one, two, or all three of these products to your loan by calling 855.575.9352

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GAP Advantage

If your boat is totaled in an accident, your insurance may not cover the entire balance of your loan, especially if your boat is brand new. To make up the difference, we offer GAP Advantage coverage, which can cover whatever is left after your insurance company cuts their check.

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Mechanical Breakdown Protection (MBP)

MBP, also called Extended Warranty, can enhance and even replace the original manufacturer’s warranty and can cover breakdowns and repairs, so you don’t have to stretch your budget when your boat is in the shop.

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Debt Protection

If you get hurt or get sick and can’t work, the last thing you may think about is your boat payment. Debt Protection makes sure you don’t have to worry about it. When you are laid up for an extended period of time, Debt Protection can cover your payment until you are back up and around and able to return to work. Some plans can even cover periods of involuntary unemployment.

Apply Now. Get Answers Fast.

Getting your loan at Seattle Credit Union could not be more simple. There are three easy ways to apply:

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By Phone

Call our specially-trained loan experts, who are happy to answer any questions you might have. They can take your application and get you a decision while you wait, in most cases. Call 855.575.9352 to get started.

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When you are ready to apply, head over to our online loan application to get started. Answer a few short questions, hit submit, and you’ll usually have an answer in just a few minutes.

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In Person

Stop by any of our convenient branches to talk with our helpful, friendly branch representatives. They can help you figure out which loan is right for you and connect you with a loan expert or help you apply online to get you a decision fast.

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Not ready to act just yet?

Just fill out your info below and we'll contact you and help answer any questions you may have.