*Annual Percentage Rate. Membership eligibility required. APR on 2012 and newer boats ranges from 2.89% to 16.19% APR. Loan example: on a $25,000 boat loan at 2.89% APR, you would make 84 monthly payments of $329.09. Not every member will qualify for the lowest rate and/or longest term. Rates are subject to change. Some restrictions apply. Interest will countinue to accrue during 90 day deferment period.