Recreational Loan
Finance Your Next Adventure
Whether you’re setting sail on open waters, hitting the back-roads in a camper, or exploring the country in an RV, our recreational loans make it easy to get behind the wheel or wheel the boat. Utica Gas & Electric Federal Credit Union offers transparent rates, flexible terms, and personalized service so you can focus on the fun, not the fine print.
Why Choose UGEFCU for Your Recreational Loan
• Local expertise: Proudly serving New Hartford and the Mohawk Valley for over 80 years
• Member-first philosophy: Competitive, clear rates exclusively for UGEFCU members
• Flexible terms: Up to 180 months on new purchases; up to 120 months on used models
• No prepayment penalties: Pay off your loan early and save on interest
• Rate discounts: Qualify with an active UGEFCU Visa or recurring direct deposit
• Personalized guidance: Dedicated loan officers who know you by name
Loan Options
1. New Recreational Financing
Finance brand-new boats, campers, and RVs with terms up to 180 months.
2. Used Recreational Financing
Purchase pre-owned boats, campers, and RVs (up to 20 years old) with terms up to 120 months.
3. Refinance Your Loan
Lower your rate or shorten your term by refinancing an existing recreational loan.
4. Accessory & Upgrade Loans
Add awnings, electronics, towing packages, marine equipment, solar systems, and more.
Rates & Terms at a Glance
• Loan amounts based on the appraised value of your boat, camper, or RV
• Terms up to 180 months for new purchases; up to 120 months for used models
• Rate discounts available with an active UGEFCU Visa or qualifying direct deposit
• Seasonal specials that can further reduce your rate—ask for details
Simple Application Process
• Apply online in minutes or visit our New Hartford branch
• Submit your ID, proof of income, and purchase invoice or bill of sale
• Receive a decision in as little as one business day
• Close your loan and set off on your next journey
We handle the paperwork so you can spend your time planning the trip.
Frequently Asked Questions
• What credit score is required?
We typically approve scores starting in the mid-600s; stronger profiles access our best rates.
• Can I finance a private-party purchase?
Yes. Bring your bill of sale and title paperwork for boats, campers, or RVs.
• Do I need to be a member?
Yes—membership is open to Utica Gas & Electric employees, their families, and those who live, work, worship, or attend school in our service area. A $5 savings deposit opens your membership.
• Is there a prepayment penalty?
No. You can pay off your loan early without fees.
Ready to Get Rolling or Sailing?
Join thousands of UGEFCU members who trust us to fund their boats, campers, and RV adventures. Click Apply Now or visit our branch at:
215 Old Campion Road
New Hartford, NY 13413
Questions? Call us at 1-800-990-7499 or email ugefcu@ugefcu.com.
Want to enhance your travels even more? Ask about our rewards credit card and discounted insurance partnerships.