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Experience the World as Your Home

Let APCI Federal Credit Union help you finance a new or used Recreational Vehicle (RV)1 or save each month by transferring your existing RV loan to APCI FCU.

Our RV Loan Features:

 

Motorhome, 5th wheel, travel trailer, pop-up/folding trailer, teardrop trailer, hybrid trailer, toy hauler.  Truck campers, cargo & utility trailers are not permitted.

2 APCI FCU will not finance vehicles outside the 50 United States.

Your purchase of MEMBERS CHOICETM Guaranteed Asset Protection (GAP), which includes deductible assistance, is optional and will not affect your loan application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid.

4Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the contract for a full explanation of the terms. You will receive the contract before you are required to pay for Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.

Rates & Terms

Rates effective December 2, 2024, at 7:30 am ET
Rates are subject to change.

Vehicles
TermRateAPR*Pymt Based on $1,000 Borrowed on Rate
New Auto
3 years 5.24% 5.24% $30.08
4 years 5.49% 5.49% $23.26
5 years 5.74% 5.74% $19.22
6 years 5.99% 5.99% $16.58
7 years 5.99% 5.99% $14.61
Used Auto**
2016-2025 model years
3 years (2016-2025) 5.24% 5.24% $30.08
4 years (2016-2025) 5.49% 5.49% $23.26
5 years (2018-2025) 5.74% 5.74% $19.22
6 years (2020-2025) 5.99% 5.99% $16.58
7 years (2022-2025) 5.99% 5.99% $14.61
Older Auto**
2004-2015 model years
Up to 5 years 8.49% 8.49% $24.65
New & Used Motorcycles**
2016-2025 model years - street legal 300cc minimum size motorcycles only
Up to 6 years 7.24% 7.24% $17.17
New Recreational Vehicle (RV)
 
5 years 7.49% 7.49% $20.04
10 years 7.74% 7.74% $12.00
15 years 7.99% 7.99% $9.56
Used Recreational Vehicle (RV)**
 
5 years (2016-2024) 7.49% 7.49% $20.04
10 years (2018-2024) 7.74% 7.74% $12.00
15 years (2018-2024) 7.99% 7.99% $9.56
* APR = Annual Percentage Rate.
** Term based on age of vehicle.

Loan - Vehicle FAQs

Next Steps

A government-issued photo ID is required from all borrowers, co-borrowers, co-signers, and owners of collateral. Proof of income may be required. We offer vehicle loan protection for what your auto insurance may not cover: Learn about Guaranteed Asset Protection (GAP) Plus with Deductible Assistance1.

Apply Online

  • APCI eBanking users: log in to APCI eBanking > Apply for a Loan > Apply for a Recreational Vehicle Loan
  • Non APCI eBanking users: Apply for a Recreational Vehicle Loan

 

1Your purchase of MEMBERS CHOICETM Guaranteed Asset Protection (GAP), which includes deductible assistance, is optional and will not affect your loan application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid.


Guaranteed Asset Protection (GAP) Plus with Deductible Assistance

Watch this video to learn more about the vehicle loan protection.