Recreational Loans

If it rolls or floats, we can finance it.

  • Motorcycles
  • Snowmobiles
  • ATVs
  • Personal Watercraft
  • RVs
  • Boats
  • Horse Trailers

Apply now or contact us anytime.

Motorcycle Loan Rates

 Platinum APR*Gold APR*Silver APR*Bronze APR*Nickel APR*Copper APR*
Score730+729-680679-640639-600599-550549 and below
NEW & USED
24 Months2.90%3.40%5.90%9.50%13.50%18.00%
36 Months2.90%3.40%5.90%9.50%13.50%18.00%
48 Months2.90%3.40%5.90%9.50%13.50%18.00%
60 Months3.15%3.65%6.00%9.00%13.00%18.00%
72 Months 3.39%3.89%6.00%9.00%13.00%N/A
84 Months $20,000**3.90%4.40%6.25%9.25%13.25%N/A

ATV, Snowmobile & Personal Watercraft Loan Rates

 Platinum APR*Gold APR*Silver APR*Bronze APR*Nickel APR*Copper APR*
Score730+729-680679-640639-600599-550549 and below
NEW
48 Months2.90%3.40%5.49%8.49%11.49%18.00%
60 Months $7,000**3.14%3.64%5.69%8.69%11.69%18.00%
USED 1 TO 5 YEARS
48 Months 3.14%3.64%5.49%8.49%11.49%18.00%
60 Months $7,000**3.14%3.64%6.49%9.49%12.49%18.00%

RV, Camper, Trailer & Boat Loan Rates

Motor Homes, Campers, Travel Trailers, 5th Wheels, Boats & Horse Trailers
 Platinum APR*Gold APR*Silver APR*Bronze APR*Nickel APR*Copper APR*
Score730+729-680679-640639-600599-550549 and below
NEW & USED
36 Months5.20%5.70%6.75%8.75%13.50%18.00%
60 Months4.65%5.15%6.25%8.75%13.50%18.00%
84 Months4.70%5.20%6.25%8.75%13.50%18.00%
96 Months $10,000**5.14%5.64%6.25%8.75%13.50%18.00%
120 Months $15,000**5.20%5.70%6.50%9.00%14.00%N/A
144 Months $25,000**5.95%6.45%7.60%10.60%14.60%N/A

*Rates effective as of March 1, 2018. Annual Percentage Rate (APR) may change without notice. Your rate can vary based on creditworthiness, age and type of vehicle and terms of the loan.

**Some terms subject to a minimum amount financed.

Loan payment example: At 4.5% the annual percentage rate (APR) for a 60 month term with 0% down and 30 days to 1st payment, monthly payments are calculated at $18.66 per $1,000 borrowed.

Not all borrowers qualify for lowest APR or 0% down. To find out if you qualify, please call Sentinel Federal Credit Union at 605-923-1405 or ask your Black Hills area auto dealers.