Boat Loans: Low Rates & Payment Friendly Terms

Boat loans with terms up to 120 months2

Buffalo Metropolitan Federal Credit Union will finance 100% (including taxes, titles & warranties) on all boats and recreational vehicles that are current year models. 

Already financed your boat? How much could you save by refinancing at a lower rate? Refinance your existing boat loan with Buffalo Metropolitan FCU to lower your payment and/or pay off your loan sooner.

1Rate as low as-based on your creditworthiness and other factors. APR=Annual Percentage Rate • Buffalo Metropolitan FCU uses the credit score provided by Experian. Rates based on models 2017 & newer; other rates and terms available for used boats. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. 2As low as 120 monthly payments of $9.20 per $1,000 borrowed at 1.99%APR.

View Current Credit Union Loan Rates


Why Choose Buffalo Metropolitan FCU?
Bottom line, credit unions are the best choice for banking:

  • Credit unions keep money local
  • Credit unions are here for you, not profit
  • Buffalo Metropolitan offers a wide range of banking products and services without the high price tag
  • Buffalo Metropolitan offers some of the best loan rates available in the market and higher savings rates

Learn more about banking at a Credit Union


Steps To Apply For A Boat Loan With Buffalo Metropolitan FCU.

  1. First, you must open a savings account in order to have any other product or service (e.g. loan) at Buffalo Metropolitan Federal Credit Union. It's a small extra step in your usual borrowing experience, but has huge payoffs; see bullets above! Plus, opening an account is easy! Bring $25.00 (your opening account deposit) and two forms of ID; learn more about the account opening process.
  1. Apply for you recreational loan online after your account is open and credit union membership is established.



About Buffalo Metropolitan Federal Credit Union.
Buffalo Metropolitan Federal Credit Union is a not-for-profit financial institution that exists solely for our members. We were founded in 1937 and today serve over 16,000 members. People do not only come to us because we offer competitive products and services, but because of how much we care about the well-being of our members.

“We’ve been banking with Buffalo Metropolitan since 1989 and they are our only financial institution. We have accounts for everyone in the family and do all our banking online. They have been there for us when we really needed them.” Brian M. – Credit Union Member for 28 years


Buffalo Metropolitan Federal Credit Union
Banking at its Best

62 S. Elmwood Ave., Buffalo, NY 14202 • 716.847.6960 • Find us on facebook


Monday-Wednesday 8:30 a.m. - 4:30 p.m.
Thursday & Friday 8:30 a.m. - 5:30 p.m.
Saturday 9:00 a.m. - 1:00 p.m.