Recreational Loans

Hit the open road (or water) and start making memories today.

Make your dream of owning an RV, ATV, motorcycle, or boat a reality with a Recreational Loan. What are you waiting for? Get pre-approved, and you’ll be headed outdoors in no time.

Product Features
Low Rates

As a nonprofit cooperative, we keep our loan rates low by returning profits to our members in the form of better rates.

No Application Fees

Ever.

Convenient Payment Options

Conveniently pay off your loan through Online or Mobile Banking, automatic payments, or your local branch.

Pay Back On Your Terms

Pay at a pace that is right for you with some Recreation Loan terms up to 144 months.

Apply Conveniently

Apply for an Recreation Loan in the way you find most convenient: online, in a branch, telephone, or complete it all on-site at a participating dealership.

Borrow at 100%

Borrow up to 100% of the recreational vehicle's cost. This gives you access to the experiences you truly want.

Cross-Sell Products
Accident Prevention
Credit Life & Credit Disability Insurance

In the event of an emergency, safeguard your family through optional loan payment protection.

Auto Insurance
Auto Insurance

We have partnered with TruStage Insurance to give our members discounted rates on Auto, Home, & Life Insurance.

Whats It Worth
What’s It Worth?

Get pricing and information on new cars, used cars, classic cars, motorcycles, RVs, and manufactured homes from the NADA.

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Recreational Loans

Loans APR Maximum
New/Used Motorcycle & 4 Wheelers NADA Retail More than $10,000 as low as 4.00% 60 Months
New/Used Motorcycle & 4 Wheelers NADA Retail More than $10,000 as low as 4.24% 72 Months
New Motorcycle & 4 Wheeler as low as 3.99% 60 Months
Used Motorcycles & 4 Wheelers as low as 4.49% 60 Months
New Motor Home as low as 4.50% 84 Months
Used Motor Homes as low as 4.50% 84 Months
New 5th Wheel as low as 4.50% 84 Months
New Travel Trailers as low as 4.50% 84 Months
Used Travel Trailers & Used Fifth Wheels as low as 4.50% 72 Months
New Watercraft as low as 3.99% 72 Months
New Watercraft as low as 4.29% 84 Months
New Watercraft as low as 4.99% 120 Months
Used Watercraft as low as 3.99% 60 Months
Used Watercraft as low as 4.99% 72 Months
Used Watercraft - Previous 3 Years & up (Minimum $25,000) as low as 5.99% 120 Months
New Waverunners as low as 4.49% 60 Months
New Waverunners as low as 4.29% 72 Months
Used Waverunners as low as 5.75% 60 Months
Effective 9/21/2020
Calculators
How Much Can You Afford?

Empower yourself to make smart financial decisions. Use our calculators to figure how much you can afford to borrow, how much interest you will pay over the life of a loan and more.

Participating Dealerships
Vehicle and loan on the spot.

When you purchase your new or used recreational vehicle at a participating dealership, you can finance your vehicle through Listerhill and complete your transaction on the spot. All of the paperwork is taken care of at the dealership. You enjoy the same great Listerhill rates and services without an additional trip to your local branch.

Additional Questions?

Listerhill has been consistently been rated in the top tier for overall satisfaction by our members. While we hope you find the information you need online, we'd be happy to talk with you about questions you may have. Call us at (256) 383-9204 or 1-800-239-6033 for friendly, local assistance. Or even stop by one of our branches for personal service.

Solutions Center
Need Help Finding a Solution?

Answer a few questions and we will find a solution that works for you. It only takes a few seconds.

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Home Options
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Common Links

Frequently Asked Questions

  • Maintenance Fee

    New Fee:Details:
    Maintenance Fee We are introducing a new $5/month Maintenance Fee to all members. However, this fee can be waived if you meet just one of the following criteria: 

     • You or someone in your household has had a current loan or mortgage within the last 12 months. 
     • You or someone in your household has an open credit card 
     • You or someone in your household has an aggregate average daily balance of $3,000 in your accounts
     • You or someone in your household has a relationship with our Listerhill Financial Services department 
     • You have paid at least $125 in NSF, Transfer, or Courtesy Pay fees for the month 
     • You are under the age of 25 
     • Your account is less than 90 days old 
     • You have paid a Return Mail Fee or an Inactive Account Fee for the month
  • Jumbo Certificates Early Withdrawal Penalty

    Existing Fee:Changing To:

    Jumbo Certificates Early Withdrawal Penalty

    • Terms of 1 year or less: 30 days interest

    • Terms of over 1 year: 90 days interest

    Monthly Certificate Early Withdrawal Penalty

    • Terms of 1 year or less: 90 days interest

    • Terms of 18 mos-2 yrs: 180 days interest

    • Terms of over 2 years: 210 days interest

  • Regular Certificates Early Withdrawal Penalty

    Existing Fee:Changing To:
    Regular Certificates Early Withdrawal Penalty

     • Terms of 1 year or less: 30 days interest 
      
     • Terms of over 1 year: 90 days interest
    Quarterly Certificate Early Withdrawal Penalty 

     • Terms of 1 year or less: 90 days interest 

     • Terms of 18 mos-2yrs: 180 days interest 

     • Terms of over 2 years: 210 days interest
  • Relationship Fee

    Existing Fee:Changing To:
    Relationship Fee This fee is being eliminated. If you currently pay the $10/month Relationship Fee, you will no longer be charged this fee.
  • 60 or 72 Month Jumbo Certificate

    Existing Account:Changing To:What This Means:
    Jumbo Certificates 
    (60 month and 72 month)
    Monthly Certificate 
    (60 month)
    Certificates will now be offered in six terms instead of ten terms and a reduced minimum opening deposit of $500 is required. However, you will continue to receive the following benefits: 
     • Interest Paid Monthly 
     • Interest Paid by Deposit to Affiliate Account (Early withdrawal penalties have changed. Please see chart below.)