Leverage our incredible benefits when buying your next boat.
Rate Stability
Lock in your rate for the duration of the loan with a fixed rate, and enjoy flexible terms up to 15 years.1
New and Used Boats
Financing solutions for boats, both new and used, up to 10 years old.
Financing the Accessories Included
Financing that covers the motor, trailer, and accessories to get you on the water now!
Save Money with Less Fees
Say goodbye to application fees and prepayment penalties.
If you dream of the open water and want your own boat, Truliant can make that dream a reality. We finance new and used boats up to 10 years old, trailer, motor and accessories included.
Go out and play with a convenient loan that saves you money. Save time and money with a boat loan while spending more time doing what enriches your life. With flexible terms and new and used boat options available for bass boats, sailboats, trawlers, multi-hulled and more. For a new boat, get a loan up to 85% of the invoice price, plus tax and titles, and up to 100% for a used boat.
Whether you’re in the market for a new boat, a used one, or you want refinance an existing boat loan, we're here to help. With flexible terms and fast approvals, you’ll be on the water in no time.
Disclosures
Boat loans include motor, trailer & accessories. All loans are subject to credit approval.
(a) The estimated monthly payment on a $30,000, 60-month loan at 10.49% APR is $645.
(b) Annual Percentage Rate (APR) may change before consummation of the loan. Loan rates are based on credit history, profile, and loan terms.
Choose the right boat for your needs. Whether you're wanting something to enjoy with others or just looking for a fishing boat, there are numerous boats that can fit your needs.
Determine if you'd like a new or used model. Would you rather have a new model with the latest bells and whistles, or are you looking for an older, reliable model?
Ensure your boat is certified. This ensures that your boat is up to safety and construction standards.
Negotiate your price. Just like when purchasing a car or RV, negotiating your price can save you thousands on your new boat.
Save for your down payment, taxes, title and registration fees. At Truliant, we'll help you by lending 85% of the invoice price, plus taxes and tags, on a new boat.
What should I expect when applying for a boat loan?
Apply at one of our branches, over the phone, or online using our quick, convenient digital application, available virtually anywhere.
Once you apply, we will help to walk you through the rest of the process so if you ever have a question, we're here for you. If you applied online, you can expect the same personalized attention from one of our team members.
We will reach out to you to discuss your loan amount, terms and payment information.
Your funds are ready whenever you are, so you can hit the water quick.
I'm very impressed with Truliant, everyone is friendly and answers all my questions. The loan process was quick and smooth. I'm ready to go fishing.
I have banked with them for 5 years. Great boat loan financing and very friendly staff. Fantastic Credit Union.
The loan officer that helped me is great! Even though I ended up needing a different type of loan, she connected me with someone to help me. I recommend Truliant to all my friends.
Our loan officer went above and beyond to get our approval paperwork finished. Thanks so much!
Professional and super friendly, Truliant treats me like family. They are patient and explained banking procedures in a manner that I understood.
Loans are subject to credit approval. Boat loans include motor, trailer and accessories.
(1) The estimated monthly payment on a $30,000, 60-month term Boat loan at 10.49% APR is $645.
Jet skies do not qualify for this loan.
Receive one free overdraft per calendar year by contacting us or visiting a branch. Normal fee of $28 per overdraft applies for all other overdrafts.
Access to more than 80,000 surcharge-free ATMs. A surcharge-free ATM is one you can use without paying an extra fee charged by the ATM owner. Truliant partners with a nationwide network of ATMs that let you withdraw cash, check balances, and more—without those added fees.
Even if the ATM isn’t Truliant-branded, it can still be surcharge-free if it’s part of our network.
Use the ATM locator to find the most convenient locations near you.
We are proud to offer fewer fees at a lower cost compared to many other financial institutions. Below are our current fees for SafeSpend Banking:
General Charges
Fee Type
Fee Amount
Monthly maintenance
$5.00
Waived with any of the following:
1) Monthly Total Deposits ≥ $250, or
2) 23 or younger
Official check, payable to third party
$5.00/check
Wire transfer (incoming)
$10.00 (Domestic / International)
Wire transfer (outgoing)
$25.00 (Domestic) $35.00 (International)
For a comprehensive listing of account-related fees, special service fees, and additional details, log in to online or mobile banking to view our Deposit Account Agreement or Business Deposit Account Agreement.
Enjoy a full suite of everyday benefits designed to protect your wallet, your time, and your peace of mind — all part of this powerful package.
Unexpected perks — A $90 per month value if purchased separately:
Lifestyle Protection and Savings
Cell phone protection coverage
24/7 roadside assistance
Buyer protection and extended warranties
Telehealth for your family
Save on healthcare (prescription, vision and dental discounts)
Travel and leisure discounts
Shopping perks (receive cash back or use for purchases)
Or call the Benefits Service Center at 866-298-3686, Mon – Fri, 8:30 a.m. – 5:00 p.m. ET for assistance with registration and activation.
Money Access and Everyday Banking Perks:
Free standard Truliant checks
Free official checks
Free incoming wire transfers
One-time overdraft fee waiver (per calendar year)
Early Pay — Get your paycheck up to 2 days early
Surcharge-free ATMs — Access to 80,000 ATMs worldwide that waive their fees for our members
Free ATM withdrawals, even outside Truliant
Our Balance Backup coverage offers members emergency overdraft protection, allowing important items to clear and helping you avoid returned payment fees from payees.
Truliant will strive to pay the following types of transactions when you do not have funds available.
Checks and other transactions made using your checking account number
Automatic recurring drafts made using your debit card number
We also offer Balance Backup+ for the following types of transactions when insufficient funds exist in your account:
We are proud to offer fewer fees at a lower cost compared to many other financial institutions. Below are our current fees for Reserve Plus Banking:
General Charges
Fee Type
Fee Amount
Monthly maintenance
$25.00
Waived with any of the following:
1) Average Monthly Deposit Relationship ≥ $25,000, or
2) Average Monthly Truliant Financial Advisors Investment ≥ $50,000
Order checks
Standard Truliant Checks are free
Wire transfer (outgoing)
$25.00 Domestic, $35.00 International (incoming wires are free)
Overdraft Charges
Fee Type
Fee Amount
Balance Backup* and Balance Backup+** overdraft protection
$28.00/transaction (limit of six service charges per day) - 1 fee waiver per calendar year
Deposit account overdraft protection transfer service charge
$3.00 (limit once daily)
Line of credit overdraft protection transfer service charge
$3.00 (limit once daily)
*Balance Backup service charge occurs anytime we cover overdrafts caused by check, recurring transaction, or other transaction made using checking account or debit card number.
**Balance Backup+ service charge occurs anytime we cover overdrafts caused by debit card or ATM transactions.
For a comprehensive listing of account-related fees, special service fees, and additional details, log in to online or mobile banking to view our Deposit Account Agreement or Business Deposit Account Agreement.
We are proud to offer fewer fees at a lower cost compared to many other financial institutions. Below are our current fees for Essentials Plus Banking:
General Charges
Fee Type
Fee Amount
Monthly maintenance
$7.50
Waived with any of the following:
1) Monthly Direct Deposit ≥ $500, or
2) Average Monthly Checking Balance ≥ $1,500, or
3) Average Monthly Deposit Relationship ≥ $5,000
Order checks
Standard Truliant Checks = $10.00
Official check, payable to third party
$5.00/check
Wire transfer (incoming)
$10.00 Domestic or International
Wire transfer (outgoing)
$25.00 Domestic, $35.00 International
Overdraft Charges
Fee Type
Fee Amount
Balance Backup* and Balance Backup+** overdraft protection
$28.00/transaction (limit of six service charges per day) - 1 fee waiver per calendar year
Deposit account overdraft protection transfer service charge
$3.00 (limit once daily)
Line of credit overdraft protection transfer service charge
$3.00 (limit once daily)
*Balance Backup service charge occurs anytime we cover overdrafts caused by check, recurring transaction, or other transaction made using checking account or debit card number.
**Balance Backup+ service charge occurs anytime we cover overdrafts caused by debit card or ATM transactions.
For a comprehensive listing of account-related fees, special service fees, and additional details, log in to online or mobile banking to view our Deposit Account Agreement or Business Deposit Account Agreement.
Truliant's Early Pay program lets you access your money up to two days before your payday on Automated Clearing House (ACH) direct deposits. You don't need to sign up or opt-in: Early Pay is a free and automatic service we provide to our members. See more details here.
Acceptable forms of identification:
Driver’s license (state or U.S. territory issued)
Driver’s license learner permit (state or U.S. territory issued)
Or call the Benefits Service Center at 866-298-3686, Mon – Fri, 8:30 a.m. – 5:00 p.m. ET for assistance with registration and activation.
Money Access and Everyday Banking Perks:
One-time overdraft fee waiver (per calendar year)
Early Pay — Get your paycheck up to 2 days early
Low-cost standard Truliant checks — Only $10 per order
Surcharge-free ATMs — Access to 80,000 ATMs worldwide that waive their fees for our members
Free ATM withdrawals, even outside Truliant
Non-Sufficient Funds occur when there isn’t enough money in your account to complete a payment. If this happens, we’ll simply reject the payment — and we won’t charge you a fee.
