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Highmark Federal Credit Union

Recreational Vehicle/Toy Loans

Motorcycle/RV/Toy Loans Features And Benefits

Make your money work for you, from competitive APR rates to local member service programs. Invest in the best with Highmark FCU!

  • Rates starting at 7.50% APR
  • Up to 100% financing with flexible terms
  • Available on both new and used
  • No fee to apply and helpful customer service
  • Quick, local loan decisions
  • $10,000 loan minimum
  • Convenient Payment Plans

*Not all borrowers will qualify for the lowest APR offered. Not applicable to current Highmark member consumer loans. APR= Annual Percentage Rate.

Guaranteed Asset Protection (GAP) Insurance

Whether it's a camper, boat, motorcycle, or RV - protect against the unexpected like hail, theft, or an accident.

GAP will cover any difference between your loan balance and the insurance payout for theft or total loss.

Did you know?
  • Repair bills have gone up over 20% in the last 12 months
  • Vehicle prices are decreasing at a rate of 15%
  • That leaves you in a potentially upside - down situation, should you experience an accident, hail damage or a theft. 
If you don’t want to find yourself paying for a vehicle that you no longer have, Get GAP. 

GAP insurance is particularly important for those with:

  • The down payment for the vehicle amounts to less than a fifth of its value.
  • If your vehicle finance period is longer than 3 years.
  • If the vehicle you have purchased is an expensive one, since these vehicles lose value more quickly and are more enticing to thieves.

Now Your Highmark Rec Vehicle Loan Comes With A Really Cool Option 

If you have a rec vehicle loan in good standing with Highmark, then you've just been upgraded! 

It qualifies you to open a special 6.05% APY Free Rewards Checking Account. That's right. A checking account that pays you a rate of interest higher than most CDs.

Motorcycle Loans

For many of us, driving is freedom. And if you’re a lover of motorcycles, there is nothing more freeing than taking to the open road. Click below to learn more about motorcycle loans.

Learn about Motorcycle Loans

Applying for your Motorcycle or RV or boat loan is as easy as 1-2-3!



{Apply Online}
{Quick and easy online application.}



{Sign Your Loan}
{Agree to the loan amount, rates, and terms.}



{Get a Check}
{Start shopping for your RV or Toy at the dealer or through a private party.}

Start Your Application

Dig deeper with our  Loan Calculator before you decide

*See Disclosures and Fees

By changing any value in the following form fields, calculated values are immediately provided for displayed output values. Click the view report button to see all of your results.

Financial Calculators from

Financial Calculators ©1998-2021 KJE Computer Solutions, Inc.

Auto Rebate vs. Low Interest Financing
*indicates required.
Rebate payment:
$440 monthly
Low interest payment:
$398 monthly
Low interest financing could save you $169.43 in total payments Column Graph: Please use the calculator's report to see detailed calculation results in tabular form.


Total purchase price (before tax)

This is the total cost of your auto purchase. Include the cost of the vehicle, any additional options and any destination charges. Don't include sales tax in this amount. Sales tax will be calculated for you and included in your total after-tax price.

Term in months

Number of months for your auto loan.

Cash down

Total amount of cash used in this purchase. The larger your cash down payment the smaller the loan you will need to finance this purchase.

Trade allowance

The total amount that you are given for any automobile that you trade-in as part of this purchase. In some states a trade-in can also reduce the amount of sales tax you will owe. See the definition for 'Sales tax deduction for trade-in' for more information on trade-in vehicles and sales tax.

Amount owed on trade

Total loan balance still outstanding on the trade-in.

Sales tax rate

Sales tax percentage rate charged on this purchase.

Traditional financing

The interest rate you may be able to receive from a bank, credit union or other lender. This is usually a higher interest rate than the manufacturer's low interest financing, but is often very competitive when used in combination with a manufacturer rebate. This calculator assumes that if you choose a manufacturer rebate you are not eligible for manufacturer low interest financing.

Low interest financing

The incentive interest rate you may be able to receive from an auto manufacturer. These rates are usually significantly below standard auto loan interest rates. Low interest financing can be as little as 0% per year. Most manufacturers allow you to choose either low interest financing or a manufacturer rebate, but not both. This calculator assumes that if you choose low interest financing you are not eligible for any manufacturer rebate.

Manufacturer rebate

A cash rebate paid by the auto manufacturer to you when you purchase a new vehicle. Most manufacturers allow you to choose either low interest financing or a manufacturer rebate, but not both.

No sales tax deduction for trade-in

If you live in a state where your sales tax is calculated on your full purchase price check this box. If this box is unchecked sales tax is calculated on the purchase price less trade-in. Currently California, the District of Columbia, Hawaii and Michigan allow no deductions for trade-ins when calculating sales tax. In addition, Alaska, Delaware, Montana, New Hampshire, and Oregon have no sales tax on autos.

Calculate sales tax before rebate

Some states will calculate sales tax on your purchase price before a manufacturer's rebate is applied. If your state calculates sales tax on the vehicle price before the rebate is applied, check this box.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

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