Cars, motorcycles, boats and more!
Beacon FCU offers a variety of low-interest loans that can help you finance a great vehicle—whether you seek a new or used car for daily use, an ATV for off-road adventures, or a boat for summertime fun.
All of our loan options offer affordable rates and flexible repayment terms.
- Auto Loans
- My First Auto
- Classic Cars
- RV Loans
- Motorcycle/Dirt Bikes/ATVs
- Boats
Why finance your vehicle loan with Beacon FCU?
- Rates as low at 4.99% APR*
- $250.00 cash back on every auto loan**
- *** Option of 90 days until your first payment
- Affordable monthly payments
- Allowed two Skip-A-Pays per calendar year
- Flexible financing terms
- 100% financing for qualified borrowers
- Beacon Insurance
- GAP Insurance
- Extended warranty
- Mechanical Repair Coverage
- Credit Disability and Credit Life Insurance
Let us help you acquire the vehicle you desire. Check out your loan options and apply today.
Auto Loans
Members enjoy highly competitive rates.
Beacon FCU offers qualified buyers low-interest rates and 100% financing on new and used cars, trucks, SUVs and vans. Our affordable, flexible loan terms will help you manage monthly payments.
- Financing for new and used cars, trucks, SUVs and vans
- Competitive low-interest rates
- 100% financing for qualified borrowers
- No payments for 90 days
- Flexible financing terms
- Easy online loan application
- Speedy loan approvals and pre-approvals
- Affordable auto loan protection plans
- Allowed two Skip-A-Pays per calendar year
My First Auto
We'll put you in the driver's seat.
Beacon FCU is looking out for you by offering affordable, low-interest loans for new and used vehicles. This loan is ideal for new drivers, with no co-signer or down payment required.
- Members ages 18 to 25 are eligible.
- Finance anywhere from $500.00 to $25,000.00
- Repayment terms up to 65 months.
- No co-signer or down payment required
- Same low loan rates as other buyers
- No payments required for 45 days***
- Borrowers must have acceptable credit and full auto insurance
- Six months at current employer required, along with Direct Deposit
Classic Cars
Make your dream vehicle a reality.
An affordable Classic Car loan with Beacon FCU can help you acquire that vintage ride you’ve been dreaming about for years.
- Financing up to 84 months
- To qualify, the vehicle must be at least 20 years old
- A vehicle appraisal is required
RV Loans
Fast financing, flexible payments.
Whether you enjoy traveling to faraway places in a comfortable camper, or if you prefer a day on the lake with a jet ski, Beacon FCU offers flexible, low-interest financing for your recreational vehicle purchase.
- Financing for new and used motorhomes, campers, jet skis and more
- Competitive rates and 100% financing for qualified borrowers
- Flexible financing terms give you years to repay your loan
- Easy online loan application
- Speedy loan approvals and pre-approvals
- RV loan protection plans
- Allowed two Skip-A-Pays per calendar year
Motorcycles/Dirt Bikes/ATVs
Adventures begin on the open road.
Hit the highway or the winding trail with an affordable motorcycle, dirt bike or ATV loan from Beacon FCU. Our flexible financing will help kick start your summer fun.
- Terms up to 84 months
- 100% financing for qualified buyers
- No early payoff penalties
- Convenient ways to manage and pay your loan
- Refinancing available
- Affordable protection plans
- Allowed two Skip-A-Pays per calendar year
Boats
Long-term, low-cost financing.
Beacon FCU is looking out for boaters by offering low-interest loans to members who answer to the call of open waters.
- Financing up to 144 months
- Financing available for used boats and watercraft up to 10 years old
- An appraisal may be required for older boats and watercraft
- Easy online loan application
- Allowed two Skip-A-Pays per calendar year
Apply Now View Rates Calculate Your Loan
*APR = Annual Percentage Rate. Beacon Federal Credit Union is an Equal Opportunity Lender. Membership is required. The rate and amount of the loan are based on the applicant's creditworthiness; some restrictions may apply and are subject to Beacon FCU's underwriting guidelines. Rates can vary without previous notice. Collateralized loans with an original term greater than 84 months are not eligible for a skip-a-pay. No in-house refinance.
**Cashback promotion excludes auto loans currently financed at Beacon Federal Credit Union. Vehicles previously financed with Beacon FCU are also ineligible to receive Cashback if financed with the same owner/household. Indirect loans pre-approved and funded at a BFCU branch will also be eligible for the Cashback program. Indirect loans not pre-approved through BFCU are not eligible for the Cashback program. Beacon FCU will deposit Cashback incentive per auto loan into member’s primary savings within five business days after closing the loan. Beacon FCU will issue, if applicable, 1099 forms the following January. This offer cannot be combined with any other offer, and Beacon FCU reserves the right to discontinue promotions without notice at any time for any reason.
***However, interest will accrue during the 90-day no-pay period.
*** My First Auto Loan interest will accrue during the 45-day no-pay period.
Youth Spending Accounts
- No monthly fees
- Your own ATM/Debit Card
- Online and mobile banking
- Scholarship opportunities
- Ages 10-18
Scholarships
You’ve got class. We’ve got cash! Apply today: One of three $2,000 scholarships or One of three $1,000 scholarships!