i just received a boat loan from my Credit Union. 2.85% for 66 months or 3.15% for 72 months is what I was offered for a used 2015 Rig. This beats the heck out of 11% from a national bank that i've been with and 5.5% from another Credit Union I'm a member of.

That's a really good rate. I got mine from Bank of the West a few months ago. 4.99% for 72 months with ZERO down. I'm sure they hate me though cause I'll have it paid for in 36 months.

Congrats on getting it paid off early-that is my plan also- I put 35% down but it wouldn't have changed the rate-I asked and it could have been zero down-just don't want a big payment

I got 3.05% at my credit union for 59 months.....local bank wanted 5.75% and only 36 months.... I have excellent credit....didn't need to put any money down but put 30% down to get the payment I wanted! Interest rate was the same with no money down!