Powersport Loans for ATVs, UTVs, and Personal Watercraft

Ready for more off-road, on-water, or weekend fun? Tidemark offers dedicated powersport loan options for eligible ATVs, UTVs, and personal watercraft so you can focus on the ride, not the financing confusion.
Apply for a Powersport Loan
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Product Details

Best for:
motorcycles and trikes up to 10 model years old, plus eligible ATVs, UTVs, and personal watercraft up to 4 model years old.

Key features:
flexible terms; personal watercraft requires a trailer to be financed as part of the package.

Explore Fixed-Rate Options

Why Borrow with Tidemark?

Financing for ATVs, UTVs, and personal watercraft
Keep the page focused on these three powersport categories only.
Local support for fast-moving purchases
Get guidance before heading to the dealer or finalizing your unit selection.
Clear rate and application guidance
View current rates, understand key requirements, and start the application online.

ATV Loans

Whether you are shopping for a new ATV or upgrading your current ride, Tidemark can help you review financing options for eligible all-terrain vehicles.

  • Helpful for eligible ATV purchases.
  • Support before or during the buying process.
  • Local lending guidance when you need it.
Apply for an ATV Loan
View Current Loan Rates

UTV Loans

Utility task vehicles can be used for recreation, property work, and weekend adventures. Tidemark offers powersport financing options for eligible UTV purchases so members can compare payment options before making a decision.

  • Financing support for eligible UTVs.
  • Helpful for members comparing models, terms, and total costs.
  • Simple application path with support available.
Apply for a UTV Loan
View Current Loan Rates

Personal Watercraft Loans

From summer days on the water to weekend fun, personal watercraft financing can help make the purchase more manageable. Based on the current disclosure library, personal watercraft requires a trailer to be financed as part of the package.

  • Financing for eligible personal watercraft.
  • Trailer required as part of the financing package based on current disclosure language.
  • Helpful support for members shopping through a dealer.
Apply for a Powersport Loan
View Current Loan Rates

Adventure Loans

Rates Effective Starting: 07/01/26

Product APR as low as i APR (Annual Percentage Rate)
All loans are subject to credit approval and are granted based on individual creditworthiness, the ability to repay and credit score. Rates shown may not apply to every borrower.
RVs(C) 6.14%(15)
Boats(C) 6.64%(15)
Motorcycle(D) 5.89%(15)
Powersport(F) 6.64%(15)
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What Our Members Are Saying

Real experiences from people who trusted Tidemark with one of life’s biggest decisions.

What to Know Before You Apply

Check current loan rates and confirm eligible model year requirements.
Know the total purchase amount, including unit, trailer when required, taxes, and fees.
Gather seller or dealer information before finalizing the loan.
Apply early so you have a better sense of your financing options before you buy.

Optional Protection Products & Helpful Resources

Protect your purchase and shop with more confidence. Tidemark offers optional products and helpful tools that can support you before, during, and after the vehicle buying process.
Guaranteed Asset Protection (GAP)
If your vehicle is totaled or stolen, GAP may help cover the difference between what your insurance pays and what you still owe on your loan.
Call Today
Debt Protection
Debt Protection may help protect your loan balance in the event of certain unexpected life events, depending on the coverage selected.
Enroll Today
Mechanical Repair Coverage
Mechanical Repair Coverage can help with the cost of eligible repairs after the manufacturer's warranty ends. Coverage is available only for eligible auto loans and is subject to vehicle age, model year, and other qualification requirements.
Breakdown Instructions
Insurance Services
Explore coverage options that can help protect your vehicle before you drive away.
Compare and Shop All Online
CARFAX® Vehicle History Reports
Review a vehicle’s history before you buy so you can make a more informed decision.
Vehicle History Report

Let’s Take the Next Step Together

Your next ride starts with a loan option that is easy to understand. Apply online or connect with Tidemark to talk through your powersport financing options.
Apply for a Powersport Loan
View Current Loan Rates

Powersport Loan FAQs

Loan Rates Disclosures

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1Rates displayed are "as low as" for Primary residence purchase loans. Displayed rates include discount points. Rates are subject to change. Rates vary based on creditworthiness, loan-to-value (LTV), occupancy, property type and loan purpose, and/or other factors. Down payment and loan-to-value (LTV) requirements may vary depending on the occupancy, property type, loan purpose, your creditworthiness, and/or other factors. All loans subject to credit approval.

2A fixed-rate loan of $256,000 for 30 years at 6.500% interest and 6.568% APR will have a monthly payment of $1,618.09. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. Discount points are included. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

A fixed-rate loan of $256,000 for 20 years at 6.250% interest and 6.339% APR will have a monthly payment of $1,871.18. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. Discount points are included. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

A fixed-rate loan of $256,000 for 15 years at 5.750% interest and 5.859% APR will have a monthly payment of $2,125.85. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. Discount points are included. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

3Adjustable Rate Mortgages (ARM) are variable, and your Annual Percentage Rate (APR) may increase after the original fixed-rate period. The First Adjustment is based on the one-year Constant Maturity Treasury (CMT) index, plus a margin, rounded to the nearest 1/8 percent. The annual rate cap is 2%; lifetime cap 6%. Properties limited to the Delmarva Peninsula. All loans subject to credit approval.
4Loan amounts above $600,000 may require PMI.

5A 5/1 Adjustable Rate Mortgage (ARM) $320,000 for 30 years at 6.000% interest and 6.053% APR will have a monthly payment of $1,918.56. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

A 7/1 Adjustable Rate Mortgage (ARM) $320,000 for 30 years at 6.250% interest and 6.303% APR will have a monthly payment of $1,970.30. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

A 10/1 Adjustable Rate Mortgage (ARM) $320,000 for 30 years at 6.500% interest and 6.554% APR will have a monthly payment of $2,022.62. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

6A 10/1 Adjustable Rate Mortgage (ARM) $320,000 for 30 years at 7.000% interest and 7.094% APR will have a monthly payment of $2,128.97. Payments are interest only during construction based on amount advanced. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $2,998 loan origination, processing, and construction admin fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

A fixed-rate loan of $320,000 for 30 years at 7.000% interest and 7.094% APR will have a monthly payment of $2,128.97. Payments are interest only during construction based on amount advanced. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $2,998 loan origination, processing, and construction admin fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

7Rates displayed are "as low as" for purchase loans. Rates are subject to change. Rates vary based on creditworthiness, loan-to-value (LTV), and/or other factors. Contact us for terms for refinances. All loans subject to credit approval.
8Adjustable Rate Mortgages are variable, and your Annual Percentage Rate (APR) may increase after the original fixed-rate period. The First Adjustment is based on the one-year Constant Maturity Treasury (CMT) index, plus a margin, rounded to the nearest 1/8 percent. The annual rate cap is 2%; lifetime cap 6%. Minimum loan amount $50,000. Maximum Loan amount $600,000, 80% Loan to Value. All loans subject to credit approval.
9A 10/1 Adjustable Rate Mortgage (ARM) $320,000 for 20 years at 6.625% interest and 6.697% APR will have a monthly payment of $2,409.44. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of unimproved land, 780 FICO, down payment of 20% up to the conforming loan amount limit.
10 Rates displayed are "as low as" for primary residence only. Rates are subject to change. Rates vary based on creditworthiness, loan-to-value (LTV), and/or other factors. All loans subject to credit approval.
11 Net appraised value is appraised value less 1st lien balance. Limited to Loans in the Delmarva Peninsula. If TFCU is not first lien holder, the loan amount is limited to 80% LTV. Minimum loan amount $25,000. Maximum $400,000. Other terms available if TFCU is first lien holder. Primary residence only. Additional limitations may apply.
12 Rate changes monthly based on Prime Rate as published in the Wall Street Journal plus a margin. Interest only payments are made during the 10-year draw period then the remaining balance is amortized over 15 years.
13  

14 Home Equity Line of Credit (HELOC) with interest only payments at 6.750%, Prime interest and 6.798% APR would require a minimum monthly payment of $5.63 per $1,000.00 borrowed during the draw period. Taxes and insurance not included. Includes a $299 loan processing fee. All loans subject to credit approval. Loan assumptions: Advertised rate assumes cash-out on a single-family primary residence, 780 FICO, minimum 20% equity up to the conforming loan amount limit.

A fixed-rate loan of $100,000 for 20 years at 7.125% interest and 7.164% APR will have a monthly payment of $782.82. Taxes and insurance not included. Includes a $299 loan processing fee. All loans subject to credit approval. Loan assumptions: Advertised rate assumes cash-out on a single-family primary residence, 780 FICO, minimum 20% equity up to the conforming loan amount limit.

15 Rates may vary based on term, down payment, credit worthiness and age of unit.
16 Rates are 3% above share/certificate dividend rate; adjusted with the dividend rate. For share secured loan funds must be held in the Prime Share. Retirement certificates are not eligible to be pledged.
17 Variable rate adjusted quarterly based on Prime.
18 Variable rate adjusted monthly based on Prime.
19 Rates based on the Prime Rate of 07/01/2026 (Visa®)
20 Rates based on the Prime Rate of 06/17/2026 (Line of Credit)
ANew Vehicles are defined as the two (2) most recent model years that have not been previously titled and include automobiles, trucks, and vans. Rates, terms, and financing are subject to credit approval and may vary based on creditworthiness, loan term, loan-to-value ratio, down payment, and other underwriting factors. Not all applicants will qualify for the lowest available rate. Additional restrictions and conditions may apply.
BUsed Vehicles are defined as automobiles, trucks, and vans that have been previously titled and are up to fifteen (15) model years old. Rates, terms, and financing are subject to credit approval and may vary based on creditworthiness, loan term, loan-to-value ratio, down payment, vehicle age, and other underwriting factors. Not all applicants will qualify for the lowest available rate. Additional restrictions and conditions may apply.
CRecreational Vehicles (RVs) and Boats are eligible for financing if they are within the most recent ten (10) model years. Boat financing must include the boat hull and all associated motor(s). A trailer may be included as part of the financing package when applicable. Rates, terms, and financing are subject to credit approval and may vary based on creditworthiness, loan term, loan-to-value ratio, down payment, collateral type, age of collateral, and other underwriting factors. Not all applicants will qualify for the lowest available rate. Additional restrictions and conditions may apply.
DMotorcycles are eligible for financing if they are within the most recent ten (10) model years and include motorcycles, sport bikes, cruisers, touring motorcycles, trikes, and similar street-legal powersport vehicles. Rates, terms, and financing are subject to credit approval and may vary based on creditworthiness, loan term, loan-to-value ratio, down payment, collateral type, age of collateral, and other underwriting factors. Not all applicants will qualify for the lowest available rate. Additional restrictions and conditions may apply.
EClassic Automobiles are eligible for financing if they are at least twenty-five (25) years old and meet the current J.D. Power definition of a classic vehicle. The vehicle must remain substantially consistent with its original factory design and configuration and may not be undergoing restoration at the time of application. Borrowers are required to provide current photographs of the vehicle for eligibility verification. Rates, terms, and financing are subject to credit approval and may vary based on creditworthiness, loan term, loan-to-value ratio, down payment, vehicle condition, and other underwriting factors. Not all applicants will qualify for the lowest available rate. Additional restrictions and conditions may apply.
FPowersport vehicles are eligible for financing if they are within the most recent four (4) model years and include All-Terrain Vehicles (ATVs), Utility Task Vehicles (UTVs), and Personal Watercraft (PWCs). Personal Watercraft financing must include a trailer as part of the collateral package. Rates, terms, and financing are subject to credit approval and may vary based on creditworthiness, loan term, loan-to-value ratio, down payment, collateral type, age of collateral, and other underwriting factors. Not all applicants will qualify for the lowest available rate. Additional restrictions and conditions may apply.
Rates are subject to change without notice and are accurate as of the date listed above. Additional rates and terms may apply. Members may contact any Credit Union staff member for details on applicable fees and terms. The rates shown apply only to new money and new loans with Tidemark Federal Credit Union. Existing Tidemark loans may not qualify for the advertised rates if refinanced internally. Rate eligibility is determined by multiple factors, including loan type, creditworthiness, and the terms of the current loan agreement.