We’re experiencing higher-than-normal call volumes, and we appreciate your patience as we work to answer your calls as quickly as possible.

Download the New Wellby App & Enroll in Digital Banking

Be sure you have your existing member information ready to avoid enrollment issues, including your social security number, member number, and the email address and phone number associated with your JSC FCU account. Don’t attempt to enroll more than four times to avoid being locked out.

Boat and Watercraft Loans

Set sail toward your financial dreams with our competitive rates.

Boat Loans That Won't Break Your Budget

Whether you’re after a catamaran or a speedboat, we’ll help you determine which loan option best fits your budget and monthly payment goals.  

Flexible Terms

Own your boat on your terms. Choose from a variety of term lengths that work best for your goals

Send Payments While on Deck

Manage your payments online, from wherever your adventures take you. 

Competitive Rates

As a member-focused not-for-profit organization, we return our profits to our members through lower loan interest rates. 

Account Type

Boat & Watercraft Loan

TermAnnual Percentage Rate (APR)Term Model YearsLoan Amount

Up to 24 months

as low as 2.84%


Up to 36 months

as low as 3.80%


Up to 48 months

as low as 4.05%


Minimum $4,000

Up to 63 months

as low as 4.30%


Minimum $7,500

Up to 75 months

as low as 4.55%


Minimum $10,000

Up to 84 months

as low as 5.75%


Minimum $10,000

Up to 108 months

as low as 6.25%


Minimum $10,000

Up to 132 months

as low as 6.70%


Minimum $10,000

Up to 156 months

as low as 6.95%


Minimum $20,000

Up to 180 months

as low as 7.20%


Minimum $20,000

Apply for Your Boat Loan

It’s smooth sailing from here. Apply for your boat or watercraft loan today with our quick and easy online application. 

Boat & Watercraft Loan FAQs

Learn more about your Wellby boat & watercraft loan options.

Learn More

Common Questions

How many years can I finance a boat loan?
Can I apply for a loan if I haven’t found a boat yet?
How do I know if my loan is approved?