The UL Federal Credit Union is a auto loan from UL Federal Credit Union. The ongoing APR is New Recreational as low as 4.99% (up to 36 months), 5.49% (48), 5.59% (60), 5.99% (72), 6.99% (84); rates effective as of October 1, 2026. Loan terms: Boats: new up to 144 months, used up to 84 months; Motorcycles: new up to 60 months, used up to 48 months; RV/Travel Trailer: new up to 144 months, used up to 96 months.