Routing #: 291480141
READY FOR THE RIDE?
Whether it’s a motorcycle built for the ride or a trailer ready for the getaway, we’ll help you get rolling with rates designed to keep more fuel in your tank.
APR = Annual Percentage Rate. All loans are subject to credit approval. 2.00% rate reduction to be taken off your approved motorcycle or trailer loan rate, not to go below the credit union’s established floor rate of 3.99% APR. Your rate and loan term will be determined based on individual creditworthiness and other qualifying factors. Rate discount available May 1, 2026 through July 31, 2026; to be eligible for the promotional rate discount, the application must be received between 12:00 AM CST on Friday, May 1, 2026, and 11:59 PM CST on Friday, July 31, 2026. No exceptions. Existing Explorers loans are not eligible for refinancing under this program. Offer subject to change or end at any time. Additional terms and restrictions apply. Contact the Credit Union for full details.
Ride Farther. Tow More. Pay Less!
For a limited time, Explorers Credit Union is making your next motorcycle or pull-behind trailer loan even more rewarding. Whether you’re buying new, upgrading your ride, or refinancing your motorcycle from another lender, this is your chance to save big.
BENEFITS
No application fee
Fast, easy application & approval
Purchases or refinances
Pre-qualification for better negotiating
HOW TO GET A LOAN
Apply Now >
Or, you can stop in any of our branches, call a Loan Officer at 800-491-4309, or send an email to loans@explorerscu.com.
Qualifying Rates Before 2% Promotional Discount
Motorcycles & Pull Behind Trailers : 2021 – 2026
| Credit Tier | 0 to 36 months | 37 to 48 months | 49 to 60 months | 61 to 72 months |
|---|---|---|---|---|
| 750+ | 5.99% | 6.24% | 6.49% | 6.99% |
| 700-749 | 6.99% | 7.24% | 7.49% | 7.99% |
| 675-699 | 8.00% | 8.25% | 8.50% | 9.00% |
| 650-674 | 9.5% | 9.75% | 10.25% | 11.25% |
| 560-649 | 12.50% | 13.00% | 14.00% | N/A |
Motorcycles & Pull Behind Trailers: 2020 and Older
| Credit Tier | 0 to 36 months | 37 to 48 months | 49 to 60 months | 61 to 72 months |
|---|---|---|---|---|
| 750+ | 6.49% | 6.74% | 6.99% | 7.49% |
| 700-749 | 7.49% | 7.74% | 7.99% | 8.49% |
| 675-699 | 8.75% | 9.00% | 9.25% | 9.75% |
| 650-674 | 10.00% | 10.25% | 10.75% | N/A |
| 560-649 | 13.00% | 13.50% | 14.50% | N/A |
Rates effective 1/01/2026
All fees and Annual Percentage Rates (APR) are declared by The Board of Directors of Explorers Credit Union and are subject to change anytime without notice.
Explorers Federal Credit Union offers a tiered-pricing program. Your individual rate will be determined by the type and/or age of collateral offered, length of the loan, and your credit history.
*Loan Payment Example: At 3.99% annual percentage rate (APR) for a 36-month term with 0% down, monthly payments are calculated at approximately $29.44 per $1,000.00 borrowed.
Ready To Hit the Trail?
Many of our loan options are available for online application. Follow the link below to get started!
Need Help Navigating Your Next Step?
Stop in any of our branches or contact one of our loan officers to get the process started!
Already A Member?
Streamline the application process! Login to your online banking to apply online!
The Water is Calling. The Road Is Waiting.
The Question Is… Are You Paying Too Much to Answer?
Still paying a high interest rate on your loan with another financial institution? Adventure shouldn’t cost this much. If your boat or camper loan is with another lender, you could be overpaying.
Read More about your savings potential when you refinance with Explorers.
