How to Finance an RV, Camper, or Travel Trailer with a Recreational Loan

There’s something special about the freedom that comes with owning a recreational vehicle. Whether you’re dreaming of weekend getaways or full-time living, purchasing a recreational vehicle is a major financial investment. At Curis Financial Credit Union, we offer recreational loans to help bring that adventure to life.

What Is a Recreational Loan?

A recreational vehicle loan is a type of financing used to purchase vehicles meant for leisure and travel. These may include motorhomes, campers, fifth wheels, travel trailers, ATVs, UTVs, motorcycles, boats, and more. Some lenders also cover used recreational vehicles, accessories, and optional protection plans.

What Are Typical Recreational Loan Rates?

Curis Financial offers competitive fixed rate recreational loans, which helps keep your monthly payments consistent, and repayment terms that make sense for your financial goals. Whether you’re financing something new or pre-owned, you can expect clear terms with no hidden fees.

Rates vary depending on your credit history, and the type and age of the vehicle.

Why Finance Through a Credit Union Like Curis Financial

Financing through a credit union often means better member-focused service and more personalized support.

At Curis Financial, we know this is more than just a purchase. It’s a lifestyle decision. That’s why our loan options are built to match your plans and your budget.

Here’s what sets Curis Financial apart:

  • Competitive rates on recreational loans to make your purchase more affordable
  • Flexible terms that work with your budget
  • Member-centric service that prioritizes your financial wellbeing
  • Quick application process so you can focus on planning your next trip

And because we’re a not-for-profit financial cooperative, any income generated is returned to members through new or improved products and services, lower fees, and educational resources.

Tips Before You Finance a Recreational Vehicle

Keep these things in mind before applying:

  • Choose the right vehicle. Think about how and where you plan to use it.
  • Plan for storage. Some vehicles will require secure or seasonal storage.
  • Check the age of the vehicle. Older units may come with financing restrictions.
  • Budget for additional expenses. Insurance, fuel, maintenance, and gear should all be included.

How to Apply for a Recreational Loan with Curis Financial

Ready to start the journey? Applying for a recreational loan with Curis Financial is easy. Here’s how to begin:

  1. Review your budget and decide how much you’re comfortable spending.
  2. Choose your vehicle and get a quote from a dealer or private seller.
  3. Apply for a loan online through our secure portal.
  4. Finalize your loan and pick up your new camper, trailer, or boat.

Not sure if it’s in the budget? Talk to a lending specialist to review your options and get pre-approved. Wherever the road takes you, Curis Financial is here to help you get there with the financing and support you need.

Let the journey begin. Apply for a Recreational Loan today and take the first step toward your next adventure.

What to Know Before You File: Tax Season Tips for Credit Union Members

Tax season can feel overwhelming, but it doesn’t have to. Whether you’re aiming to file early, claim a refund, or avoid costly payments, taking a few steps now can help you stay prepared and confident. Filing your taxes with the support of a credit union like Curis Financial can give you access to tools, guidance, and resources that help you feel more confident this season.

Here’s what to know before you file this season.

1. Why Tax Season Is a Financial Planning Opportunity

Many people view tax filing as a task to check off, but it can also be a valuable opportunity to reset financially. A refund can be used to reduce debt, grow your savings, or cover upcoming expenses. 

Just as important, reviewing your year-end finances can highlight where you might want to make changes in 2026. This might include checking the progress of your emergency savings, confirming any contributions to an IRA or HSA, or reevaluating your tax withholding if your financial situation changed last year.

2. Important Tax Dates to Know in 2026

Here are a few key tax deadlines to keep in mind:

  • February 2, 2026 – Employers must send W-2 forms and most 1099s by this date.
  • April 15, 2026 – Federal tax filing deadline (unless extended)
  • October 15, 2026 – Extension deadline (if requested by April 2026)

Staying ahead of these dates can help avoid stress and make sure you don’t miss important deductions.

3. Tax Season Checklist 

Make tax time easier by gathering these documents early:

  • W-2 or 1099 income forms
  • Mortgage interest or student loan interest statements
  • Charitable donation receipts
  • Childcare or education expense documents
  • Proof of contributions to IRAs or HSAs
  • Refund deposit information (routing and account number to your Curis account)

Need help accessing your year-end statements? Log in to digital banking.

4. How Curis Financial Can Support You During Tax Time

Curis Financial offers a range of tools and services designed to make tax season more manageable. If you’re expecting a refund, financial coaching through services like GreenPath Financial is available.

Members can also take advantage of Health Savings Accounts (HSAs), and Individual Retirement Accounts (IRAs) which may offer tax benefits to help maximize potential deductions. Whether you’re preparing to file or planning for the year ahead, Curis Financial is here to support your financial goals.

5. Common Filing Mistakes, and How to Avoid Them

Avoid these frequent errors that can delay your return or cost you money:

  • Filing with incorrect Social Security or bank account numbers
  • Forgetting to report all income sources (even smaller 1099 gigs)
  • Missing out on credits like Earned Income Tax Credit or Child Tax Credit
  • Filing before receiving all necessary tax documents

Tip: Use the IRS document guide to ensure you’re not missing anything important.

6. Resources for Free or Discounted Tax Help

Consumers can often access free or low-cost tax resources, including:

  • IRS Free File for households under a certain income threshold
  • VITA (Volunteer Income Tax Assistance) programs in your community

Let’s Make Tax Season Work for You

As a member of Curis Financial, you’re never alone in your financial journey. Whether you’re filing for the first time, expecting a refund, or making a plan for the year ahead, we’re here to help you stay informed and empowered.

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