Been a member with them for around 50 years since my dad set me up with an account. They (and Navy Federal) have great service and rates.
We use Navy Federal for most of our banking and also had a mortgage with them before paying it off. They are great to work with.
Before making a final decision, compare the loan offers on the market. Instead of applying for a boat loan, you can request a consumer loan, which may be on more favorable terms. My brother took out a boat loan at 2.75% last year. I think that's quite a lot for a loan. I study finance a bit, so when making a deal, I try to consider cash flow requirements, return expectations, and risk tolerance. This is very important in investments. Of course, it is most profitable to arrange installments, but it implies large payments for a short period. As a last resort, contact a consultant.