We (The wife and I) would like to try and get a lower rate on our boat loan. It's a 2000 32 fever, and we are at 7.25% right now. Was checking with our credit unions and they couldn't beat the rate but our credit score came back at 813 and 831.

Anything out there lower?

Costco offers as low as 5.44% on refies through Essex

https://www.essexcredit.com/costco/

Chit I need to join a costco!

whats the requirements to become a member

Simply pay them $50 for your membership card and you're a "member"

If you opt to get the $100 membership you get 2% cash back on all of your purchases at costco including gas....if you shop there a lot... it's worth it.

never seen one in my area

we joined tonight, I am trying it tomorrow,

Costco is a great company. I joined over 20 years ago....
My favorite story, I bought a battery (boat) and it died during the warranty period. I took it to the returns desk and they said, oh, the price has gone up $5. So, here is the price you paid, plus $5....
That did it for me...

good luck. you already have a nice interest rate. But try costco as other have suggested

Well I applied, lets see what happens.