Loan Rates

Auto Loan Rates

NEW & LATE MODEL USED 6 YEARS OR NEWER
TermAPR* as low as
Up to 24 months 1.99%
Up to 36 months 2.24%
Up to 48 months 2.49%
Up to 60 months 2.74%
Up to 72 months 3.49%
Up to 84 months** 3.74%

**4+ Model Years - Max Mileage 40,000 
Max Term for automobiles 5 to 6 years is 72 months
Max Mileage for Auto Loans is 150,000

USED AUTO - 7 TO 8 YEARS OLD
TermAPR* as low as
Up to 24 months 2.99%
Up to 36 months 3.24%
Up to 48 months 3.49%
Up to 60 months 3.74%

Max Mileage for Auto Loans is 150,000

USED AUTO - 9 TO 12 YEARS OLD
TermAPR* as low as
Up to 24 months 4.99%
Up to 36 months 5.24%
Up to 48 months 5.49%
Up to 60 months 5.74%

Max Mileage for Auto Loans is 150,000

AWD & 4X4 LOAN PROMOTION^^
TermAPR* as low as
Up to 24 months 1.99%
Up to 36 months 2.24%
Up to 48 months 2.49%
Up to 84 months 2.74%
^^Although no payment is due for the first 90 days (3 months) of the loan term, interest will accrue.  This limited-time offer applies to 4-wheel and all-wheel drive automobiles that are four model years or newer. Financing offered up to 100% of automobiles value, plus sales tax. The loan special is effective 11/1/2021-2/28/2022. TrailNorth reserves the right to end the promotion at any time. This offer is not available for autos already financed with TrailNorth Federal Credit Union.  

Recreational Vehicle Loans

Motorcycle Loans
TermAPR* as low as
Up to 24 months 3.99%
Up to 36 months 4.24%
Up to 48 months 4.49%
Up to 60 months 4.99%

RV/Camper/Boat/Personal Watercraft Loans
TermAPR* as low as
Up to 24 months 3.74%
Up to 36 months 3.99%
Up to 48 months 4.24%
Up to 60 months 4.74%
Up to 72 months 5.49%
Up to 120 months $15,000+ 5.74%
Up to 180 months $25,000+ 5.99%

ATV Loans
TermAPR as low as*
Up to 24 months 3.99%
Up to 36 months 4.24%
Up to 48 months 4.49%
Up to 60 months 4.99%

Snowmobile Loans
TermAPR* as low as
Up to 24 months 3.99%
Up to 36 months 4.24%
Up to 48 months 4.49%
Up to 60 months 4.99%

Home Equity Loan
NameTermLTV^APR* as low as
Home Equity 5 Year  up to 80% 4.49%
Home Equity 5 - 10 Year  up to 80% 4.75%
Home Equity 10 - 15 Year  up to 80% 5.75%

Home Equity Line of Credit (HELOC)
NameTermAPR* as low asFee
HELOC SPECIAL 1-Year Introductory Rate

2.99%

NO CLOSING COSTS1

Consumer Loans
ProductTermAPR* as low as
Secured Loans Approximate terms of up to 84 months Contact us for current rates
Personal Loans Approximate terms of up to 60 months 5.99% to 17.00% based on Personalized Loan Rates
VISA Classic Credit Card Payment = 2.6% of balance 14.00%

Loan Calculators 

Mortgage Rates are available through Owner’s Choice Mortgage

View Deposit Rates on Checking and Savings Accounts

Rates vary based on individual credit history and the term of the loan.

*APR equals Annual Percentage Rate and is subject to credit qualification.

^ LTV equals Loan to Value

1 This APR (Annual percentage rate) is locked for 12 months and subject to change annually on the anniversary of the loan. To determine the APR after 12 months we add 3.25% to the one-year constant maturity treasury.  Max APR that may be imposed is 16%. Available on owner-occupied primary residences.  No closing cost offer applies only to loans with an initial advance of $7500 or greater. Appraisal fee required at the time of application and refunded at closing. Homeowners' insurance required. Member would be responsible for the cost of purchasing self-elected owner’s title insurance, any extenuating title issues, and flood insurance (if applicable). Member required to reimburse all closing costs if the loan is paid and closed within 36 months.  HELOC special promotion is subject to change at any time.

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