Rates

Consumer 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.  

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%

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%

Christmas Loans
NameAPR*
Platinum 2.99%
Gold 3.49%
Silver 4.49%
Bronze Plus 5.99%
Bronze 8.49%
Re-Builder 11.74

*APR equals Annual Percentage Rate. The Christmas loan product is a twelve-month installment loan.

 

 

Home Equity Line of Credit (HELOC) BOOST

Loan Calculators

Deposit Rates

Checking Accounts
Account Minimum BalanceDividend RateAPY

Freedom & Freedom Student Checking(74)

No Minimum Balance

N/A N/A
Advantage (75) $100 to open, $400 ADB to earn dividends .05% .05%
Prestige 50 (76) $100 to open, $400 ADB to earn dividends .05% .05%

Savings Accounts
Account Minimum BalanceDividend RateAPY
Regular Savings (01) $5.00 to open account, $100 ADB to earn dividends .05% .05%
Holiday Club (11) $0.00 to open account, $100 ADB to earn dividends .05% .05%
Savings Safari Club (03) $5.00 to open account, $5.00 average daily balance to earn dividends .05% .05%
Special Savings (05) $0.00 to open account, $100 ADB to earn dividends .05% .05%
Escrow Savings (06,07) $0.00 to open account, $100 ADB to earn dividends .05% .05%
Take Advantage (77) $2,500.00 .10% .10%
IRA Savings (81, 41, 91) $5.00 to open, $100.00 for dividends .05% .05%

Business Accounts
Account Minimum BalanceDividend RateAPY
Business Savings (02) $5.00 to open, $750.00 ADB to earn dividends .05% .05%
Basic Business (70) $100 Minimum to open N/A N/A
Regular Business (71) $100 to open, $750 ADB to earn dividends .05% .05%

Share Certificates
Account Minimum BalanceDividend RateAPY
60-89 Days $500.00 .10% .10%
90-179 Days $500.00 .10% .10%
180-364 Days $500.00 .15% .15%
1 yr to less than 2 yrs $500.00 .25% .25%
2 yrs to less than 3 yrs $500.00 .40% .40%
3 yrs to less than 4 yrs $500.00 .50% .50%
4 yrs to less than 5 yrs $500.00 .55% .55%
5 yrs to less than 10 yrs $500.00 1.00% 1.00%

IRAs
Account Minimum BalanceDividend RateAPY
1 yr to less than 2 yrs $200.00 .25% .25%
2 yrs to less than 3 yrs $200.00 .40% .40%
3 yrs to less than 4 yrs $200.00 .50% .50%
4 yrs to less than 5yrs $200.00 .55% .55%
5 yrs to less than 10 yrs $200.00 1.00% 1.00%

Mortgage Loan Rates

 

Mortgage Rates are available through Owner’s Choice Mortgage     

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

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