Credit union · NCUA insured
Trailhead Credit Union Auto Loan Rates
Trailhead Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Trailhead Credit Union’s auto loan rates compare
Compared with banks and credit unions near Portland, OR-WA, where Trailhead Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Trailhead Credit Union
4.99%APR
- Terms
- up to 84 months
- Up to
- 18.00% APR
Auto Loans
Lowest rate
Longshoremen's Local 4 Federal Credit Union
1.99%APR
- Terms
- up to 84 months
- Up to
- —
2nd-lowest rate
Ironworkers USA Credit Union
4.24%APR
- Terms
- 36–84 months
- Up to
- 18.00% APR
Trailhead Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Trailhead Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.99%–18.00% | Loan amounts per term: Up to 60 months is $5,000-$9,999.99; 61-72 months is $10,000-$14,999.99; 73-84 months is $15,000+. Rate Adjustments: Loan to Value below 80%: -0.5%, 81%-100%: Base rate, 101% & Above: +0.5%; No Automatic Payment: +0.25%; Mileage above 125,000 miles: +1%; Green Auto: -0.25%. Floor Rate is 2.49%. Value is based on sales price of KBB/MSRP for new, whichever is less. Offer valid through December 31, 2026. |
| — | 3.99% | Green Auto Loan Special: Finance a hybrid or electric vehicle and receive a 0.50% APR discount; rates as low as 3.99% APR with no payments for 90 days. Offer valid through December 31, 2026. |
Sources (3)
- trailheadcu.org
- trailheadcu.org/loan-refinance-promotion
- trailheadcu.org/loans/auto-loans-and-car-buying
All captured Oct 3, 2026
Who can join Trailhead Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- People who live, work, worship, or attend school in Multnomah County, Oregon are eligible for membership.
Family and household
- Immediate family members of current members (including spouses/domestic partners, parents/step-parents, children/step-children, siblings/step-siblings, grandparents/step-grandparents, and grandchildren/step-grandchildren) are eligible for membership.
Cost to join
- A $5 deposit in a savings account is required to become a member.
Membership information collected October 4, 2026.