Credit union · NCUA insured
TrailNorth Federal Credit Union Auto Loan Rates
Top CarrotTrailNorth Federal Credit Union auto loans start at 4.74% APR for a new vehicle and 5.74% for a used one. Rates checked October 16, 2026.
How TrailNorth Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions in New York, where TrailNorth Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
TrailNorth Federal Credit Union
4.74%APR
- Terms
- up to 60 months
Auto Loan - New & Late Model Used 6 Years or Newer
Lowest rate
SUNY Fredonia Federal Credit Union
1.90%APR
- Terms
- 12–60 months
2nd-lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
TrailNorth Federal Credit Union auto loan score
82
Auto loan score
Higher than 61% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where TrailNorth Federal 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 Loan - New & Late Model Used 6 Years or Newer
Max mileage for Auto Loans is 150,000. Max term for automobiles 5 to 6 years is 72 months. 4+ Model Years requires max mileage 60,000 for terms up to 84 months. Vendor Single Interest (VSI) insurance payment of $125 per loan required on collateral secured loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.99% | — |
| up to 36 months | 4.24% | — |
| up to 48 months | 4.49% | — |
| up to 60 months | 4.74% | — |
| up to 72 months | 4.99% | Max term for automobiles 5 to 6 years is 72 months. |
| up to 84 months | 5.24% | 4+ Model Years - Max Mileage 60,000. |
Sources (2)
All captured Oct 5, 2026
Auto Loan - Used Auto 7 to 8 Years Old
Max mileage for Auto Loans is 150,000. All collateral secured loans must pay the Vendor Single Interest (VSI) insurance payment of $125 per loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.99% | — |
| up to 36 months | 5.24% | — |
| up to 48 months | 5.49% | — |
| up to 60 months | 5.74% | — |
Sources (3)
- trailnorth.com/borrow/loan-rates
- trailnorth.com/borrow/vehicle-loans/auto-loan-refinance
- trailnorth.com/borrow/vehicle-loans/auto-loans
All captured Oct 5, 2026
Auto Loan - Used Auto 9 to 12 Years Old
Max mileage for Auto Loans is 150,000. All collateral secured loans must pay the Vendor Single Interest (VSI) insurance payment of $125 per loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.99% | — |
| up to 36 months | 7.24% | — |
| up to 48 months | 7.49% | — |
| up to 60 months | 7.74% | — |
Sources (3)
- trailnorth.com/borrow/loan-rates
- trailnorth.com/borrow/vehicle-loans/auto-loan-refinance
- trailnorth.com/borrow/vehicle-loans/auto-loans
All captured Oct 5, 2026
Auto Loan Refinance
Refinancing is not available for autos already financed with TrailNorth Federal Credit Union. All collateral secured loans must pay the Vendor Single Interest (VSI) insurance payment of $125 per loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.99% | New & Late Model Used 6 Years or Newer. |
| up to 36 months | 4.24% | New & Late Model Used 6 Years or Newer. |
| up to 48 months | 4.49% | New & Late Model Used 6 Years or Newer. |
| up to 60 months | 4.74% | New & Late Model Used 6 Years or Newer. |
| up to 72 months | 4.99% | New & Late Model Used 6 Years or Newer. Max Term for automobiles 5 to 6 years is 72 months. |
| up to 84 months | 5.24% | New & Late Model Used 6 Years or Newer. 4+ Model Years - Max Mileage 60,000. |
Sources (2)
All captured Oct 5, 2026
Motorcycle Loans
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.99% | — |
| up to 36 months | 6.24% | — |
| up to 48 months | 6.49% | — |
| up to 60 months | 6.99% | — |
| up to 72 months | 7.49% | $20,000+ |
Sources (1)
- trailnorth.com/borrow/loan-rates · captured Oct 5, 2026
Who can join TrailNorth Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school, or businesses and legal entities located in Essex, Washington, Warren, Clinton, and Franklin Counties in New York and Addison County in Vermont are eligible to join.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings, and adoptive relationships) of individuals within the credit union's field of membership are eligible to join, regardless of whether the relative is a member.
Membership information collected October 5, 2026.