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Trailhead Federal Credit Union

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Trailhead Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Trailhead Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Trailhead Federal Credit Union's Personal Loan Rates are as low as 14.00%. Trailhead Federal Credit Union's Credit Card Rates are at 8.75%. MonitorBankRates evaluates the financial stability of Trailhead Federal Credit Union with a 4.1 Star Rating, an C+ Overall Health Grade, and a Texas Ratio of 26.35%. Rates last updated and verified on 09/23/2026.

Trailhead Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Trailhead Federal Credit Union? Share your experience about Trailhead Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Trailhead Federal Credit Union.

Overall Health & Safety Grade

C+

Fair Health Score: 77/100

MonitorBankRates Rating

4.1

Excellent Out of 5.0 Stars

Texas Ratio

26.35%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Trailhead Federal Credit Union
Trailhead CU

221 NW 2nd Ave Ste 100
Portland, OR 97209-3959

https://www.trailheadcu.org

Trailhead Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - 1st Lien (Home Loan Refinance)	5.25%	-	5.55%	15 year
Details Rates include a 0.75% loan origination fee. Based on $200,000 loan with 20% down. Rates are subject to change without notice. Member pays third party closing costs. Up to 90% LTV Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%
Home Equity Loan - 1st Lien (Home Loan Refinance)	6.00%	-	6.19%	7 year
Details Term: 7 year balloon (30 year amortization); Rates include a 0.75% loan origination fee. Based on $200,000 loan with 20% down. Rates are subject to change without notice. Member pays third party closing costs. Up to 90% LTV Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%
Home Equity Loan - 2nd Lien	-	-	6.25%	15 year
Details Term: 15 year amortization with 10 year draw; Variable rate is based on the Prime rate as published in the Wall Street Journal on the first day of the month and subject to change on the first day of the following month. 3.75% floor; 18% ceiling. Trailhead will pay standard set up costs up to $500 including a desktop appraisal (for primary residences only). If the line is closed within 3 years, the member will be required to reimburse those costs at the time of closing. If a full appraisal or other non-standard costs are necessary, borrower will be responsible for those charges. See credit union for complete details.; APR range: 6.25% - 10.75% variable Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%
Home Equity Loan - 2nd Lien	-	-	7.63%	10 years
Details Members pays third party closing costs; Up to 85% LTV Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%
Floating Home Equity Line of Credit	-	-	7.75%	15 year
Details Term: 15 year amortization with 10 year draw; Variable rate is based on the Prime rate as published in the Wall Street Journal on the first day of the month and subject to change on the first day of the following month. 3.75% floor; 18% ceiling. Member pays third party closing costs. Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%
Home Equity Loan - 2nd Lien	-	-	8.13%	15 years
Details Members pays third party closing costs; Up to 85% LTV Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%

Trailhead Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Autos (New & Used)	-	-	4.99%	Up to 84 months
Details 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+; 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% Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%
New & Used Auto Loans	-	-	4.99%	Up to 84 months
Details 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+; 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%; Value is based on sales price of KBB/MSRP for new, whichever is less; Floor Rate is 2.49% Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%

Trailhead Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycles (New & Used) - Standard (60 months or less) Loan	-	7.74%	60 months or less
Details Loan amounts per term: Up to 60 months is $5,000-$9,999.99; Loan to Value: Below 80%: -0.5%; 81%-100%: Base rate; 101% & Above: +0.5%; No Automatic Payment: +0.25%; Vehicle Age (7-20 years): +2%; Trailhead Rewards: -0.25%; Floor Rate is 2.49% Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%
Boats, RVs & Travel Trailers (New & Used) - 84 months or less Loan	-	7.99%	84 months or less
Details Loan to Value: Below 80%: -0.5%; 81%-100%: Base rate; 101%-105%: +0.5%; No Automatic Payment: +0.25%; Vehicle Age (10-20 years): +2%; Trailhead Rewards: -0.25% Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%
Boats, RVs & Travel Trailers (New & Used) - 85-120 months Loan	-	8.24%	120 Months
Details Loan to Value: Below 80%: -0.5%; 81%-100%: Base rate; 101%-105%: +0.5%; No Automatic Payment: +0.25%; Vehicle Age (10-20 years): +2%; Trailhead Rewards: -0.25% Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%
Motorcycles (New & Used) - Extended (61-84 months) Loan	-	8.24%	84 Months
Details Loan amounts per term: 61-84 months is $10,000+; Loan to Value: Below 80%: -0.5%; 81%-100%: Base rate; 101% & Above: +0.5%; No Automatic Payment: +0.25%; Vehicle Age (7-20 years): +2%; Trailhead Rewards: -0.25%; Floor Rate is 2.49% Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%
Boats, RVs & Travel Trailers (New & Used) - 121-180 months Loan	-	8.99%	180 Months
Details Loan to Value: Below 80%: -0.5%; 81%-100%: Base rate; 101%-105%: +0.5%; No Automatic Payment: +0.25%; Vehicle Age (10-20 years): +2%; Trailhead Rewards: -0.25% Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%
Boats, RVs & Travel Trailers (New & Used) Loan	-	9.00%	Up to 24 months
Details Up to 100% LTV Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%
Boats, RVs & Travel Trailers (New & Used) Loan	-	9.25%	25-36 months
Details Up to 100% LTV Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%
Boats, RVs & Travel Trailers (New & Used) Loan	-	9.50%	37-48 months
Details Up to 100% LTV Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%
Boats, RVs & Travel Trailers (New & Used) Loan	-	11.50%	Up to 12 months
Details $350 min, $2500 max loan amount; New purchases Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%

Trailhead Federal Credit Union Credit Card Rates

Product	Rate	APR
Platinum Credit Card	-	8.75%
Details Rate: Prime + Margin; 18% ceiling.; APR range: 8.75% - 18.00% Variable Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%
Secured Credit Card	-	8.75%
Details Rate: Prime + Margin; 18% ceiling. Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%
Rewards Credit Card	-	9.75%
Details Rate: Prime + Margin; 18% ceiling.; APR range: 9.75% - 18.00% Variable Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%
Business Platinum Credit Card	-	11.75%
Details Variable rate is based on the Prime rate as published in the Wall Street Journal on the first day of the month and subject to change on the first day of the following month. 18% ceiling. Balance Transfer APR: 8.75% - 18.00% Variable; APR range: 11.75% - 18.00% Variable Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%
Platinum Credit Card	-	11.75%
Details Rate: Prime + Margin; 18% ceiling.; APR range: 11.75% - 18.00% Variable Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%
Secured Credit Card	-	11.75%
Details Rate: Prime + Margin; 18% ceiling. Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%
Business Rewards Credit Card	-	12.75%
Details Variable rate is based on the Prime rate as published in the Wall Street Journal on the first day of the month and subject to change on the first day of the following month. 18% ceiling. Balance Transfer APR: 9.75% - 18.00% Variable; APR range: 12.75% - 18.00% Variable Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%
Rewards Credit Card	-	12.75%
Details Rate: Prime + Margin; 18% ceiling.; APR range: 12.75% - 18.00% Variable Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%

Trailhead Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	14.00%	Up to 48 months
No additional details. Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%

Trailhead Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Adjustable Rate - 10 Year Loan	6.50%	-	6.79%
Details Rates include a 1% loan fee. Based on $200,000 loan with 20% down. Rates based on purchase of primary residence. Rates are subject to change without notice. Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%
Adjustable Rate - 7 Year Loan	6.38%	-	6.71%
Details Rates include a 1% loan fee. Based on $200,000 loan with 20% down. Rates based on purchase of primary residence. Rates are subject to change without notice. Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%
Fixed Rate - 15 Year	6.25%	-	6.48%
Details Rates include a 1% loan fee. Based on $200,000 loan with 20% down. Rates based on purchase of primary residence. Rates are subject to change without notice. Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%
Fixed Rate - 30 Year	7.00%	-	7.21%
Details Rates include a 1% loan fee. Based on $200,000 loan with 20% down. Rates based on purchase of primary residence. Rates are subject to change without notice. Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%
Floating Home Loan	6.75%	-	6.91%	15 year
Details 1% loan origination fee; Member pays third party closing costs; Purchase or refinance Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%
Floating Home Loan	7.00%	-	7.31%	7 year
Details Term: 7 year balloon (30 year amortization); 1% loan origination fee; Member pays third party closing costs; Purchase or refinance Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.35%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Trailhead Federal Credit Union’s Texas Ratio rose from 6.91% in Q2 2023 to 26.35% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.1 and its Health Grade from A to C+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$155M	26.35%	4.1	C+
December 31, 2025	$156M	19.34%	4.6	B
September 30, 2025	$153M	9.69%	5.0	A
June 30, 2025	$158M	10.79%	5.0	A
March 31, 2025	$159M	13.11%	5.0	A
December 31, 2024	$163M	5.49%	5.0	A+
September 30, 2024	$170M	11.92%	5.0	A
June 30, 2024	$164M	10.16%	5.0	A
March 31, 2024	$177M	9.54%	5.0	A
December 31, 2023	$168M	5.74%	5.0	A+
September 30, 2023	$174M	6.70%	5.0	A
June 30, 2023	$179M	6.91%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Trailhead Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Trailhead Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Trailhead Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Trailhead Federal Credit Union

Website https://www.trailheadcu.org

Address 221 NW 2nd Ave Ste 100, Portland, OR 97209-3959

Phone 503-220-2592

Fax 503-228-6770

President Adam Starling

CEO Jim McCarthy

Full-Time Employees 34

Part-Time Employees 1

Branch Locations 3

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.1 / 5.0 ★

Overall Health & Safety Grade

C+ (77/100)

Texas Ratio

26.35%

Return on Assets (ROA)

-0.2939%

Return on Equity (ROE)

-3.2011%

Non-Performing Loans Ratio (NPL)

3.87%

Total Assets

155,463,245

Total Amount of Shares and Deposits

141,153,929

Total Shares and Deposits < 1 Year

139,135,629

Total Shares and Deposits 1 3 Years

1,942,787

Total Shares and Deposits > 3 Years

75,512

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,864,481

Total Uninsured Shares and Deposits > $250K (F+J)

1,864,481

Total Insured Shares and Deposits > $250K (item 17 less item K)

139,289,448

Total Interest Expense (Sum of items 6 8)

524,440

Share Certificates

551

Number of Accounts for Share Drafts

7,352

IRA KEOGH Accounts

346

Number of Accounts for Regular Shares

12,367

Non Member Deposits

Money Market Shares

326

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

23,574,347

Total Liabilities

142,112,856

Source: NCUA — Last Updated 03/31/2026

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Trailhead Federal Credit Union

How many branches does Trailhead Federal Credit Union operate?

Trailhead Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Trailhead Federal Credit Union?

Yes, to access services at Trailhead Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Trailhead Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Trailhead Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Trailhead Federal Credit Union offer online and mobile banking?

Most modern institutions like Trailhead Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.trailheadcu.org.