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TrailNorth Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

TrailNorth Federal Credit Union's top rates as of October 12, 2026 are 4.25% APY on its Trailblazer - 12 month CD, 0.10% APY on savings, and rv, boat and powersport loans from 5.49% APR, according to rates verified by MonitorBankRates. Other TrailNorth Federal Credit Union CD rates include Trailblazer - 18 month at 4.15%, Trailblazer - 24 month at 4.00%, and 180 - 364 Day CD at 3.82%. MonitorBankRates evaluates the financial stability of TrailNorth Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.09%. Rates last updated and verified on 10/12/2026.

TrailNorth 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 TrailNorth Federal Credit Union? Share your experience about TrailNorth Federal Credit Union by leaving a review below, or read customer reviews before you decide to use TrailNorth Federal Credit Union.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
4.09%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
TrailNorth Federal Credit Union
TrailNorth Federal Credit Union
1172 NYS Route 9N
Ticonderoga, NY 12883-3106
https://www.tfcunow.com
Member NCUA
Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

TrailNorth Federal Credit Union CD Rates

Product Rate APY Term View More
Trailblazer - 12 month 4.18% 4.25% 12 months
Min Balance $100
Details Effective Date: 08/01/2025
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Trailblazer - 18 month 4.09% 4.15% 18 months
Min Balance $100
Details Effective Date: 08/01/2025
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 12, 2026: 4.15% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Trailblazer - 24 month 3.94% 4.00% 24 months
Min Balance $100
Details Effective Date: 08/01/2025
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
180 - 364 Day Share Certificate 3.75% 3.82% 180-364 Days
Min Balance $500
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
1 Year Share Certificate 3.50% 3.56% 1 year
Min Balance $500
Details Term: 1 yr to less than 2 yrs
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
2 Year Share Certificate 3.25% 3.30% 2 years
Min Balance $500
Details Term: 2 yrs to less than 3 yrs
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 12, 2026: 3.30% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
3 Year Share Certificate 3.15% 3.20% 3 years
Min Balance $500
Details Term: 3 yrs to less than 4 yrs
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 12, 2026: 3.20% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
4 Year Share Certificate 3.10% 3.15% 4 years
Min Balance $500
Details Term: 4 yrs to less than 5 yrs
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 12, 2026: 3.15% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
90 - 179 Day Share Certificate 0.75% 0.75% 90-179 Days
Min Balance $500
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.75% APY
0.25%0.75%1.25%Oct 12, 2026: 0.75% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
60 - 89 Day Share Certificate 0.50% 0.50% 60-89 Days
Min Balance $500
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 12, 2026: 0.50% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%

TrailNorth Federal Credit Union Savings Rates

Product Rate APY View More
Escrow Savings (06,07) 0.10% 0.10%
Min Deposit $0
Min Balance $100
Details Minimum balance to earn dividends: $100 ADB
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 12, 2026: 0.10% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Holiday Club (11) 0.10% 0.10%
Min Deposit $0
Min Balance $100
Details Minimum balance to earn dividends: $100 ADB
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 12, 2026: 0.10% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
IRA Savings (81, 41, 91) 0.10% 0.10%
Min Deposit $5
Min Balance $100
Details Balance: $100.00 for dividends; Minimum balance to earn dividends: $100.00
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 12, 2026: 0.10% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Regular Savings (01) 0.10% 0.10%
Min Deposit $5
Min Balance $100
Details Minimum balance to earn dividends: $100 ADB
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 12, 2026: 0.10% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Savings Safari Club (03) 0.10% 0.10%
Min Deposit $5
Min Balance $5
Details Balance: $5.00 average daily balance; Minimum balance to earn dividends: $5.00 average daily balance
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 12, 2026: 0.10% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Special Savings (05) 0.10% 0.10%
Min Deposit $0
Min Balance $100
Details Minimum balance to earn dividends: $100 ADB
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 12, 2026: 0.10% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%

TrailNorth Federal Credit Union Business Savings Rates

Product Rate APY View More
Business Savings (02) 0.10% 0.10%
Min Deposit $5
Min Balance $750
Details Balance: $750.00 ADB to earn dividends
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 12, 2026: 0.10% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%

TrailNorth Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity - - 4.99% 5 Year Fixed
Details As Low As; LTV: up to 80%
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 12, 2026: 4.99% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Home Equity - - 5.25% 5 - 10 Year Fixed
Details As Low As; LTV: up to 80%
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 5.25% APR · checked 7 times
4.75%5.25%5.75%Sep 12, 2026: 5.25% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Home Equity - - 6.25% 10 - 15 Year Fixed
Details As Low As; LTV: up to 80%
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.25% APR · checked 7 times
5.75%6.25%6.75%Sep 12, 2026: 6.25% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Home Equity BOOST - - 6.49% 5 Year Fixed
Details As Low As; LTV: > than 80%
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.49% APR · checked 7 times
5.99%6.49%6.99%Sep 12, 2026: 6.49% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Home Equity BOOST - - 6.75% 5 - 10 Year Fixed
Details As Low As; LTV: > than 80%
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.75% APR · checked 7 times
6.25%6.75%7.25%Sep 12, 2026: 6.75% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Home Equity BOOST - - 7.75% 10 - 15 Year Fixed
Details As Low As; LTV: > than 80%
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 7.75% APR · checked 7 times
7.25%7.75%8.25%Sep 12, 2026: 7.75% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%

TrailNorth Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - New & Late Model Used 6 Years or Newer - - 3.99% Up to 24 months
Details As Low As; Max Mileage for Auto Loans is 150,000
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 12, 2026: 3.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Auto Loan - New & Late Model Used 6 Years or Newer - - 4.24% Up to 36 months
Details As Low As; Max Mileage for Auto Loans is 150,000
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 12, 2026: 4.24% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Auto Loan - New & Late Model Used 6 Years or Newer - - 4.74% Up to 60 months
Details As Low As; Max Mileage for Auto Loans is 150,000
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 12, 2026: 4.74% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Auto Loan - New & Late Model Used 6 Years or Newer - - 4.99% Up to 72 months
Details As Low As; Max Term for automobiles 5 to 6 years is 72 months; Max Mileage for Auto Loans is 150,000
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 12, 2026: 4.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
USED AUTO - 7 TO 8 YEARS OLD - - 4.99% Up to 24 months
Details As Low As; Max Mileage for Auto Loans is 150,000
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 12, 2026: 4.99% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Auto Loan - New & Late Model Used 6 Years or Newer - - 5.24% Up to 84 months
Details As Low As; 4+ Model Years - Max Mileage 60,000; Max Term for automobiles 5 to 6 years is 72 months; Max Mileage for Auto Loans is 150,000
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 12, 2026: 5.24% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
USED AUTO - 7 TO 8 YEARS OLD - - 5.24% Up to 36 months
Details As Low As; Max Mileage for Auto Loans is 150,000
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 12, 2026: 5.24% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
USED AUTO - 7 TO 8 YEARS OLD - - 5.49% Up to 48 months
Details As Low As; Max Mileage for Auto Loans is 150,000
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 5.49% APR · checked 6 times
4.99%5.49%5.99%Sep 12, 2026: 5.49% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
USED AUTO - 7 TO 8 YEARS OLD - - 5.74% Up to 60 months
Details As Low As; Max Mileage for Auto Loans is 150,000
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 5.74% APR · checked 6 times
5.24%5.74%6.24%Sep 12, 2026: 5.74% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Used Auto Loan - 9 to 12 Years Old - - 6.99% Up to 24 months
Details As Low As; Max Mileage for Auto Loans is 150,000
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.99% APR · checked 6 times
6.49%6.99%7.49%Sep 12, 2026: 6.99% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Used Auto Loan - 9 to 12 Years Old - - 7.24% Up to 36 months
Details As Low As; Max Mileage for Auto Loans is 150,000
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 7.24% APR · checked 6 times
6.74%7.24%7.74%Sep 12, 2026: 7.24% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Used Auto Loan - 9 to 12 Years Old - - 7.49% Up to 48 months
Details As Low As; Max Mileage for Auto Loans is 150,000
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 7.49% APR · checked 6 times
6.99%7.49%7.99%Sep 12, 2026: 7.49% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Used Auto Loan - 9 to 12 Years Old - - 7.74% Up to 60 months
Details As Low As; Max Mileage for Auto Loans is 150,000
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 7.74% APR · checked 6 times
7.24%7.74%8.24%Sep 12, 2026: 7.74% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%

TrailNorth Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
RV/Camper/Boat/Personal Watercraft Loans - 5.49% Up to 24 months
Details As Low As
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 5.49% APR · checked 6 times
4.99%5.49%5.99%Sep 12, 2026: 5.49% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
RV/Camper/Boat/Personal Watercraft Loans - 5.74% Up to 36 months
Details As Low As
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 5.74% APR · checked 6 times
5.24%5.74%6.24%Sep 12, 2026: 5.74% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Motorcycle Loans - 5.99% Up to 24 months
Details As Low As; APR* as low as; subject to credit qualification
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 12, 2026: 5.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
RV/Camper/Boat/Personal Watercraft Loans - 5.99% Up to 48 months
Details As Low As
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 5.99% APR · checked 5 times
5.49%5.99%6.49%Sep 20, 2026: 5.99% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Motorcycle Loans - 6.24% Up to 36 months
Details As Low As; APR* as low as; subject to credit qualification
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.24% APR
5.74%6.24%6.74%Oct 12, 2026: 6.24% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Motorcycle Loans - 6.49% Up to 48 months
Details As Low As; APR* as low as; subject to credit qualification
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 12, 2026: 6.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
RV/Camper/Boat/Personal Watercraft Loans - 6.49% Up to 60 months
Details As Low As
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 6.99% → 6.49% ▼ 0.50 pts · high 6.99% / low 6.49%
5.99%6.74%7.49%Sep 12, 2026: 6.99% APROct 4, 2026: 6.49% APRSep 12, 2026Oct 13, 2026
  • Oct 4, 20266.49%▼ from 6.99%
  • Sep 12, 20266.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Motorcycle Loans - 6.99% Up to 60 months
Details As Low As; APR* as low as; subject to credit qualification
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.99% APR
6.49%6.99%7.49%Oct 12, 2026: 6.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
RV/Camper/Boat/Personal Watercraft Loans - 7.24% Up to 72 months
Details As Low As
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 7.24% APR · checked 6 times
6.74%7.24%7.74%Sep 12, 2026: 7.24% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Motorcycle Loans - 7.49% Up to 72 months
Details As Low As; APR* as low as; Loan amount: $20,000+; subject to credit qualification
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 7.49% APR · checked 6 times
6.99%7.49%7.99%Sep 12, 2026: 7.49% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
RV/Camper/Boat/Personal Watercraft Loans - 7.49% Up to 120 months
Details As Low As; Loan amount: $15,000+
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 7.49% APR · checked 5 times
6.99%7.49%7.99%Sep 20, 2026: 7.49% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
RV/Camper/Boat/Personal Watercraft Loans - 7.74% Up to 180 months
Details As Low As; Loan amount: $25,000+
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 7.74% APR · checked 6 times
7.24%7.74%8.24%Sep 12, 2026: 7.74% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%

TrailNorth Federal Credit Union Personal Loan Rates

Product APR Term View More
RV/Camper/Boat/Personal Watercraft Loans 5.49% Up to 24 months
Details As Low As
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 5.49% APR · checked 6 times
4.99%5.49%5.99%Sep 12, 2026: 5.49% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
RV/Camper/Boat/Personal Watercraft Loans 5.74% Up to 36 months
Details As Low As
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 5.74% APR · checked 6 times
5.24%5.74%6.24%Sep 12, 2026: 5.74% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
RV/Camper/Boat/Personal Watercraft Loans 5.99% Up to 48 months
Details As Low As
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 5.99% APR · checked 5 times
5.49%5.99%6.49%Sep 20, 2026: 5.99% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
RV/Camper/Boat/Personal Watercraft Loans 6.49% Up to 60 months
Details As Low As
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 6.99% → 6.49% ▼ 0.50 pts · high 6.99% / low 6.49%
5.99%6.74%7.49%Sep 12, 2026: 6.99% APROct 4, 2026: 6.49% APRSep 12, 2026Oct 13, 2026
  • Oct 4, 20266.49%▼ from 6.99%
  • Sep 12, 20266.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
RV/Camper/Boat/Personal Watercraft Loans 7.24% Up to 72 months
Details As Low As
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 7.24% APR · checked 6 times
6.74%7.24%7.74%Sep 12, 2026: 7.24% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
RV/Camper/Boat/Personal Watercraft Loans 7.49% Up to 120 months
Details As Low As; Loan amount: $15,000+
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 7.49% APR · checked 5 times
6.99%7.49%7.99%Sep 20, 2026: 7.49% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
RV/Camper/Boat/Personal Watercraft Loans 7.74% Up to 180 months
Details As Low As; Loan amount: $25,000+
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 7.74% APR · checked 6 times
7.24%7.74%8.24%Sep 12, 2026: 7.74% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Personal Loan 9.49% 36 Months
Details As Low As; *APR is Annual Percentage Rate
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 9.49% APR · checked 6 times
8.99%9.49%9.99%Sep 12, 2026: 9.49% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%

TrailNorth Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Swimming Pool Loan - - 7.99% 1-36 Months
Details As Low As; Effective Date: 06/01/2026
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.99% APR
7.49%7.99%8.49%Oct 12, 2026: 7.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Swimming Pool Loan - - 8.99% 37-48 Months
Details As Low As; Effective Date: 06/01/2026
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.99% APR
8.49%8.99%9.49%Oct 12, 2026: 8.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Swimming Pool Loan - - 9.99% 49-60 Months
Details As Low As; Effective Date: 06/01/2026
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 9.99% APR
9.49%9.99%10.49%Oct 12, 2026: 9.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Advantage (75) 0.07% - 0.07%
Min Deposit $100
Min Balance $400
Details $400 ADB to earn dividends
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.07% APY
0.00%0.29%0.57%Oct 12, 2026: 0.07% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
IRAs 3.50% - 3.56% 1 to less than 2 years
Min Balance $200
Details Term: 1 yr to less than 2 yrs
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
IRAs 3.25% - 3.30% 2 to less than 3 years
Min Balance $200
Details Term: 2 yrs to less than 3 yrs
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 12, 2026: 3.30% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
IRAs 3.15% - 3.20% 3 to less than 4 years
Min Balance $200
Details Term: 3 yrs to less than 4 yrs
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 12, 2026: 3.20% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
IRAs 3.10% - 3.15% 4 to less than 5 years
Min Balance $200
Details Term: 4 yrs to less than 5yrs
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 12, 2026: 3.15% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
IRAs 3.00% - 3.05% 5 to less than 10 years
Min Balance $200
Details Term: 5 yrs to less than 10 yrs
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 12, 2026: 3.05% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Prestige 50 (76) 0.07% - 0.07%
Min Deposit $100
Min Balance $400
Details $400 ADB to earn dividends
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.07% APY
0.00%0.29%0.57%Oct 12, 2026: 0.07% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Regular Business (71) 0.07% - 0.07%
Min Deposit $100
Min Balance $750
Details Balance: $750 ADB to earn dividends
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.07% APY · checked 6 times
0.00%0.29%0.57%Sep 12, 2026: 0.07% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
Take Advantage (77) 0.10% - 0.10%
Min Balance $2,500
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 12, 2026: 0.10% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.09%
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.
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Financial Health History

TrailNorth Federal Credit Union’s Texas Ratio fell from 6.71% in Q3 2023 to 4.09% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. 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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 6.71% A Q3 2023 A+ Q4 2023 A Q1 2024 A Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 4.09% A+ Q2 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$180M4.09%5.0A+
March 31, 2026$177M3.24%5.0A+
December 31, 2025$176M5.84%5.0A+
September 30, 2025$176M3.67%5.0A+
June 30, 2025$171M4.84%5.0A+
March 31, 2025$168M2.89%5.0A+
December 31, 2024$167M4.38%5.0A+
September 30, 2024$172M5.68%5.0A+
June 30, 2024$168M7.09%5.0A
March 31, 2024$165M6.28%5.0A
December 31, 2023$161M5.80%5.0A+
September 30, 2023$159M6.71%5.0A
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 TrailNorth 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 TrailNorth 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 TrailNorth Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name TrailNorth Federal Credit Union
Website https://www.tfcunow.com
Address 1172 NYS Route 9N, Ticonderoga, NY 12883-3106
Phone 518-585-6725
Fax 518-503-3069
President John Lenhart
CEO Marcy Eichen
Full-Time Employees 37
Part-Time Employees 0
Branch Locations 3
ATM Locations 3
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.09%
Return on Assets (ROA)
0.3643%
Return on Equity (ROE)
3.7255%
Non-Performing Loans Ratio (NPL)
0.84%
Total Assets
179,560,721
Total Amount of Shares and Deposits
164,756,288
Total Shares and Deposits < 1 Year
161,487,073
Total Shares and Deposits 1 3 Years
2,890,607
Total Shares and Deposits > 3 Years
378,609
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,587,231
Total Uninsured Shares and Deposits > $250K (F+J)
2,587,231
Total Insured Shares and Deposits > $250K (item 17 less item K)
162,169,057
Total Interest Expense (Sum of items 6 8)
597,659
Share Certificates
864
Number of Accounts for Share Drafts
7,810
IRA KEOGH Accounts
291
Number of Accounts for Regular Shares
12,605
All other shares
720
Money Market Shares
96
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)
16,754,800
Total Liabilities
162,428,970
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

TrailNorth Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About TrailNorth Federal Credit Union

How many branches does TrailNorth Federal Credit Union operate?

TrailNorth 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 TrailNorth Federal Credit Union?

Yes, to access services at TrailNorth 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, TrailNorth 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, TrailNorth Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does TrailNorth Federal Credit Union offer online and mobile banking?

Most modern institutions like TrailNorth 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.tfcunow.com.

Current TrailNorth Federal Credit Union Rates

  • 12-Month CD3.56%
  • 18-Month CD4.15%
  • 24-Month CD3.30%
  • Savings0.10%
Retrieved from our database of financial products. Rates subject to change.

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