The Trailhead Credit Union is a personal credit card from Trailhead Credit Union. The annual fee is No Annual Fee ($0). The ongoing APR is 12.75% - 18.00% Variable (purchase and cash advance APR); variable rate based on the Prime rate as published in the Wall Street Journal on the first day of the month, 18% ceiling (rates current as of 2/1/2026). Rewards: Earn Pathfinder Points on everyday purchases, redeemable for cash back, gift cards, travel, merchandise, and more. Typical credit limit: $1,000 Minimum Limit.