The TrailNorth Federal Credit Union is a home equity loan from TrailNorth Federal Credit Union. The ongoing APR is APR as low as, LTV greater than 80%: 5 Year Fixed 6.49%; 5 - 10 Year Fixed 6.75%; 10 - 15 Year Fixed 7.75%; this APR is locked for 12 months and subject to change annually on the anniversary of the loan (after 12 months we add 4.75% to the one-year constant maturity treasury; max APR that may be imposed is 16%). Approval typically requires a credit score of Minimum Credit Score of 660 is required or higher. Typical credit limit: LTV greater than 80%.