The TrailNorth Federal Credit Union is a auto loan from TrailNorth Federal Credit Union. The ongoing APR is APR: up to 24 months 5.99%; 36 months 6.24%; 48 months 6.49%; 60 months 6.99%; 72 months ($20,000+) 7.49%. Loan terms: Up to 72 months ($20,000+ for 72 months).