The Trailhead Credit Union is a mortgage from Trailhead Credit Union. The ongoing APR is Purchase or refinance: 15 year 6.75% - 10.25% (APR 6.910% - 10.428%); 7 year balloon (30 year amortization) 7.00% - 10.50% (APR 7.310% - 10.825%). Loan terms: 15 year; 7 year balloon (30 year amortization).