Borrowing
How to refinance your auto loan and lower your payment
A few simple steps that can free up room in your monthly budget.
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Be money confident
A smarter way to pay off credit cards
- Member loans between $5,000 and $40,000
- Rates as low as 9.99% APR, demo
- Pay it off in 2 to 5 years, no penalty
Federally insured by NCUA
Real people, real support
Auto loans
Auto Loans
Buy, refinance, or lower your payment with a rate set to reward members.
- Rates from 5.24% APR, demo
- Terms from 12 to 84 months
- Decisions often the same day
Home loans
Home Loans
Buy your first home or refinance with local underwriting and no junk fees.
- Fixed and adjustable options
- First-time buyer programs
- Loans handled here, not sold off
Personal loans
Personal Loans
Consolidate debt or cover a big expense with one fixed, predictable payment.
- Rates from 8.99% APR, demo
- Borrow $1,000 to $50,000
- No prepayment penalty, ever
Credit cards
A credit card that helps you build credit, not debt
- Add it to your mobile wallet in minutes
- Track spending and set limits with a tap
- Checking your rate will not affect your credit score
“Trailhead took a pragmatic, no-pressure approach to my loan and savings. It genuinely felt like they were on my side.”
Kayla Barton · Member and small business owner
The Trailhead difference
Simple, honest money decisions
Applying is straightforward. We move quickly at each step so you can keep moving forward on your own plans.
Predictable payments
One fixed payment you can plan around, with no surprises.
A real person
Questions? Reach a Denver-based team member, not a script.
Autopay your way
Set recurring payments from your phone in the mobile app.
Easy-to-use tools
Manage everything through one clean online and mobile portal.
Fast funding
Approved loans can fund as soon as the same business day.
Fixed rates
Lock a rate that will not creep up on you later.
Established since
1953
Trusted members
58K+
We help our members build a stronger financial life, in a faster and more flexible way than ever before.
Why join
Become a member
Why members choose Trailhead
Better rates
Earnings go back to members as higher savings rates and lower loan rates, not to shareholders.
No junk fees
No monthly maintenance fees, no origination fees, and no prepayment penalties. Ever.
Same-day decisions
Most loan applications get a decision the same day, from a local team that knows the area.
Financial education
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Guides to help you save and borrow smart
Ready when you are
Join Trailhead and get ahead with your money
Membership starts with a one time $5 share deposit. Open your first account online in about ten minutes.