What Is Trailhead?
THE FINANCIAL INSTITUTION YOU CAN COUNT ON FOR
BANKING, FINANCIAL GUIDANCE, COMMUNITY INVOLVEMENT
Casual instead of corporate, and so much more.
We have earned our members’ trust by providing stellar service since 1935 through a comprehensive suite of financial products, tools and advice. Unlike a bank, as a credit union, we return profits to our customers (who we call members) through better rates and lower fees.
With free checking that pays, access on the go, and low rates on loans for everything from your Prius to your floating home, see what our credit union can do for you.
From helping you understand your credit report to helping you plan for your future, we’re here to answer your questions great and small.
We are passionate about Portland and the people who call it home. We actively provide financial support, advice, sponsorships, and scholarships to organizations and individuals who reflect PDX ideals.
Learn more about why we're better than a bank »
Service and tools for your dreams
Our reps are ready to help — call us today.
Convenient Mobile App
Pay bills, transfer funds, deposit checks, and more.
Visa Credit Cards
Choose from three member-friendly cards, all with no annual fee and reduced rates for balance transfers.
Get a loan for a new or used car.
Home Equity Options
Get more out of the equity in your home with our loan and line of credit options.
Are you eligible?
You can join Trailhead if you are:
an individual of Multnomah County, OR, or a family member of a current Trailhead member.
WHO WE SERVE
People of Multnomah County
People who live, work, worship, or attend school in Multnomah County, Oregon.
Relatives of Current Members
People who are immediate family members of current members. Immediate family members include:
- Spouse or domestic partner
- Parents or step-parents
- Children or step-children
- Brothers, sisters, or step-siblings
- Grandparents or step-grandparents
- Grandchildren or step-grandchildren
We're small enough to know better
We’re not the cookie-cutter, same-as-a-million-others place to bank. When you join Trailhead, you become part of a financial cooperative, where individuals come together to reach financial goals.
Here are a few of the benefits you get with your Trailhead membership.
A Collective of Noncomformists
Our employees and members reflect the friendly, comfortable, and occasionally quirky atmosphere Portland is known for.
30 Local Branches
As part of the Shared Branching network, you have access to your Trailhead account at other credit union branches in Portland, OR, and nationwide — with over 5,000 shared branches nationally.
Checking with Massive Dividends
With Kasasa Cash Checking, you earn cash and ATM fee refunds for using your debit card and receiving eStatements.
Auto Loans with Competitive Rates
Competitive rates with no loan or application fees with terms up to 84 months.
Money to Members
As a credit union, we return our profits to members through better rates and lower fees.
ATM Access Nationwide38,000 Fee-Free ATMs with over 5,000 Shared Branches Nationwide
38,000+ Fee-free ATMs Nationwide
We offer ATMs with no monthly service charge and no minimum balance fees across the U.S. as part of the CO-OP, Moneypass, CU24, and MAP ATM networks.
Competitive Mortgage Rates
A variety of loan options.
Help with Understanding and Building Credit
We’ll help you understand what is in your credit report and provide solutions for improving your credit score.
Financial Advice and Planning for Your Future
Get financial advice tailored to your unique financial goals.
Investment Strategy and Retirement Planning
Our partner Dean Eisenbraun of Lion Financial will work with you to identify your short- and long-term financial needs, develop a plan, and provide ongoing consultation to help you reach your dreams, be that your hippie paradise or high-end retreat.
Tools to Keep Your Budget on Track
We look for ways to help you save money with the right tools and products for managing your finances
Earn points for better rates and lower fees simply by being an active member of the credit union.
Higher Certificate Account Rates
Raise the rate on a new or renewing certificate of deposit by 0.25% with Trailhead Rewards points.
Lower Loan Rates
Reduce the rate on a new loan by 0.25% with Trailhead Rewards points.
Share Your Points
Transfer your points to any other member at the credit union.
Supporting the Community
Whether it’s sponsoring the Mississippi Street Fair or providing our annual local scholarship, we’re always looking for ways to put profits back into the local community.
Protecting Portland’s Natural Resources
Our donations to nonprofits such as the Forest Park Conservancy and the Oregon Wild help us keep PDX green.
Helping Low to Moderate Income People
By banking with Trailhead, you help us help people with low to moderate income become financially self-sufficient through our innovative lending practices, educational efforts, and small business lending.
Creating Great Jobs
We know happy employees lead to happy members. Plus, the money we put back into the community in 2022 helped create 31 jobs.
$11,400,000in total support to local economy in 2018
Your Money Supports Local Businesses
Unlike big national banks that spend their time figuring out how to send job overseas and out of state, Trailhead primarily works with local businesses and employees.
Join the organization that understands you
Open your account online.
Contact our toll-free, 24-hour Member Service line to join.
Visit any of our branches:
221 NW 2nd Ave, Ste 100 | Portland, OR 97209
3904 N Mississippi Ave | Portland, OR 97227
3354 SE Division St | Portland, OR 97202
NOTE: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver’s license and other identifying documents.
News and Offers
Check out our announcements for exclusive offers and updates.
Trailhead’s community involvement supports PDX life