mom hugging her two young kids

Trailhead Rewards

Rewards for your loyalty

A way we say "thanks"

Our Trailhead Rewards program is similar to an airline frequent flyer program where the more you fly on your favorite airline, the more you earn toward free air travel. With Trailhead Rewards, the more services you use at Trailhead, the more “points” you can earn. These points can be used to lower your loan rates, raise your savings rates, and pay for fees.

How do I earn Trailhead Rewards points?

  • Earn 1 point for every $1 in interest you pay on a loan.
  • Earn 1 point for every $1 in dividends you earn on a deposit account.
  • Earn 100 points for every year you’ve been a Trailhead member.

Take advantage of special offers to earn additional bonus points:

  • Earn 300 points when you refer a new member to Trailhead.
  • Earn 300 points when you buy a car through Auto Mentors.
  • Earn 100 points when you have not had any NSFs or courtesy payments for a full calendar year.
  • Earn additional bonus points when you take advantage of specially marked promotions.

What can I do with Trailhead Rewards points?

  • Get a lower loan rate: Reduce the rate on a new loan by .25% with 2,500 points or .50% with 5,000 points. Sorry, business loans, 1st lien mortgages, investment property loans, and Visa loans cannot be discounted.
  • Get a higher certificate account rate: Raise the rate on a new or renewing certificate by .25% with 2,500 points or .50% with 5,000 points. Yes, this includes Certificate IRAs and Add-on Certificates.
  • Pay a fee: Once your pot of “lifetime” points hits 1,000, you can start using them to pay fees. Just multiply the fee by 100 and that’s how many points you need to waive the fee. So, if you want to stop payment on a check (usually $28), you can waive it with 2800 points. Or, use your points to pay for a wire transfer cashier’s check.
  • Transfer Points: You can transfer your points to any other member at the Credit Union and combine your own points if you have more than one account with us.

Check Your Points

Login to the Trailhead Rewards site to see how many points you have.

View Your Points

Frequently Asked Questions

No, points can only be redeemed when opening a new loan or new certificate.

Any fee that is listed on our Fee Schedule can be paid with Trailhead Rewards points. Just multiply the fee by 100 and that is how many points you need.

When you open a new loan or certificate or order a fee-based service, just let us know you want to use points. If you are charged a fee that you would like to reverse, just call and tell us. It’s that simple.


Trailhead Rewards is a program of Trailhead Credit Union. The program is subject to change or may be withdrawn without notice. Points earned remain the property of the member for up to one year after the program’s termination unless earlier forfeited by resignation or termination of membership or default on any Credit Union loan or obligation.

Points are awarded at the end of every month and will be posted to your Trailhead Rewards account no later than the 5th business day of the next month. Points are earned on the whole dollar only; there is no “rounding up.” Loan rate buy down excludes business loans, 1st lien mortgages, and Visa cards.