Certificate Accounts
Start saving for a rainy day with a Trailhead Certificate Account.
Regular Certificate Accounts
You see money saved as a chance for fun, so start saving. You’ll earn higher dividends than with a regular savings account and your rate will be locked in for the term of the Certificate.
Add-On 12-Month Certificates
These special Certificate Accounts allow you to make additional deposits as often as you like while your savings grows.
Holiday Club Certificate Account
Open with as little as $5 and save for the holidays with this high-yield certificate that matures on November 1.
Tax Saver Certificate Account
Plan ahead for tax season with this high-yield certificate that matures on November 1.
Money Builder Certificate Account
Save money automatically each month with this 1-year certificate. Each month, your funds will be transferred through payroll deduction or automatic transfer and at the end of the year, we’ll deposit the money you saved into your savings account. At this time the money is yours to spend, save, or reinvest in another Certificate Account.
Easy Saver Certificate Account
For our savers under the age of 20, this 1-year certificate requires only a $10 minimum opening deposit and allows additional deposits all year long.
Current Rates
|
Certificate Accounts |
Balance |
Dividend Rate |
Annual Percentage Yield |
Min Opening Balance |
Dividend Compounded and Credited |
|---|---|---|---|---|---|
|
*25 Month & 35 Month Special Certificates: Annual Percentage Yield (APY) as of 6/20/23 and subject to change. Minimum deposit $10,000. Terms available are 25 or 35 months. At maturity, certificate will roll into a saving account. Early withdrawal penalties apply. At least 50% of the funds deposited into this certificate account must be new to Trailhead. |
|||||
|
6 Month Certificate |
$500 – $74,999.99 |
1.00 |
1.00 |
$500
|
Monthly |
|
$75,000 |
1.00 |
1.00 |
$500 |
Monthly |
|
|
12 Month Certificate |
$500 – $74,999.99 |
1.24 |
1.25 |
$500 |
Monthly |
|
$75,000 |
1.24 |
1.25 |
$500 |
Monthly |
|
|
18 Month Certificate |
$500 – $74,999.99 |
1.24 |
1.25 |
$500 |
Monthly |
|
$75,000 |
1.24 |
1.25 |
$500 |
Monthly |
|
|
24 Month Certificate |
$500 – $74,999.99 |
1.34 |
1.35 |
$500 |
Monthly |
|
$75,000 |
1.34 |
1.35 |
$500 |
Monthly |
|
|
36 Month Certificate |
$500 – $74,999.99 |
1.49 |
1.50 |
$500 |
Monthly |
|
$75,000 |
1.49 |
1.50 |
$500 |
Monthly |
|
|
48 Month Certificate |
$500 – $74,999.99 |
1.54 |
1.55 |
$500 |
Monthly |
|
$75,000 |
1.54 |
1.55 |
$500 |
Monthly |
|
|
60 Month Certificate |
$500 – $74,999.99 |
1.59 |
1.60 |
$500 |
Monthly |
|
$75,000 |
1.59 |
1.60 |
$500 |
Monthly |
|
|
25 Month Special Certificate* |
$10,000 |
3.93 |
4.00 |
$10,000 |
Monthly |
|
35 Month Special Certificate* |
$10,000 |
3.74 |
3.80 |
$10,000 |
Monthly |
|
Add-On Certificates |
Balance |
Dividend Rate |
Annual Percentage Yield |
Min Opening Balance |
Dividend Compounded and Credited |
|---|---|---|---|---|---|
|
Holiday Club Certificate |
up to $10,000 maximum balance |
1.00 |
1.00 |
$10.00 |
Monthly |
|
Tax Saver Certificate |
up to $10,000 maximum balance |
1.00 |
1.00 |
$10.00 |
Monthly |
|
Money Builder Certificate |
up to $10,000 maximum balance |
1.00 |
1.00 |
$10.00 |
Monthly |
|
Easy Saver Certificate |
1.00 |
1.00 |
$10.00 |
Monthly |
|
Open a Certificate Account
Contact our 24-hour Member Service line to open a Certificate Account.
Visit any of our branches:
Old Town
221 NW 2nd Ave, Ste 100 | Portland, OR 97209
Mississippi
3904 N Mississippi Ave | Portland, OR 97227
Division
3354 SE Division St | Portland, OR 97202
