Holiday closures: Monday, December 24 after 2:00 PM; Tuesday, December 25; Tuesday, January 1

Certificate Accounts

You see money saved as a chance for fun.

dad and daughter baking

Regular Certificate Accounts

Save for a rainy day with a Certificate Account from Trailhead. 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 & IRA Certificates

Certificate Accounts

Balance

Dividend Rate

Annual Percentage Yield

Min Opening Balance

Dividend Compounded and Credited

Truth in Savings Disclosures

6 Month Certificate

$500 – $74,999.99

0.20

0.20

$500

 

Monthly

$75,000 +

0.20

0.20

$500

Monthly

12 Month Certificate

$500 – $74,999.99

0.25

0.25

$500

Monthly

$75,000 +

0.25

0.25

$500

Monthly

18 Month Certificate

$500 – $74,999.99

0.30

0.30

$500

Monthly

$75,000 +

0.30

0.30

$500

Monthly

 24 Month Certificate

$500 – $74,999.99

0.50

0.50

$500

Monthly

$75,000 +

0.50

0.50

$500

Monthly

36 Month Certificate

$500 – $74,999.99

0.80

0.80

$500

Monthly

$75,000 +

0.80

0.80

$500

Monthly

48 Month Certificate

$500 – $74,999.99

0.85

0.85

$500

Monthly

$75,000 +

0.85

0.85

$500

Monthly

60 Month Certificate

$500 – $74,999.99

1.00

1.00

$500

Monthly

$75,000 +

1.00

1.00

$500

Monthly

Add-On Certificate Rates

Add-On Certificates

Balance

Dividend Rate

Annual Percentage Yield

Min Opening Balance

Dividend Compounded and Credited

Truth in Savings Disclosures

Holiday Club Certificate
(matures November 1)

up to $10,000 maximum balance

0.15

0.15

$10.00

Monthly

Tax Saver Certificate
(matures November 1)

up to $10,000 maximum balance

0.15

0.15

$10.00

Monthly

Money Builder Certificate
(12-Month Term)

up to $10,000 maximum balance

0.15

0.15

$10.00

Monthly

Easy Saver Certificate
(12-Month Term)

0.15

0.15

$10.00

Monthly

Open a Certificate Account

Contact our 24-hour Member Service line to open a Certificate Account.

503.220.2592

Schedule an appointment at one of our branches.

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