father and young daughter touching foreheads

Certificate Accounts

Maximum return. Minimum Risk.

Start saving for a rainy day

Earn a high rate of return over a longer period of time and watch your savings grow.

Regular Certificate Accounts

Choose your term from 6 to 60 months

Stretch your returns with a regular Certificate Account. You’ll earn higher dividends than with a regular savings account and your rate will be locked in for the term of the Certificate. Interest is compounded monthly and accounts can be easily rolled over once they reach maturity.

Boost your rate by 0.25% or 0.50% with Trailhead Reward points.

 

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.

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/ESA 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

2.47

2.50

$500

 

Monthly

$75,000+

2.71

2.75

$500

Monthly

12 Month Certificate

$500 – $74,999.99

2.71

2.75

$500

Monthly

$75,000+

2.96

3.00

$500

Monthly

18 Month Certificate

$500 – $74,999.99

3.35

3.40

$500

Monthly

$75,000+

3.59

3.65

$500

Monthly

 24 Month Certificate

$500 – $74,999.99

3.54

3.60

$500

Monthly

$75,000+

3.78

3.85

$500

Monthly

36 Month Certificate

$500 – $74,999.99

3.15

3.20

$500

Monthly

$75,000+

3.40

3.45

$500

Monthly

48 Month Certificate

$500 – $74,999.99

3.06

3.10

$500

Monthly

$75,000+

3.30

3.35

$500

Monthly

60 Month Certificate

$500 – $74,999.99

2.96

3.00

$500

Monthly

$75,000+

3.20

3.25

$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

1.00

1.00

$10.00

Monthly

Tax Saver Certificate
(matures November 1)

Up to $10,000 maximum balance

1.00

1.00

$10.00

Monthly

Money Builder Certificate
(12-Month Term)

Up to $10,000 maximum balance

1.00

1.00

$10.00

Monthly

Easy Saver Certificate
(12-Month Term)

1.00

1.00

$10.00

Monthly

Open a Certificate Account

Use digital banking to “add an account” or contact Member Services.

Get in touch

Call: 503-220-2592

Email: info@trailheadcu.org

Send a secure message through Digital Banking.

Come on in!

Visit any of our branches:

Old Town: 221 NW 2nd Ave, Ste 100

Mississippi: 3904 N Mississippi Ave

Division: 3354 SE Division St