We will be closed on Thursday and Friday, November 22 and 23, for the Thanksgiving Holiday.

Trailhead Credit Union

Savings

Wouldn’t a giant piggy bank be amazing? Psst. There’s one right here.

Apply for Share Savings
little girl sitting on father's lap

Watch Your Money Grow

Better rates

As a member of our not-for-profit financial cooperative, you will enjoy better rates at Trailhead, compared to other financial instructions.

Insured up to $250,000

Your funds at Trailhead are insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), a division of the National Credit Union Administration (NCUA), plus an additional $250,000 by Excess Share Insurance, Inc.

Your voice at the Credit Union

Your $5 opening deposit in our Share Savings account establishes your membership and buys you a “share” in the Credit Union.

Maximize Your Savings with the Right Savings Account for You

  • Best if you want:

    Best if you want:

  • Minimum opening balance:

    Minimum opening balance:

  • Tiered rates:

    Tiered rates:

  • Annual Percentage Yield (APY) as high as:

    Annual Percentage Yield (APY) as high as:

  • Access funds with your free debit card:

    Access funds with your free debit card:

  • Subject to Federal Transaction Limitations with Regulation D:

    Subject to Federal Transaction Limitations with Regulation D:

Share Savings

  • Best if you want:

    A "share" in the Credit Union; required for membership

  • Minimum opening balance:

    $5

  • Tiered rates:

    No

  • Annual Percentage Yield (APY) as high as:

    0.05

  • Access funds with your free debit card:

    Yes

  • Subject to Federal Transaction Limitations with Regulation D:

    Yes

Kasasa Saver

  • Best if you want:

    A free, high-interest savings account tied to your Kasasa Checking account

  • Minimum opening balance:

    $5

  • Tiered rates:

    Yes

  • Annual Percentage Yield (APY) as high as:

    1.50

  • Access funds with your free debit card:

    No

  • Subject to Federal Transaction Limitations with Regulation D:

    Yes

Money Market Savings

  • Best if you want:

    Higher rates on your higher balances

  • Minimum opening balance:

    $2,500

  • Tiered rates:

    Yes

  • Annual Percentage Yield (APY) as high as:

    0.35

  • Access funds with your free debit card:

    No

  • Subject to Federal Transaction Limitations with Regulation D:

    Yes

Open an account today by calling
503.220.2592

Kasasa Saver

Easy automatic savings fueled by your free Kasasa Cash account

Kasasa Saver is a free, high-interest savings account linked to your free Kasasa Cash checking account. The 3.00%APY* you make on your checking account and ATM fee refunds are automatically deposited into your free Kasasa Saver account every month. Your Saver account also piles 1.50%APY* on top of that; so you can sit back, relax and watch your savings grow.

Monthly Qualifications

To easily grow your savings with 3.00%APY* from Kasasa Cash & 1.50%APY* from Kasasa Saver do the following each month:

  • Have at least 10 debit card purchases post and clear
  • Have at least one direct deposit or ACH automatic debit post and clear
  • Receive monthly eStatements

If you miss a month, don’t worry!

There’s no penalty for not qualifying in a given month and the accounts are still free. Plus you’ll still earn a base rate of 0.05%APY* on your checking account. This will be automatically deposited into your Saver account, which will earn a base 0.05%APY*. You can get right back to making 3.00%APY*on your free checking account, 1.50%APY* on your free saver account and enjoying ATM fee refunds the next month you qualify.

Trailhead’s community involvement supports PDX life

Learn more about Trailhead's community efforts
$9,148,000 in total support to local economy in 2016

FAQs

Regulation D is a federal regulation that limits the number of preauthorized, automatic, electronic, or telephone withdrawals or transfers from the following account types to six per month per account. It does not affect any transfers or withdrawals on these account types made in person at a branch or ATM.

  • Share Savings
  • Kasasa Saver
  • Money Market Savings
  • Certificate Accounts
  • Individual Retirement Accounts (IRA)

If you do exceed this limit within a month, your transaction may be refused or reversed, and your account may be subject to a fee or closed.

  • Transfers, withdrawals, or payments to third parties over the phone with a Member Service Representative
  • Transfers, withdrawals, or payments to third parties using Online Banking or Mobile Banking
  • Transfers, withdrawals, or payments to third parties initiated through email or fax
  • Overdraft transfers
  • Preauthorized transfers and payments including ACH debits
  • Automatic transfers between accounts

Share Savings, Money Market Savings, and Kasasa Saver are subject to transactions limits through Federal Regulation D, which limits most types of withdrawals to six per month per account.

View All

Open a Savings Account

Contact our 24-hour Member Service line to open a Share Savings, Kasasa Saver, or Money Market Savings account.

503.220.2592

Schedule an appointment at one of our branches.

Find a branch

*Kasasa Saver:  APYs accurate as of 1/1/2015. Rates may change after account is opened. Minimum to open is $25 for Kasasa Cash and $5 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 3.00%; and (3) balances over $10,000 earn 0.25% dividend rate on the portion of the balance over $10,000, resulting in 3.00% – 0.53% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.05% APY. Qualifying transactions must post to and clear Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and clear account. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. If qualifications in Kasasa Cash are met each monthly qualification cycle: (1) balances up to $10,000 in Kasasa Saver receive an APY of 1.50%; and (2) balances over $10,000 in Kasasa Saver earn 0.25% dividend rate on portion of balance over $10,000, resulting in 1.50% – 0.38% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.05% APY. Transfers between accounts do not count as qualifying transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

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