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

Watch your money grow in a Trailhead savings account. You’ll benefit from better rates as a member of our not-for-profit financial cooperative.

You’ll also enjoy the peace of mind in knowing that 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.

Share Savings

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

  • Open with a minimum balance of only $5
  • Earn competitive dividends on all balances over $25.
  • Access your funds with an ATM card.

Open your membership with a Share Savings Account.

Money Market Savings

Earn higher rates with your higher balances in this insured and liquid account.

  • $2,500 minimum deposit
  • Competitive rates with tiers at $2,500, $10,000, $50,000, $100,000, and $250,000.
  • Access your funds anytime you like

Call 503.220.2592 to open your Money Market Savings account.


Know your Federal Transaction Limitations with Regulation D

Your Share Savings and Money Market Savings accounts are subject to Federal Regulation D transaction limitations. This is a regulation for all financial institutions imposed by the federal government; it is not simply a rule at Trailhead. This means that you are limited to a maximum of six of the following transactions per month from the same account:

  • 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

Be Aware

Once you hit the maximum six transfers in a month from the same savings account, additional transfers from that savings account will not be done. This may result in insufficient fund or overdraft fees, as well as us not paying the check or ACH debit.

The Good News

There are several ways to avoid Regulation D transaction limitations. The following transactions can be performed without any restriction from Regulation D:

  • Transactions performed on a checking account
  • Transactions performed at an ATM
  • Transactions performed in person at a branch (including Shared Branches)
  • Transactions performed through the mail
  • Transfers to pay loans at Trailhead
  • Telephone withdrawals in which a check is mailed directly to you and is payable to you


Regular Certificates

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.

  • Choose flexible terms ranging from 6 to 60 months
  • Raise your rate with your Trailhead Rewards 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 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 age 20, this 1-year certificate requires only a $10 minimum opening deposit and allows additional deposits all year long.

Call 503.220.2592 to open your Certificate accounts.

Individual Retirement Accounts (IRAs) allow you to save for the future with special tax advantages.

Choose a variable-rate IRA Savings account or a fixed-rate IRA Certificate.

Each IRA you have with Trailhead is insured separately up to $250,000 by the National Credit Union Administration, plus an additional $250,000 by Excess Share Insurance, Inc. That means it’s protected from market risk and certain to provide a positive return.

Choose a Traditional, Roth, or Coverdell Education IRA

Traditional IRA: A Traditional IRA offers tax-deferred earnings and the possibility for tax-deductible contributions. All earnings in the Traditional IRA are not taxed until they are withdrawn.

Roth IRA: The Roth IRA allows you to contribute (depending on your income) after-tax dollars with earnings growing tax free. You pay no taxes when you withdraw the money, provided you have had the account for at least 5 years and you’re age 59 or older. In addition, you may withdraw, without penalty, up to $10,000 for a first-time home purchase. Another Roth IRA benefit is that you don’t have to begin withdrawing money at age 70 1/2, unlike a traditional IRA.

Coverdell Education IRA: Save for a child’s higher education expenses. You can invest up to $2,000 a year per child younger than 18, depending on your income. Earnings on Education IRA contributions grow tax free. You cannot deduct contributions, but, when you withdraw funds, you pay no taxes or withdrawal penalties if they’re used for qualified higher education expenses before the beneficiary reaches age 30. Unused funds, however, may be rolled over to an Education IRA for another child.

Call 503.220.2592 to open your IRA or speak with an IRA specialist.