Credit union · NCUA insured
Trailhead Credit Union CD Rates
Trailhead Credit Union’s best CD rate is 2.90% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Trailhead Credit Union’s CD rates compare
Compared with banks and credit unions near Portland, OR-WA, where Trailhead Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Trailhead Credit Union
2.90%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $144
Certificate Accounts
Top rate
Ironworkers USA Credit Union
4.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
iQ Credit Union
4.50%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000
- $260
Trailhead Credit Union CD score
65
CD score
Higher than 13% of U.S. banks and credit unions
- 3–8 months3–8 mo2.90%
- 9–15 months9–15 mo2.70%
- 16–30 months16–30 mo2.30%
- 31–60 months31–60 mo2.30%
- QualifiedQualified2.90%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Trailhead Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate Accounts
Up to 2.90%APY · 7 terms
| Term | APY · $500 – $75,000 | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsDividends compounded and credited monthly | 2.90% | 2.90% | 2.90%2.90% from $75k | $144 |
| 12 monthsDividends compounded and credited monthly | 2.70% | 2.70% | 2.70%2.70% from $75k | $270 |
| 18 monthsDividends compounded and credited monthly | 2.30% | 2.30% | 2.30%2.30% from $75k | $347 |
| 24 monthsDividends compounded and credited monthly | 2.30% | 2.30% | 2.30%2.30% from $75k | $465 |
| 36 monthsDividends compounded and credited monthly | 2.30% | 2.30% | 2.30%2.30% from $75k | $706 |
| 48 monthsDividends compounded and credited monthly | 2.30% | 2.30% | 2.30%2.30% from $75k | $952 |
| 60 monthsDividends compounded and credited monthly | 2.30% | 2.30% | 2.30%2.30% from $75k | $1,204 |
Sources (1)
- trailheadcu.org/personal-banking/certificate-accounts · captured Oct 3, 2026
Money Builder Certificate Account
2.00%APY · 1 term
Requires subsequent monthly deposits of at least $10.00 by payroll deduction or automatic transfer. Funds transfer to primary share savings account at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends compounded and credited monthly. Requires monthly transfer through payroll deduction or automatic transfer of at least $10.00 | 2.00% | $200 |
Sources (2)
All captured Oct 3, 2026
Tax Saver Certificate Account
2.00%APY
Matures November 1. Allows additional deposits. Dividends paid October 31 and funds transferred to primary share savings account on November 1.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMatures November 1. Dividends compounded and credited monthly.Any balance | 2.00% | $200 | Matures November 1. Dividends compounded and credited monthly. |
Sources (2)
All captured Oct 3, 2026
Special-purpose accounts
IRA/ESA Certificates
Up to 2.90%APY · 7 terms
Includes Traditional IRA, Roth IRA, and Coverdell Education Savings Account (ESA) Certificates sharing the regular certificate rate schedule.
| Term | APY · $500 – $75,000 | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsDividends compounded and credited monthly | 2.90% | 2.90% | 2.90%2.90% from $75k | $144 |
| 12 monthsDividends compounded and credited monthly | 2.70% | 2.70% | 2.70%2.70% from $75k | $270 |
| 18 monthsDividends compounded and credited monthly | 2.30% | 2.30% | 2.30%2.30% from $75k | $347 |
| 24 monthsDividends compounded and credited monthly | 2.30% | 2.30% | 2.30%2.30% from $75k | $465 |
| 36 monthsDividends compounded and credited monthly | 2.30% | 2.30% | 2.30%2.30% from $75k | $706 |
| 48 monthsDividends compounded and credited monthly | 2.30% | 2.30% | 2.30%2.30% from $75k | $952 |
| 60 monthsDividends compounded and credited monthly | 2.30% | 2.30% | 2.30%2.30% from $75k | $1,204 |
Sources (2)
- trailheadcu.org/personal-banking/certificate-accounts
- trailheadcu.org/personal-banking/retirement-accounts
All captured Oct 3, 2026
Easy Saver Certificate Account
2.00%APY · 1 term
Primary account owner must be under age 20 at opening. Allows additional deposits all year long. Funds transfer to primary share savings account at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFor savers under age 20. Dividends compounded and credited monthly | 2.00% | $200 |
Sources (2)
All captured Oct 3, 2026
Holiday Club Certificate Account
2.00%APY
Matures November 1. Allows additional deposits. Can be opened with as little as $5.00 ($10.00 in rate schedule). Dividends paid October 31 and funds transferred to primary share savings account on November 1.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMatures November 1. Dividends compounded and credited monthly.Any balance | 2.00% | $200 | Matures November 1. Dividends compounded and credited monthly. |
Sources (2)
All captured Oct 3, 2026
Who can join Trailhead Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- People who live, work, worship, or attend school in Multnomah County, Oregon are eligible for membership.
Family and household
- Immediate family members of current members (including spouses/domestic partners, parents/step-parents, children/step-children, siblings/step-siblings, grandparents/step-grandparents, and grandchildren/step-grandchildren) are eligible for membership.
Cost to join
- A $5 deposit in a savings account is required to become a member.
Membership information collected October 4, 2026.