Trailhead Federal Credit Union

Headquarters: Portland, Oregon
Charter: Credit Union
Assets: $156.0M
Fed district: San Francisco

10 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 21, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Trailhead Federal Credit Union: $30
Trailhead Federal Credit Union: $30
U.S. median: no median
Minimum Balance
Investor Checking
Trailhead Federal Credit Union: $6
Trailhead Federal Credit Union: $6
U.S. median: no median
Deposited Item Return
Trailhead Federal Credit Union: $45
Trailhead Federal Credit Union: $45
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 21, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Oregon, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Oregon: Banks and credit unions headquartered in Oregon that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Trailhead Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Investor Checking (per month if average daily balance falls below $2500)$6
per month
Dormant Account Fee – Per Month (no activity for 18 months)$5
per month
Inactive Checking Account Fee – Per Month (no activity for 90 days)$5
per month

Overdraft & NSF

Courtesy Pay Fee$30

ATM & Card

Card Express Shipping$35
Foreign Transaction Fee1%of the transaction
Foreign Transaction Fee (audience not stated, treated as personal)1%of the transaction
Foreign Transaction Fee1%of the transaction

Check Services

Temporary Checks (first 8 free)$2
per item
Municipal Bond Collection Fee$60

Cash & Deposit

Bond/Coupon Returned Item Fee$45

Account Services

Notary Service for Non-members$5
Subordination Fee$150

Other Fees

Real Estate Payoff Quote$30

Fee	Amount	Basis	Note
Account Maintenance
Investor Checking (per month if average daily balance falls below $2500)	$6	per month	None
Dormant Account Fee – Per Month (no activity for 18 months)	$5	per month	None
Inactive Checking Account Fee – Per Month (no activity for 90 days)	$5	per month	None
Overdraft & NSF
Courtesy Pay Fee	$30	Not stated	None
ATM & Card
Card Express Shipping	$35	Not stated	None
Foreign Transaction Fee	1%of the transaction	Not stated	None
Foreign Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Foreign Transaction Fee	1%of the transaction	Not stated	None
Check Services
Temporary Checks (first 8 free)	$2	per item	None
Municipal Bond Collection Fee	$60	Not stated	None
Cash & Deposit
Bond/Coupon Returned Item Fee	$45	Not stated	None
Account Services
Notary Service for Non-members	$5	Not stated	None
Subordination Fee	$150	Not stated	None
Other Fees
Real Estate Payoff Quote	$30	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Investor Checking (per month if average daily balance falls below $2500)$6
per month
Dormant Account Fee – Per Month (no activity for 18 months)$5
per month
Inactive Checking Account Fee – Per Month (no activity for 90 days)$5
per month
Bad Address on Statement (per statement)$5
Not compared: Charged per statement; comparison unavailable
per statement · Bad Address on Statement (per statement) | $5.00

Overdraft & NSF

Courtesy Pay Fee$30
NSF Second-Party Check$25
Overdraft Protection Transfer$5

ATM & Card

Replacement Card (ATM/Debit/Credit)$7
Card Express Shipping$35
Foreign Transaction Fee1%of the transaction

Wire Transfers

Wire Transfers (outgoing domestic)$20
Wire Transfers (incoming)$10
Wire Transfers (outgoing international)$40

Check Services

Cashier’s Check$5
Foreign Bank Drafts (US dollars)$20
Stop Payment Order$28
Temporary Checks (first 8 free)$2
per item
Collection Items$40
Municipal Bond Collection Fee$60

Cash & Deposit

Bond/Coupon Returned Item Fee$45

Account Services

Notary Service for Non-members$5
IRS Levy/Garnishments$50
Subordination Fee$150

Other Fees

Duplicate Member Statement / Inquiry Printout$4
per item
Real Estate Payoff Quote$30

Fee	Amount	Basis	Note
Account Maintenance
Investor Checking (per month if average daily balance falls below $2500)	$6	per month	None
Dormant Account Fee – Per Month (no activity for 18 months)	$5	per month	None
Inactive Checking Account Fee – Per Month (no activity for 90 days)	$5	per month	None
Bad Address on Statement (per statement)	$5Not compared: Charged per statement; comparison unavailable	per statement	Bad Address on Statement (per statement) \| $5.00
Overdraft & NSF
Courtesy Pay Fee	$30	Not stated	None
NSF Second-Party Check	$25	Not stated	None
Overdraft Protection Transfer	$5	Not stated	None
ATM & Card
Replacement Card (ATM/Debit/Credit)	$7	Not stated	None
Card Express Shipping	$35	Not stated	None
Foreign Transaction Fee	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfers (outgoing domestic)	$20	Not stated	None
Wire Transfers (incoming)	$10	Not stated	None
Wire Transfers (outgoing international)	$40	Not stated	None
Check Services
Cashier’s Check	$5	Not stated	None
Foreign Bank Drafts (US dollars)	$20	Not stated	None
Stop Payment Order	$28	Not stated	None
Temporary Checks (first 8 free)	$2	per item	None
Collection Items	$40	Not stated	None
Municipal Bond Collection Fee	$60	Not stated	None
Cash & Deposit
Bond/Coupon Returned Item Fee	$45	Not stated	None
Account Services
Notary Service for Non-members	$5	Not stated	None
IRS Levy/Garnishments	$50	Not stated	None
Subordination Fee	$150	Not stated	None
Other Fees
Duplicate Member Statement / Inquiry Printout	$4	per item	None
Real Estate Payoff Quote	$30	Not stated	None

Correct a fee source

Oct 21, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Trailhead Federal Credit Union: $30
Trailhead Federal Credit Union: $30
U.S. median: no median
Minimum Balance
Investor Checking
Trailhead Federal Credit Union: $6
Trailhead Federal Credit Union: $6
U.S. median: no median
Deposited Item Return
Trailhead Federal Credit Union: $45
Trailhead Federal Credit Union: $45
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 21, 2026View sources

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Oregon: Banks and credit unions headquartered in Oregon that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Published fee schedule

Amounts from Trailhead Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Investor Checking (per month if average daily balance falls below $2500)$6
per month
Dormant Account Fee – Per Month (no activity for 18 months)$5
per month
Inactive Checking Account Fee – Per Month (no activity for 90 days)$5
per month

Overdraft & NSF

Courtesy Pay Fee$30

ATM & Card

Card Express Shipping$35
Foreign Transaction Fee1%of the transaction
Foreign Transaction Fee (audience not stated, treated as personal)1%of the transaction
Foreign Transaction Fee1%of the transaction

Check Services

Temporary Checks (first 8 free)$2
per item
Municipal Bond Collection Fee$60

Cash & Deposit

Bond/Coupon Returned Item Fee$45

Account Services

Notary Service for Non-members$5
Subordination Fee$150

Other Fees

Real Estate Payoff Quote$30

Fee	Amount	Basis	Note
Account Maintenance
Investor Checking (per month if average daily balance falls below $2500)	$6	per month	None
Dormant Account Fee – Per Month (no activity for 18 months)	$5	per month	None
Inactive Checking Account Fee – Per Month (no activity for 90 days)	$5	per month	None
Overdraft & NSF
Courtesy Pay Fee	$30	Not stated	None
ATM & Card
Card Express Shipping	$35	Not stated	None
Foreign Transaction Fee	1%of the transaction	Not stated	None
Foreign Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Foreign Transaction Fee	1%of the transaction	Not stated	None
Check Services
Temporary Checks (first 8 free)	$2	per item	None
Municipal Bond Collection Fee	$60	Not stated	None
Cash & Deposit
Bond/Coupon Returned Item Fee	$45	Not stated	None
Account Services
Notary Service for Non-members	$5	Not stated	None
Subordination Fee	$150	Not stated	None
Other Fees
Real Estate Payoff Quote	$30	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Investor Checking (per month if average daily balance falls below $2500)$6
per month
Dormant Account Fee – Per Month (no activity for 18 months)$5
per month
Inactive Checking Account Fee – Per Month (no activity for 90 days)$5
per month
Bad Address on Statement (per statement)$5
Not compared: Charged per statement; comparison unavailable
per statement · Bad Address on Statement (per statement) | $5.00

Overdraft & NSF

Courtesy Pay Fee$30
NSF Second-Party Check$25
Overdraft Protection Transfer$5

ATM & Card

Replacement Card (ATM/Debit/Credit)$7
Card Express Shipping$35
Foreign Transaction Fee1%of the transaction

Wire Transfers

Wire Transfers (outgoing domestic)$20
Wire Transfers (incoming)$10
Wire Transfers (outgoing international)$40

Check Services

Cashier’s Check$5
Foreign Bank Drafts (US dollars)$20
Stop Payment Order$28
Temporary Checks (first 8 free)$2
per item
Collection Items$40
Municipal Bond Collection Fee$60

Cash & Deposit

Bond/Coupon Returned Item Fee$45

Account Services

Notary Service for Non-members$5
IRS Levy/Garnishments$50
Subordination Fee$150

Other Fees

Duplicate Member Statement / Inquiry Printout$4
per item
Real Estate Payoff Quote$30

Fee	Amount	Basis	Note
Account Maintenance
Investor Checking (per month if average daily balance falls below $2500)	$6	per month	None
Dormant Account Fee – Per Month (no activity for 18 months)	$5	per month	None
Inactive Checking Account Fee – Per Month (no activity for 90 days)	$5	per month	None
Bad Address on Statement (per statement)	$5Not compared: Charged per statement; comparison unavailable	per statement	Bad Address on Statement (per statement) \| $5.00
Overdraft & NSF
Courtesy Pay Fee	$30	Not stated	None
NSF Second-Party Check	$25	Not stated	None
Overdraft Protection Transfer	$5	Not stated	None
ATM & Card
Replacement Card (ATM/Debit/Credit)	$7	Not stated	None
Card Express Shipping	$35	Not stated	None
Foreign Transaction Fee	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfers (outgoing domestic)	$20	Not stated	None
Wire Transfers (incoming)	$10	Not stated	None
Wire Transfers (outgoing international)	$40	Not stated	None
Check Services
Cashier’s Check	$5	Not stated	None
Foreign Bank Drafts (US dollars)	$20	Not stated	None
Stop Payment Order	$28	Not stated	None
Temporary Checks (first 8 free)	$2	per item	None
Collection Items	$40	Not stated	None
Municipal Bond Collection Fee	$60	Not stated	None
Cash & Deposit
Bond/Coupon Returned Item Fee	$45	Not stated	None
Account Services
Notary Service for Non-members	$5	Not stated	None
IRS Levy/Garnishments	$50	Not stated	None
Subordination Fee	$150	Not stated	None
Other Fees
Duplicate Member Statement / Inquiry Printout	$4	per item	None
Real Estate Payoff Quote	$30	Not stated	None

Correct a fee source

Oct 21, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.