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The Reservoir
Build Strength During the Strong Cycles
Trade work comes with natural cycles. When work is steady, Reservoir helps you make the most of it. This part of Solidarity Link helps members build financial stability and strengthen savings habits, creating confidence through every stage of the work cycle.
Pipeline Savings: Built for Trade Workers
Earn 2.90% APY** and Build Your Cash Reserves
The Pipeline Savings account was built for the feast-or-famine nature of trade work. It rewards disciplined saving during strong cycles, helping members prepare for what comes next.
Login to Online Banking to open a Pipeline Savings Account today.
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Before you open Pipeline Savings
What is Pipeline Savings?
Pipeline Savings is a dedicated savings account designed for members with variable work cycles. It’s meant to help you build reserves during strong work periods so you’re better prepared when work slows down.
Why are withdrawals handled through the credit union?
Pipeline Savings is built to support long‑term saving, not everyday spending. Handling withdrawals through the credit union helps keep savings intentional—while still ensuring your money is always accessible when you need it.
Why does the rate change if I don’t use direct deposit?
Pipeline Savings is designed to reward consistent saving over time. Members who use direct deposit help keep savings regular and predictable, which allows the credit union to offer a higher rate. If direct deposit isn’t a good fit right now, the account still works—just at our standard savings rate.
What if my situation changes?
Your money is always yours. If your needs change, the credit union can help you access your funds or move the balance to another account that better fits your situation.
Is this account right for everyone?
Pipeline Savings works best for members who want to plan ahead for slower work periods. If you’re looking for an everyday savings account, we can help you find a better fit.
Financial Coaching to Build Back Stronger
Saving is just part of the equation. Reservoir also connects members with financial coaching and planning tools to help navigate the ups and downs of trade work. Members can receive guidance on:
- Planning for the realities of tradework
- Managing debt and expenses during work transitions
- Building stronger savings strategies
- Preparing financially for travel opportunities
Your Strength Today Builds Stability for Tomorrow
Reservoir doesn’t just help individual members prepare for the future; it helps power the entire Solidarity Link program. When members grow their reserves with a Pipeline Savings account, they provide strength that enables United Trades to fund loans through Relief Valve.
That’s the cooperative difference: members building resilience together. When the community grows stronger during the good times, the cooperative is ready to stand with members when times get tough.
Join United Trades FCU
Eligible to join? Become a member in minutes!
Check our Join Us page for eligibility information and to complete our Membership Application.
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Frequently Asked Questions
What is the Pipeline Savings Account?
Pipeline Savings is a purpose‑built savings account for trade workers. It’s designed to help members set money aside during strong work cycles so it’s there when work slows down.
To support long‑term saving, Pipeline Savings isn’t meant for everyday spending. Withdrawals aren’t available through online or audio banking — members connect with our team directly when it’s time to access their funds. That extra step helps reinforce saving with intention, not impulse, while keeping support close at hand.
Is Reservoir only for members experiencing hardship?
No, Reservoir is for all members. The goal is to help members build financial strength during strong work cycles, so they are better prepared for the natural ups and downs of trade work.
Why was Solidarity Link created?
Trade work doesn’t always come in a steady paycheck, and we know the ups and downs can be hard to manage. Solidarity Link was created to help United Trades FCU members navigate those in‑between moments with dignity and support. As a member‑owned credit union, we’re here to put people first—offering practical financial help when you need it, and standing with you through every stage of your work cycle.
What’s the difference between Relief Valve and Reservoir?
Relief Valve provides short-term financial support to members affected by work shortages or hardship. This includes access to a Solidarity Loan (up to $5,000 at 2.90% APR* for 30 months with the first payment deferred 90 days), skip-a-pay options with no fees, loan modifications, fee refunds, travel gas cards, and case-by-case assistance. Explore all the Relief Valve offers.
Reservoir focuses on long-term stability. Through Pipeline Savings, members can build financial reserves during strong work cycles and earn up to 2.90% APY** when they meet the qualifying criteria. Financial coaching and planning tools are also available to help members prepare for future slow periods. See how Reservoir can help prepare you for the next work cycle.
Can I participate in both Reservoir and Relief Valve?
Yes. The program is designed as a cooperative system. Members can build reserves through the Reservoir during strong cycles and access the Relief Valve if they experience a qualifying hardship or work slowdown.
Who is eligible to participate in Solidarity Link?
Solidarity Link is available to United Trades FCU members. Certain Relief Valve benefits require members to complete an online form confirming they’ve been impacted by hardship.