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As the season of renewal begins, it’s the perfect time to refresh your home, finances, and future plans. Whether you’re dreaming of a major home renovation, consolidating high-interest debt, or funding an important life event, a Home Equity Line of Credit (HELOC) from Trademark Federal Credit Union gives you the flexibility to borrow when you need it – with rates as low as Prime minus 1.00%*.

A Smarter, More Affordable HELOC

We’ve restructured our HELOC to provide even greater value and affordability, ensuring you get the most out of your home’s equity. This flexible financial tool isn’t just for big-ticket expenses – it can be used for everyday needs, giving you financial peace of mind for whatever life throws your way. Whether it’s covering unexpected repairs, helping with seasonal expenses, or even funding small home upgrades, our HELOC is designed to work for you.

What is a HELOC and How Does it Work?

A HELOC is a revolving line of credit that allows you to borrow against the equity in your home, similar to a credit card – but with much lower interest rates. Instead of receiving a lump sum, you can borrow what you need, when you need it, up to your approved limit.

Flexible Access to Funds – Use what you need and only pay interest on what you borrow.

Lower Interest Rates –  HELOC rates are typically lower than personal loans and credit cards, making it a cost-effective borrowing option.

Revolving Credit Line – As you repay what you borrow, those funds become available to use again during your draw period.

Smart Ways to Use a HELOC This Spring

Home Improvements & Repairs – Give your home a fresh update with a kitchen remodel, a new roof, or an outdoor patio to enjoy all season long.

Debt Consolidation – Roll high-interest credit card debt into a lower-rate HELOC to simplify payments and save on interest.

Emergency Fund Backup – A HELOC provides peace of mind, offering financial flexibility for unexpected expenses.

Tuition & Education Costs – Invest in the future with funds for college tuition, trade school, or certification programs.

Big Purchases & Life Events – Whether it’s a wedding, vacation, or new vehicle, a HELOC can help make it happen affordably.

Tips for Making the Most of Your HELOC

Borrow Responsibly – Only withdraw what you need and have a plan to repay it.

Know Your Draw & Repayment Periods – Understand how long you can borrow and when full repayments begin.

Use It to Build Value – Consider using your HELOC for projects that increase your home’s worth or improve your financial position.

This spring, let’s make your home equity work for you! With rates as low as Prime minus 1.00% APR*, Trademark is here to help you unlock new possibilities.

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*Rates effective as of October 1, 2024, and are subject to change. Individual loan rates may vary based on creditworthiness, account relationships and loan-to-value terms. APR = Annual Percentage Rate. PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE: We will determine the periodic rate and the corresponding annual percentage rate as follows. We start with an independent index (the “Index”), which is the Wall Street Journal Prime Rate. When a range of rates has been published, the highest rate will be used. We will use the most recent index value available to us as of 45 days before the date of any annual percentage rate adjustment. To determine the periodic rate that will apply to your account, we add a margin, as disclosed above, to the value of the index. If the rate is not already rounded, we then round up to the next .25%. Then we divide this sum by the number of days in a year (365). This result is the annual percentage rate. The annual percentage rate can change on the first day of each month. There is no limit on the amount by which the annual percentage rate can change during any one-year period. The maximum ANNUAL PERCENTAGE RATE that can be applied is 18% or the maximum permitted.