Since its founding in 1939, Trumark Credit Union has worked to ensure its members realize their full financial potential.

"From the beginning, our focus has been on serving members, not shareholders, and building long-term financial relationships rooted in trust and transparency," Allison Golderer, vice president and consumer loan director, says. "Our mission today reflects that same commitment. ... We show up, work hard every day to earn trust, and help shape successful futures."

As a credit union that is member-owned, Trumark has a vested interest in the financial success and well-being of the people it serves. This often translates into competitive rates on loans, better fees, and personalized financial support.

"We're not focused on selling products, we're focused on solving problems," Golderer explains. "For homeowners, that means taking the time to understand their goals, explaining options clearly, and recommending solutions that truly fit their situation. Whether someone is planning a renovation now or just exploring possibilities for the future, our role is to guide them through the decision."

One of the ways to reach those goals that has been growing in popularity is with a home equity line of credit, or HELOC. With more and more homeowners deciding to update, renovate and expand their homes instead of moving somewhere new, borrowing against the equity they have already built into the home can be a smart financial decision.

What is a HELOC?
"A HELOC lets homeowners borrow against the equity they've built in their home, similar to how a credit card works, but typically with lower interest rates," Golderer says. "You're approved for a credit limit, and you can draw from it as needed, only paying on what you use."

The biggest draw of a HELOC, according to Golderer, is its flexibility. Without refinancing their mortgage or taking out a lump-sum loan, a HELOC can give homeowners access to funds to pay for home projects they may otherwise not be able to pursue.

"When used thoughtfully, it can be a smart, controlled way to invest back into your home," Golderer says.

Why use a HELOC?
Because of higher home prices and limited inventory, Trumark Credit Union is seeing an increase in the number of members looking to improve their current living situation. This could mean anything from adding a second bathroom to a home to building out a four-seasons room. It could be updating and renovating from top to bottom, or focusing on a newly designed kitchen.

While these projects can enhance comfort and functionality, Golderer points out, they also can increase the home's long-term value and curb appeal.

"Homeowners see their equity not just as a number, but as a resource they can use to adapt their home as their needs change," she says.

Trumark Credit Union members are currently using HELOCs to fund practical, high-impact projects in their home. They are also using it to improve efficiency and longevity, including with new roofs, windows and HVAC systems.

"A HELOC isn't just a line of credit, it's a way for homeowners to turn the equity they've built into confidence to improve the place they already love," Golderer says.

How do you get started?
The first step to pursuing a HELOC is to start with a conversation.

"Home equity can be a powerful tool, but it's not one-size-fits-all. Homeowners should understand how much equity they have, how they plan to use it, and how it fits into their broader financial picture," Golderer explains.

"At Trumark Credit Union, we encourage members to think strategically, borrow what you need, have a clear purpose, and work with a trusted advisor who can explain the options clearly," she continues. "Confidence comes from understanding."

It's also important to remember that the right HELOC isn't just about its rate—transparency and guidance are just as valuable. According to Golderer, a good lender should be able to clearly explain terms, fees, and repayment options—and also answer questions as they arise.

"Equally important is trust. Working with a local, member-focused institution like Trumark Credit Union means you're not just opening a line of credit, you're building a relationship with a financial partner who's invested in your success," Golderer says.

Building relationships
The most rewarding part of helping families achieve their goals, according to Golderer, is seeing confidence replace uncertainty during the process.

"For many homeowners, financial decisions can feel overwhelming. When we help someone understand their options and move forward with a plan they feel good about, that's incredibly meaningful," she says.

Trumark Credit Union doesn't focus on selling a product—the focus is on helping members understand their options and, ultimately, make a decision they will be happy about. If a home improvement project is on the horizon, a HELOC may just be the right decision.

"Homes are where life happens," Golderer says. "Knowing we played a small role in helping a family create a space that works better for them, that's what makes our work matter."

Trumark Credit Union
1 (877) 878-6275
trumark.com

Published (and copyrighted) in House & Home, Volume 26, Issue 1 (May/June 2026)
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