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a Portland backyard renovation funded by a Trailhead HELOC

Talk Dirt To Me.

Dig into your home’s potential with a more flexible HELOC.

Whether you are breaking ground on a backyard retreat, renovating your interior for summer hosting, or consolidating debt to free up your monthly budget, your home’s equity is your most powerful tool.

At Trailhead, we believe your home equity should work as hard as you do. Our Equity Options Line of Credit (HELOC) is designed for the way Portlanders live—offering the “small-batch” service of a local credit union with the financial power to grow your goals.

Exclusive Promotional Offers

Maximize your budget this season with two limited-time benefits, available May 1- July 31:

  • 3.99% APR1 Intro Rate: Lock in this low rate for the first six months.
  • $0 Set-Up Costs2: No application fees or closing costs to get started.

The Best of Both Worlds: Flexibility + Stability

Most HELOCs force you to choose between a variable rate and a fixed payment. Our Equity Options product gives you the freedom of a line of credit with the security of a fixed-rate loan—all in one place.

  1. The Flexibility to Draw
    Think of your line of credit as a revolving resource. Borrow only what you need, when you need it—whether that’s for a kitchen refresh, a new HVAC system for the summer heat, or tuition expenses. You only pay interest on the amount you actually use.
  2. The Stability to Lock
    Found a balance you want to keep permanent? You can “lock” all or part of your balance into a fixed rate and term. This protects you from future market changes and provides a predictable monthly payment, while keeping the remainder of your line open for future needs.

Why Choose a Trailhead HELOC?

Local matters. We’ve traded layers of bureaucracy for a common-sense approach, offering you straightforward terms and a faster path from application to “project started.”

  • Borrow up to 85% LTV: Maximize the value you’ve built in your home.
  • No Annual Fees: Keep more of your money working for you.
  • No Lock Fees: Move from variable to fixed rates at no extra cost.
  • Replenishing Funds: As you pay down your balance, your available credit grows—ready for your next big idea.

Ready to get started?

The best time to invest in your future is now. Apply today and see how deep your home’s potential really goes.

 

1APR=Annual Percentage Rate.  Introductory rate of 3.99% APR is fixed for the first six (6) months on a newly opened Equity Options Line of Credit (HELOC).
After the introductory period, the APR will adjust to a variable rate based on the Prime Rate plus or minus a margin, determined at application and based on creditworthiness and other factors. The APR will be variable and is based on the Prime Rate as published in The Wall Street Journal on the first day of the month and subject to change on the first day of the following month. As of March 1, 2026, the Prime Rate is 6.75%, and is subject to change. The APR has a floor of 3.75% and a ceiling of 18.00%.
All loans subject to credit approval. Rates, terms, and conditions may vary. Offer valid 5/1/26 to 7/31/26.

2Trailhead will pay standard set up costs up to $500 including a desktop appraisal (for primary residences only). If the line is closed within 3 years, the member will be required to reimburse those costs at the time of closing. If a full appraisal or other non-standard costs are necessary, borrower will be responsible for those charges. See credit union for complete details.