Figure Home Equity Line vs. Third Federal Savings & Loan HELOC
Side-by-side comparison · Updated 2026 · Independently reviewed
Figure Home Equity Line
Figure
4.8
Fully digital HELOC with funding in as little as 5 days and a fixed interest rate — no variable-rate risk.
Full review →Third Federal Savings & Loan HELOC
Third Federal Savings & Loan
4.6
Perennial rate leader for traditional HELOCs. Low variable rates, no origination fee, $65/yr annual fee.
Full review →WealthSpott Verdict
Figure Home Equity Line wins on more measurable categories — particularly on rate and cost. Third Federal Savings & Loan HELOC may still be the right fit depending on your loan amount and term needs.
Feature
Figure Home Equity
Third Federal Savings
APR Range
7.35% – 15.54%
6.49% – 7.99% Best
Loan Amount
$15,000 – $400,000 Best
$10,000 – $200,000
Term Length
60–360 months
120–360 months
Origination Fee
0%–4.99% of draw amount (rolled into balance)
No origination fee; $65/year annual fee
Min Credit Score
640+ Best
660+
Funding Speed
As fast as 5 business days
2–4 weeks
Figure Home Equity Line
Third Federal Savings & Loan HELOC
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