Figure Home Equity Line vs. U.S. Bank 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 →
U.S. Bank HELOC
U.S. Bank
4.3
Big-bank HELOC with no origination fee, high credit limits up to $750k, and a 0.5% autopay discount.
Full review →WealthSpott Verdict
Figure Home Equity Line wins on more measurable categories — particularly on rate and cost. U.S. Bank HELOC may still be the right fit depending on your loan amount and term needs.
Feature
Figure Home Equity
U.S. Bank HELOC
APR Range
7.35% – 15.54% Best
8.20% – 12.80%
Loan Amount
$15,000 – $400,000
$15,000 – $750,000 Best
Term Length
60–360 months
120–360 months
Origination Fee
0%–4.99% of draw amount (rolled into balance)
No origination fee; $90/yr after year 1
Min Credit Score
640+ Best
660+
Funding Speed
As fast as 5 business days
2–4 weeks
Figure Home Equity Line
U.S. Bank HELOC
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