Navy Federal Credit Union Mortgage vs. Third Federal Savings & Loan HELOC
Side-by-side comparison · Updated 2026 · Independently reviewed
Navy Federal Credit Union Mortgage
Navy Federal Credit Union
4.7
VA mortgage specialist for military members. No PMI, 0% down available, and consistently competitive rates.
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
Navy Federal Credit Union Mortgage 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
Navy Federal Credit
Third Federal Savings
APR Range
6.10% – 7.80% Best
6.49% – 7.99%
Loan Amount
$50,000 – $2,000,000 Best
$10,000 – $200,000
Term Length
120–360 months
120–360 months
Origination Fee
No origination fee on VA loans
No origination fee; $65/year annual fee
Min Credit Score
620+ Best
660+
Funding Speed
30–45 days
2–4 weeks
Navy Federal Credit Union Mortgage
Third Federal Savings & Loan HELOC
Not sure which loan is right for you?
Browse all loans