Third Federal Savings & Loan HELOC
Lowest RateThird Federal Savings & Loan
4.6
6.49%–7.99% APR$10,000–$200,000Fee: No origination fee; $65/year annual feeMin credit: 660+
APR Range
6.49%–7.99%
Loan Amount
$10,000–$200,000
Term
120–360 mo
Origination Fee
No origination fee; $65/year annual fee
Our take
The rate champion among traditional lenders — Third Federal routinely prices HELOCs at prime minus a spread, often 1–2% lower than big banks. No origination fee; the $65 annual fee is the only meaningful cost. Availability is limited to select states, so check first before anything else.
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Full details
| Minimum loan amount | $10,000 |
| Maximum loan amount | $200,000 |
| Lowest APR | 6.49% |
| Highest APR | 7.99% |
| Shortest term | 120 months |
| Longest term | 360 months |
| Origination fee | No origination fee; $65/year annual fee |
| Minimum credit score | 660+ |
| Funding speed | 2–4 weeks |
Frequently asked questions
What is the APR range for Third Federal Savings & Loan HELOC?
Third Federal Savings & Loan HELOC offers APR from 6.49% to 7.99%. Your actual rate depends on creditworthiness, loan amount, and term length.
How much can I borrow with Third Federal Savings & Loan HELOC?
Loan amounts range from $10,000 to $200,000. The amount you qualify for depends on your income, credit score, and existing debt.
What credit score do I need for Third Federal Savings & Loan HELOC?
A minimum credit score of 660 is typically required. However, meeting the minimum doesn't guarantee approval — lenders also consider income, debt-to-income ratio, and employment history.
Does Third Federal Savings & Loan HELOC charge an origination fee?
Yes, Third Federal Savings & Loan HELOC charges an origination fee of No origination fee; $65/year annual fee. This is deducted from your loan proceeds before disbursement.
How fast can I get funded with Third Federal Savings & Loan HELOC?
Third Federal Savings & Loan HELOC typically funds loans within 2–4 weeks. Actual funding time may vary based on verification requirements and your bank.
Is Third Federal Savings & Loan HELOC worth it?
The rate champion among traditional lenders — Third Federal routinely prices HELOCs at prime minus a spread, often 1–2% lower than big banks. No origination fee; the $65 annual fee is the only meaningful cost. Availability is limited to select states, so check first before anything else.
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Verified Mar 2026
Third Federal Savings & Loan HELOC