Third Federal Savings & Loan HELOC vs. Bank of America HELOC
Side-by-side comparison · Updated 2026 · Independently reviewed
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 →
Bank of America HELOC
Bank of America
4.1
No closing costs, no annual fee HELOC with Preferred Rewards discounts for existing BofA customers.
Full review →WealthSpott Verdict
Third Federal Savings & Loan HELOC wins on more measurable categories — particularly on rate and cost. Bank of America HELOC may still be the right fit depending on your loan amount and term needs.
Feature
Third Federal Savings
Bank of America
APR Range
6.49% – 7.99% Best
8.60% – 14.40%
Loan Amount
$10,000 – $200,000
$25,000 – $1,000,000 Best
Term Length
120–360 months
120–240 months
Origination Fee
No origination fee; $65/year annual fee
No closing costs; no annual fee
Min Credit Score
660+ Best
680+
Funding Speed
2–4 weeks
2–4 weeks
Third Federal Savings & Loan HELOC
Bank of America HELOC
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