Third Federal Savings & Loan HELOC vs. Discover Personal Loans
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 →
Discover Personal Loans
Discover Bank
4.4
APR 7.99–24.99%. $2.5K–$40K. No origination fee.
Full review →WealthSpott Verdict
Third Federal Savings & Loan HELOC wins on more measurable categories — particularly on rate and cost. Discover Personal Loans may still be the right fit depending on your loan amount and term needs.
Feature
Third Federal Savings
Discover Personal Loans
APR Range
6.49% – 7.99% Best
7.99% – 24.99%
Loan Amount
$10,000 – $200,000 Best
$2,500 – $40,000
Term Length
120–360 months
36–84 months
Origination Fee
No origination fee; $65/year annual fee
None
Min Credit Score
660+
660+
Funding Speed
2–4 weeks
Next business day
Third Federal Savings & Loan HELOC
Discover Personal Loans
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