Third Federal Savings & Loan HELOC vs. Earnest Student Loan Refinance
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 →WealthSpott Verdict
Earnest Student Loan Refinance 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
Third Federal Savings
Earnest Student Loan
APR Range
6.49% – 7.99%
4.96% – 9.99% Best
Loan Amount
$10,000 – $200,000
$5,000 – $500,000 Best
Term Length
120–360 months
60–240 months
Origination Fee
No origination fee; $65/year annual fee
None
Min Credit Score
660+
650+ Best
Funding Speed
2–4 weeks
2–3 weeks
Third Federal Savings & Loan HELOC
Earnest Student Loan Refinance
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