Third Federal Savings & Loan HELOC vs. LendingClub Personal Loan
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 →
LendingClub Personal Loan
LendingClub Bank
4.2
APR 8.99–36.00%. $1K–$40K. Joint applications available.
Full review →WealthSpott Verdict
Third Federal Savings & Loan HELOC wins on more measurable categories — particularly on rate and cost. LendingClub Personal Loan may still be the right fit depending on your loan amount and term needs.
Feature
Third Federal Savings
LendingClub Personal Loan
APR Range
6.49% – 7.99% Best
8.99% – 36.00%
Loan Amount
$10,000 – $200,000 Best
$1,000 – $40,000
Term Length
120–360 months
36–60 months
Origination Fee
No origination fee; $65/year annual fee Best
1–6% of loan amount
Min Credit Score
660+
600+ Best
Funding Speed
2–4 weeks
A few days
Third Federal Savings & Loan HELOC
LendingClub Personal Loan
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