Third Federal Savings & Loan HELOC vs. LightStream Home Improvement 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 →
LightStream Home Improvement Loan
LightStream
4.6
APR 7.99–25.99%. Up to $100K. Same-day funding.
Full review →WealthSpott Verdict
Third Federal Savings & Loan HELOC wins on more measurable categories — particularly on rate and cost. LightStream Home Improvement Loan may still be the right fit depending on your loan amount and term needs.
Feature
Third Federal Savings
LightStream Home Improvement
APR Range
6.49% – 7.99% Best
7.99% – 25.99%
Loan Amount
$10,000 – $200,000 Best
$5,000 – $100,000
Term Length
120–360 months
24–84 months
Origination Fee
No origination fee; $65/year annual fee
None
Min Credit Score
660+
660+
Funding Speed
2–4 weeks
Same day
Third Federal Savings & Loan HELOC
LightStream Home Improvement Loan
Pros
- Low rates
- Low rates
- Same-day funding
- Same-day funding
- No fees
- No fees
Cons
- Strong credit needed
- Strong credit needed
- Unsecured only
- Unsecured only
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