Third Federal Savings & Loan HELOC vs. LightStream 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 →
WealthSpott Verdict
Third Federal Savings & Loan HELOC wins on more measurable categories — particularly on rate and cost. LightStream Personal Loan may still be the right fit depending on your loan amount and term needs.
Feature
Third Federal Savings
LightStream Personal Loan
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 Personal Loan
Pros
- Low APR for qualified borrowers
- Low APR for qualified borrowers
- Same-day funding
- Same-day funding
- No fees
- No fees
Cons
- Higher credit required
- Higher credit required
- No prequalification
- No prequalification
Not sure which loan is right for you?
Browse all loans