Third Federal Savings & Loan HELOC vs. PenFed Auto 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.

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PenFed Auto Loan

PenFed

4.4

APR 5.99–17.99%. $500–$150K. Credit union rates.

Full review →

WealthSpott Verdict

PenFed Auto Loan 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

PenFed Auto Loan

APR Range

6.49% – 7.99%

5.99% – 17.99% Best

Loan Amount

$10,000 – $200,000 Best

$500 – $150,000

Term Length

120–360 months

36–84 months

Origination Fee

No origination fee; $65/year annual fee

None

Min Credit Score

660+

650+ Best

Funding Speed

2–4 weeks

1–2 days

Third Federal Savings & Loan HELOC

Full review

PenFed Auto Loan

Full review

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