Third Federal Savings & Loan HELOC vs. PenFed 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.
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WealthSpott Verdict
PenFed 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
PenFed Student Loan
APR Range
6.49% – 7.99%
5.49% – 9.99% Best
Loan Amount
$10,000 – $200,000
$7,500 – $300,000 Best
Term Length
120–360 months
60–240 months
Origination Fee
No origination fee; $65/year annual fee
None
Min Credit Score
660+ Best
670+
Funding Speed
2–4 weeks
3–4 weeks
Third Federal Savings & Loan HELOC
PenFed Student Loan Refinance
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