Third Federal Savings & Loan HELOC vs. SoFi 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.
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WealthSpott Verdict
Third Federal Savings & Loan HELOC wins on more measurable categories — particularly on rate and cost. SoFi Home Improvement Loan may still be the right fit depending on your loan amount and term needs.
Feature
Third Federal Savings
SoFi Home Improvement
APR Range
6.49% – 7.99% Best
8.99% – 25.81%
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+ Best
680+
Funding Speed
2–4 weeks
Same day to a few days
Third Federal Savings & Loan HELOC
SoFi Home Improvement Loan
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