Third Federal Savings & Loan HELOC vs. SoFi Student 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
SoFi Student 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
SoFi Student Loan
APR Range
6.49% – 7.99%
4.49% – 14.70% Best
Loan Amount
$10,000 – $200,000 Best
From $1,000
Term Length
120–360 months
60–180 months
Origination Fee
No origination fee; $65/year annual fee
None
Min Credit Score
660+
650+ Best
Funding Speed
2–4 weeks
—
Third Federal Savings & Loan HELOC
SoFi Student Loan
Pros
- Competitive rates
- Competitive rates
- No fees
- No fees
- Member benefits
- Member benefits
Cons
- Requires cosigner for most
- Requires cosigner for most
- Good credit needed
- Good credit needed
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