Third Federal Savings & Loan HELOC vs. Upgrade 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.
Full review →
Upgrade Home Improvement Loan
Upgrade
4.2
APR 8.49–35.99%. $1K–$50K. Accepts lower credit.
Full review →WealthSpott Verdict
Third Federal Savings & Loan HELOC wins on more measurable categories — particularly on rate and cost. Upgrade Home Improvement Loan may still be the right fit depending on your loan amount and term needs.
Feature
Third Federal Savings
Upgrade Home Improvement
APR Range
6.49% – 7.99% Best
8.49% – 35.99%
Loan Amount
$10,000 – $200,000 Best
$1,000 – $50,000
Term Length
120–360 months
24–84 months
Origination Fee
No origination fee; $65/year annual fee Best
1.85–9.99%
Min Credit Score
660+
560+ Best
Funding Speed
2–4 weeks
1 business day
Third Federal Savings & Loan HELOC
Upgrade Home Improvement Loan
Pros
- Accepts lower credit scores
- Accepts lower credit scores
- Fast approval
- Fast approval
- Direct contractor payments
- Direct contractor payments
Cons
- Higher origination fee
- Higher origination fee
- APR can be high
- APR can be high
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