Third Federal Savings & Loan HELOC vs. Upstart Personal 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 and Upstart Personal Loan are closely matched. The right choice depends on your credit profile, desired loan amount, and how quickly you need funding.
Feature
Third Federal Savings
Upstart Personal Loan
APR Range
6.49% – 7.99%
6.40% – 35.99% Best
Loan Amount
$10,000 – $200,000 Best
$1,000 – $50,000
Term Length
120–360 months
36–60 months
Origination Fee
No origination fee; $65/year annual fee Best
0–12% of loan amount
Min Credit Score
660+
300+ Best
Funding Speed
2–4 weeks
1 business day
Third Federal Savings & Loan HELOC
Upstart Personal Loan
Pros
- Considers education and job history
- Considers education and job history
- May approve fair credit
- May approve fair credit
- Fast 1-day funding
- Fast 1-day funding
Cons
- APR can be high for some
- APR can be high for some
- Origination fee possible
- Origination fee possible
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