U.S. Bank HELOC vs. Third Federal Savings & Loan HELOC
Side-by-side comparison · Updated 2026 · Independently reviewed
U.S. Bank HELOC
U.S. Bank
4.3
Big-bank HELOC with no origination fee, high credit limits up to $750k, and a 0.5% autopay discount.
Full review →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 →WealthSpott Verdict
U.S. Bank HELOC and Third Federal Savings & Loan HELOC are closely matched. The right choice depends on your credit profile, desired loan amount, and how quickly you need funding.
Feature
U.S. Bank HELOC
Third Federal Savings
APR Range
8.20% – 12.80%
6.49% – 7.99% Best
Loan Amount
$15,000 – $750,000 Best
$10,000 – $200,000
Term Length
120–360 months
120–360 months
Origination Fee
No origination fee; $90/yr after year 1
No origination fee; $65/year annual fee
Min Credit Score
660+
660+
Funding Speed
2–4 weeks
2–4 weeks
U.S. Bank HELOC
Third Federal Savings & Loan HELOC
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