U.S. Bank Mortgage vs. Third Federal Savings & Loan HELOC
Side-by-side comparison · Updated 2026 · Independently reviewed
U.S. Bank Mortgage
U.S. Bank
4.2
Regional bank with competitive conventional and FHA rates, plus specialized programs for doctors.
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 Mortgage 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
U.S. Bank Mortgage
Third Federal Savings
APR Range
6.30% – 8.00% Best
6.49% – 7.99%
Loan Amount
$100,000 – $5,000,000 Best
$10,000 – $200,000
Term Length
120–360 months
120–360 months
Origination Fee
Varies by loan type
No origination fee; $65/year annual fee
Min Credit Score
620+ Best
660+
Funding Speed
30–45 days
2–4 weeks
U.S. Bank Mortgage
Third Federal Savings & Loan HELOC
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