Independent Third Federal HELOC review: 4.5/5 for heloc. Best for no-fee variable-rate heloc. Current APY: 7.24%.
Low variable rate HELOC with no fees from a 5-star rated thrift. Third Federal HELOC is offered by Third Federal Savings & Loan and currently holds an average rating of 4.5 out of 5 across 3,120 user reviews. It falls into the HELOC category and tends to be the strongest fit for no-fee variable-rate heloc.
Monthly fee: $0. Minimum to open: $10,000. Current APY: 7.24%. Rates and promotional offers change often, so we re-verify every listed number on a rolling schedule and stamp the review with the date of the most recent check.
For this review of Third Federal HELOC, our editors funded an account, walked through the full onboarding flow, and compared the experience to the other products in the HELOC shortlist. Scores are not influenced by affiliate relationships — partners cannot pay for better rankings, and our rubric is the same for every brand.
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