Third Federal Home Equity Loan (fixed-rate HELOAN, 5 to 30 year terms; 5/1 adjustable option)
What Third Federal Savings and Loan publishes: "5 Year Home Equity Loan 6.690% Rate 6.690% APR; 10 Year Home Equity Loan 6.790% Rate 6.790% APR; 15 Year Home Equity Loan 6.890% Rate 6.890% APR; 20 Year Home Equity Loan 6.990% Rate 6.990% APR; 30 Year Home Equity Loan 7.290% Rate 7.290% APR; 5/1 Adjustable Equity Loan 6.690% Rate 6.726% APR"
Fixed APR by term (Franklin County, OH, effective September 3, 2026): 5yr 6.690%, 10yr 6.790%, 15yr 6.890%, 20yr 6.990%, 30yr 7.290%. 5/1 adjustable 6.690% rate / 6.726% APR (initial rate, then resets annually to WSJ Prime-based rate). Rates page has a state/county selector, so APR may differ by location. 'Fixed rate HELOANs are available in terms from five-years to 30-years.'
The rate you are offered is set by Third Federal Savings and Loan after you apply on its site. It depends on your credit history, income, loan amount and term, and may be higher than the lowest rate shown here.
| Loan amount | See lender |
| Term | 60 to 360 months |
| Rate type | both |
| Funding speed | See lender |
| Origination fee | 0% ('With a Third Federal Home equity loan, there are no closing costs, prepayment penalties or annual fees.') |
| Prepayment penalty | No |
| Late fee | Not stated |
| Minimum credit score | Not disclosed |
| States | AZ, CA, CO, CT, DC, FL, GA, IL, IN, KS, KY, MA, MD, MI, MO, NC, NH, NJ, NY, OH, OR, PA, SC, TN, VA, WA |
| Membership | Not required |
- Origination fee 0% ('With a Third Federal Home equity loan, there are no closing costs, prepayment penalties or annual fees.')
- No prepayment penalty
| Legal name | Third Federal Savings and Loan Association of Cleveland |
| Type | Bank |
| Website | https://www.thirdfederal.com |
Other Third Federal Savings and Loan offers on Banrox: Third Federal Home Equity Line of Credit (HELOC, variable rate, 10-year draw / 30-year total).
Third-party lenders
Loan offers are provided by third-party lenders. Banrox is a technology company and is not a lender. Banrox does not take loan applications, make credit decisions or fund loans.
Compensation
Banrox may receive compensation from some lenders when you click or apply through links on this page. Compensation does not affect the rates shown, which are taken from each lender's public website as of the date displayed.
Rates and estimates
Rates, amounts, terms and fees are shown as published on the lender's website on the date marked above and may change without notice. The payment estimate uses the lowest APR the lender publishes and excludes origination and other fees; the lender's own disclosure governs. Nothing on this page is an offer, a rate quote or a commitment to lend.
