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home equity
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Home Equity With Third Federal

Opening a home equity line of credit or taking out a home equity loan is a great way to pay for the big things that can improve your family's quality of life, like college tuition, a dream vacation or starting a business. And because you’re borrowing against the value of your home, your interest rate is usually quite low. 

Home Equity Lines vs. Loans

There are two types of home equity products — home equity lines and loans. Both products use the equity you have in your home as collateral, and serve as a second mortgage. A home equity line or loan doesn’t have to be with the same lender that has your first mortgage.

Click here to Learn More

Home Equity

 
Home Equity Rates for July 17, 2019
Cuyahoga County, Ohio
All Mortgage Rates 0 Points
Product Rate APR
Home Equity Line of Credit
4.49% 4.49%
Product Rate APR
5/1 Home Equity Loan
5.49% 4.87%
Product Rate APR
10 Year Home Equity Loan
5.19% 5.19%
5 Year Home Equity Loan
5.09% 5.09%
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Rated 5 out of 5 by from Low cost Excellent service with great people and great rates
Date published: 2019-07-12
Rated 5 out of 5 by from Long time Third Federal customers highly recommend Rates and closing costs are extremely competitive. Customer service at the Civic Centre West Chester, Oh is incredible. We are long term customers of Third Federal and have always been pleased with the rates and service we have received. They are the pace car in the mortgage industry and is always a leader among financial institutions.
Date published: 2019-07-12
Rated 5 out of 5 by from Great experience Great personal service with easy on line application!
Date published: 2019-07-12
Rated 5 out of 5 by from Home equity Great and helpful services
Date published: 2019-07-12
Rated 5 out of 5 by from Great service beyond my expectations... My expectations were far exceeded. I had not applied for a mortgage et al in too many years but the service I received was overwhelming. No stress or fuss, just unexpected communication which made the process every easy and painless.
Date published: 2019-07-12
Rated 4 out of 5 by from Easy to work with and good rate Nicole was very diligent and made the process easy for me.
Date published: 2019-07-12
Rated 5 out of 5 by from Great Product, Great Service My line was up and running within 30 days -- at NO COST, and it was a very generous line. All my questions were answered promptly and courteously.
Date published: 2019-07-11
Rated 5 out of 5 by from A great experience AND a low rate I recently closed on my HELOC, and from the beginning to the end of the process was fairly smooth. One misstep on their end, but fixed without a hitch. The interest rate is excellent; between that and early payoff, I couldn't find a better deal.
Date published: 2019-07-11
Rated 5 out of 5 by from Truly excellent experience I cannot even begin to describe how smooth the experience was, to get my HELOC, from the beginning to the end. The rates are the lowest I've seen, they had no costs at all upfront or after, even for the appraisal, everything was done smoothly and easily online, it was unbelievable. I wouldn't have believed that an experience like this could exist when applying for a HELOC if I hadn't gone through it. I simply cannot recommend it highly enough. Work through them - you'll be extremely happy you did! I'm a massive, raving fan now. Hats off.
Date published: 2019-07-10
Rated 3 out of 5 by from Good rate Since closing, I haven't received a statement. Somewhat concerned about the lack of information
Date published: 2019-07-10
Rated 5 out of 5 by from Third Federal HELOC Trevor made the entire process to obtain a Home Equity Line of Credit (HELOC) from Third Federal so simple. Trevor guided us through the entire process and Alicia completed the closing (as Trevor was on a well earned vacation). We could not be happier! Trevor and Alicia are truly professionals. They exceeded our highest expectations! We sincerely appreciate everything and look forward to a long term customer relationship with Third Federal Savings & Loan.
Date published: 2019-07-09
Rated 5 out of 5 by from Quick and Easy Process Customer Service was friendly and responsive.
Date published: 2019-07-09
Rated 5 out of 5 by from A Great Experience We’ve been using Third Federal Savings & Loan for decades. They have taken care of the mortgages for our homes. We’ve had a checking account and CDs. The interest rates are always better then competitors. Everyone we deal with at Third Federal is friendly and professional. We recently obtained a new mortgage from Third Federal. We were more then pleased with the professional way we were treated. The staff is always friendly. Mr Dickey worked with us and is definitely a wonderful person to work with.
Date published: 2019-07-08
Rated 5 out of 5 by from Low rates and superb customer service. Rates are outstanding and customer service is superb.
Date published: 2019-07-08
Rated 5 out of 5 by from low rates timely and cost effective
Date published: 2019-07-08
Rated 5 out of 5 by from low rate my experience with ThirdFederal was good. Prompt service and loan closed.
Date published: 2019-07-08
Rated 2 out of 5 by from The application process was a nightmare I know I signed the application paperwork at least 3 times. Each time, the process was delayed another 2 weeks until your back office "had the signed paperwork".
Date published: 2019-07-08
Rated 5 out of 5 by from Easy process; competitive rates; flexible progr Ilona was wonderful to work with - knowledgeable; very responsive; and efficient!
Date published: 2019-07-08
Rated 5 out of 5 by from Home Equity Line of Credit Smooth transaction, low interest rate. Handled the process quickly & efficiently.
Date published: 2019-07-08
Rated 5 out of 5 by from Excellent communication and great HELOC rates Their HELOC rates were some of the best anywhere you could find. Also, they have very attractive CD rates. All communication was done online, and they were very prompt in responding.
Date published: 2019-07-08
Rated 5 out of 5 by from Excellent company to work with. We have had our mortgage with Third Federal for a couple of years now and have never had a bad experience. They are great to work with and very thorough in their approval process, which gives me piece of mind that they don't just give out a love to everyone. So when it came time for an equity loan, we went right to Third Federal. And they had the best interest rates, as always. The application process online was very simple and it is a well designed and built website.
Date published: 2019-07-08
Rated 5 out of 5 by from loan refnance service wasvery good and loan closing costs extremely low.
Date published: 2019-07-07
Rated 5 out of 5 by from Good rate, Great service The loan rate offered was a attention grabber. The efficiency of the loan process was outstanding
Date published: 2019-07-07
Rated 4 out of 5 by from Low rates, pleasant customer service, knowledge la Love the HELOC rate, and the 30 year mortgage like payback rate. I like some principal on every payment. No one can answer some basic questions, like is automatic payment established on my account to my third party bank.
Date published: 2019-07-07
Rated 3 out of 5 by from Processing of Loan Application Very disappointed in processing of application. Underwriting and Closing dept. not very efficient. My closing was assigned to title company prematurely preventing me from closing when initially scheduled with Title company.
Date published: 2019-07-07
Rated 5 out of 5 by from Home Equity Line of Credit The whole experience was pleasant and the most non-stressful of any that we have done in our 40 years of marriage. Your product is amazing. We did a lot of Saturday business to complete the process. I do want to Thank all staff involved.
Date published: 2019-07-07
Rated 4 out of 5 by from Easy process Easy to apply on line. They cam to me for closing. Good rates. This is my second HELOC with Third Federal.
Date published: 2019-07-07
Rated 2 out of 5 by from Great rates, poor communication Took really long time to finalize the loan. Communication was poor. I was left wondering several times if my loan was forgotten. I’m signed up for paperless billing. Still haven’t received an email of when my payment is due.
Date published: 2019-07-06
Rated 5 out of 5 by from low rates low cost Customer service was outstanding. Julie was quick and efficient in processing our line of credit.
Date published: 2019-07-06
Rated 5 out of 5 by from Low interest rates My financial planner recommended Third Federal due to your low interest rates. I'm in Washington State and not close geographically but it didn't make any difference.
Date published: 2019-07-05
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