Home equity line of credit (HELOC) · United States

FourLeaf Federal Credit Union alternatives, ranked by cost at sale

1 of the 8 other HELOC products we can compute work out cheaper than FourLeaf Federal Credit Union, which costs $35,000 on $50,000 sold in year 10.

The lowest is U.S. Bank at $30,425, $4,575 less on the same home.

The group, by cost at sale

Every product in the same category that publishes enough to compute, in cost order.

Every HELOC we can compute, ordered by total cost at a sale in year 10 on $50,000 from a $500,000 home. Ordering is that number and nothing else — see Method. checked 2026-09-29
Provider	Published headline	Upfront fees	Cost, year 3	Cost, year 10	Annualized
FourLeaf Federal Credit Union (this page)	7%	$0	$10,500	$35,000	7.2%
U.S. Bank	5.95%	$0	$9,075	$30,425	6.2%
Third Federal Savings & Loan	6.49%	$0	$10,560	$35,200	7.3%
Alliant Credit Union	7%	$0	$10,600	$35,450	7.3%
Truist	7.25%	$0	$11,025	$36,750	7.6%
Regions Bank	7.5%	$0	$11,250	$37,500	7.8%
Navy Federal Credit Union	8%	$0	$12,000	$40,000	8.3%
Connexus Credit Union	8.01%	$175	$12,190	$40,225	8.4%
Lower	8.75%	$0	$13,125	$43,750	9.1%

Scroll sideways on a phone.

How that is worked out

home value today = $500,000; cash taken = $50,000 (10% of value) home value in year N = $500,000 x 1.03^N (3% a year, every product) HEI, share of value = multiplier x 10% x home value in year N HEI, principal + share = $50,000 + share x (value in year N - adjusted starting value) HEI cap = $50,000 x (1 + cap/12)^(12N) where the provider publishes a cap HELOC illustration = interest-only using the lowest published APR as a rate proxy, then amortized home equity loan example = amortized using the lowest published APR as a rate proxy total cost at sale (N) = payments made + balance or payoff owed at sale - $50,000 + upfront fees annualized cost = the yearly rate that turns the cash received into everything paid back

Every rate is the lowest the provider publishes, so where a page says “as low as” the figure is an illustrative starting scenario. An “up to” fee is modeled at its stated maximum; the actual fee may be lower. APR is used as a proxy for the payment rate when no separate note rate is published. Variable rates are held flat. Eligibility, unpublished charges, taxes and insurance are excluded. These figures are neither quotes nor guaranteed lower bounds. Read the method.

When to stay where you are

Conditions under which the table above should not move you.

A lower figure here is not a reason on its own. Whether a provider would approve you, and for how much, is not on any published page.
Do not decide yet without your own numbers: the order is for a $500,000 home and $50,000 of cash — put yours in before reading this as a ranking.

Who this is not for

This is a cost ranking, not a shortlist of better products. We have not used any of these providers. If your question is who will approve you fastest, the order on this page tells you nothing about that.

Sources

FourLeaf Federal Credit Union terms page. checked 2026-09-29
U.S. Bank terms page. checked 2026-09-29
Third Federal Savings & Loan terms page. checked 2026-09-29
Alliant Credit Union terms page. checked 2026-09-29
Truist terms page. checked 2026-09-29
Regions Bank terms page. checked 2026-09-29
Navy Federal Credit Union terms page. checked 2026-09-29
Connexus Credit Union terms page. checked 2026-09-29
Lower terms page. checked 2026-09-29

Written by Kaz (pen name). Figures are copied from providers' published pages on the dates shown. We have not used these products. Corrections: contact form.