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SBL Spread and Tier Comparison Calculator

See the current published all-in rate at each self-directed lender for your specific line size, sourced directly from each lender's own rate schedule with the observation date shown.

Quick answer: Compare published lender rate tiers for your line size, sourced directly from each lender's own current rate schedule. Enter Line of Credit Size to personalize the estimate. It returns Line Size so you can compare the impact before choosing a next step. Use it to compare payment, APR, total cost, credit impact, and lender or card tradeoffs.

SWReviewed by SwitchWize Research Desk · Last reviewed September 1, 2026

Line Size

$1,000,000

Line Size

$1,000,000

Line Size

$1,000,000

Lowest published all-in rate

4.68%

Interactive Brokers — $100,000-$1,000,000

Lender	Tier	Spread	All-in rate
Interactive Brokers	$100,000-$1,000,000	IBKR_BM + 1.00%	4.68%
Fidelity	$1,000,000-$2,999,999	SOFR + 2.35%	6.03%
Charles Schwab Bank	$1,000,000-<$2,500,000	SOFR + 2.90%	6.58%

The gap between the cheapest and most expensive published rate at $1,000,000 is 1.90%.

Wirehouse and private-bank pricing is typically negotiated per client and isn't shown here yet — this vertical only publishes a Negotiated Estimate range once it has at least 10 approved advisor submissions (currently 0). Share yours anonymously.

Each rate above was read directly from that lender's own published page on the observation date shown by its source link. Not a personalized quote.

Diagnostic

At $1,000,000, compare the published all-in rate at each self-directed lender above.

Read the SBL guide

What to do next

Read the SBL Guide

Your action plan

1
Compare the leading option against your current setup
Compare published lender rate tiers for your line size, sourced directly from each lender's own current rate schedule.
2
Check the assumptions before using the result for a high-stakes decision
Assumptions change the answer, especially when rates, taxes, or timing matter.
3
Use the linked guide or product page for the next step
Turn the result into a prioritized action instead of treating it as a one-off number.

Read the SBL Guide

This is an educational estimate, not tax, legal, investment, or lending advice. Tax rules, rates, and eligibility change and depend on your full situation. Confirm with a qualified professional or the provider before acting.

Calculator action path

Turn this result into a decision

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Rate authority hub

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Guide

Balance Transfer vs Personal Loan: Which Cuts Credit Card Debt Faster?Compare balance transfers and personal loans for credit card debt using APR, fees, payoff timeline, monthly payment, and behavior risk.

Money Map

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Alert

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Top loan rates

Reviewed Sep 2, 2026 · Methodology

Advertising disclosure: SwitchWize may earn a referral fee if you open an account through a link above. This does not affect our rankings. Ranked using the SwitchWize methodology. Learn more

Frequently Asked Questions

Everything you need to know.

Are these rates a personalized quote?

No. Each rate is read directly from that lender's own published, generally-available rate schedule as of the observation date shown, not a quote specific to your account, relationship, or collateral. Actual pricing can differ based on eligibility, relationship-based discount programs, and your specific collateral mix.

Why don't wirehouse or private-bank lenders show a published rate?

Their pricing is typically negotiated per client rather than published on a rate card, which this vertical's research confirmed directly against several of their own pages. Rather than publish an invented range, this calculator waits for a real, moderated sample of advisor-submitted data before showing an estimate for that segment.

How current is the data?

Each row shows its own observation date and a link to the lender's source page. This vertical is building toward a weekly-refreshed, content-hash-gated automated check; until that ships, treat the shown date as the last time this specific rate was manually confirmed.

Is the SBL Spread and Tier Comparison Calculator free to use?

Yes. SwitchWize calculators are free, and you do not need an account to run scenarios or view the result.

Does using the SBL Spread and Tier Comparison Calculator affect my credit score?

No. Using a calculator does not trigger a credit check. A credit impact can occur only if you apply directly with a lender, card issuer, or provider.

Are the results personalized financial advice?

No. Calculator outputs are educational estimates based on the inputs you enter. Review assumptions and confirm terms directly with providers before making a financial decision.

What should I do after seeing the result?

Use the recommendation module on this page to read the sbl guide, or run Money Map to compare this loans & credit decision with your other opportunities.

How does SwitchWize choose related offers?

Related offers are matched by the calculator surface (loans) and ranked using SwitchWize data such as rate, fees, trust signals, product fit, and switching friction. Paid relationships do not change organic ranking order.

How fresh are the rates and offers shown?

Rate and offer data is reviewed on a recurring cadence and every offer module shows review context or links to the methodology and disclosure pages.

Where can I see the ranking methodology?

The SwitchWize methodology page explains how rate freshness, editorial review, affiliate disclosure, and category ranking factors work.

Can Money Map use this result?

Yes. Money Map is the broader diagnostic path: it compares savings, mortgage, cards, and debt so you can see whether this calculator result is your highest-impact next move.

Why This Matters

Every major self-directed lender prices securities-based lending as an index rate (usually SOFR) plus a spread that narrows as line size grows, but the exact spread at each tier varies by lender and isn't something most people compare directly. This calculator pulls real, sourced published tiers rather than a single 'typical' number that hides how much lenders actually differ.