Reviewed by

Brian McKay

| September 16, 2026 | 6 min read

HELOC Rates Rise to 6.779% on Fed Decision Day; Home Equity Loan Rates Ease

Item: AT&T Employees Federal Credit Union
Rating: 6891
Author: nkJb

HELOC rates rose to 6.779% APR this week and home equity loan rates fell to 6.745%. The Federal Reserve announces its rate decision this afternoon; if it raises rates, borrowers with an open HELOC will most likely see an increase in their rate.

Full home equity loan and HELOC data tracked across all 50 states by MonitorBankRates.com; averages calculated from 6,879 individual rates at 1,746 banks and credit unions.

Average HELOC rates rose 0.030 points to 6.779% APR since our September 10 report, and average home equity loan rates fell 0.038 points to 6.745%. HELOC rates are quoted as the prime rate plus a percentage, and the prime rate has held at 6.75% since December. The Federal Reserve announces its rate decision this afternoon; these figures were collected before it.

Key takeaways

HELOC rates rose 0.030 points to 6.779% APR this week, and home equity loan rates fell 0.038 points to 6.745%.
HELOC rates are quoted as the prime rate plus a percentage; the prime rate has held at 6.75% since December.
The Fed announces its decision this afternoon. When it has raised its benchmark by a quarter point, banks have typically raised the prime rate by the same amount, and borrowers with an open HELOC would most likely see an increase in their rate.
A $50,000 HELOC balance at this week's average rate runs about $282 a month in interest during the draw period.

HELOCs

6.779%

▲ +0.030 since September 10

Home Equity Loans

6.745%

▼ -0.038 since September 10

Fed Decision

Today

announced this afternoon

HELOC rates rose and home equity loan rates eased

Home equity loan and HELOC rates, national average APR since early April

Average APRs from MonitorBankRates.com's nightly collection, the same series this report's figures come from, updated daily.

HELOC rates rose 0.030 points to 6.779% APR this week, after falling 0.062 points in the prior report. HELOC rates are quoted as the prime rate plus a percentage, and the prime rate has held at 6.75% since December. The rate on an open HELOC changes when the prime rate changes.

Home equity loan rates fell 0.038 points to 6.745%, slightly more than the 0.032 points they added a week ago, and the average remains inside the narrow range it has held all summer.

Choosing between a home equity loan and a HELOC

A home equity loan is borrowed as one lump sum at a fixed rate, with the same payment every month until it is paid off. A HELOC is drawn as needed, and its rate changes when the prime rate changes. Our guide to the differences between a home equity loan and a HELOC covers both in detail.

Change since September 10, by product (percentage points)

This report's averages, September 10 to September 16. Red bars rose; green bars fell.

Home equity rates this week: September 10 vs. September 16

National average home equity APRs by product, September 10 vs. September 16, 2026. Source: MonitorBankRates.com; APRs collected directly from institution websites, latest collection September 16, 2026. All rates are APR.
Product	September 10 APR	September 16 APR	Weekly Change
HELOCs ▲Variable rate; a credit line you draw as needed	6.749%	6.779%	▲ +0.030
Home Equity Loans ▼Fixed rate; borrowed as one lump sum	6.783%	6.745%	▼ -0.038
More on borrowing against your home: home equity loan vs HELOC · compare home equity rates
All APRs are national averages of what real licensed institutions are actually offering to borrowers, not promotional teaser rates or rate aggregator estimates. This comparison runs September 10 to September 16, 2026, with figures collected before the Federal Reserve's September 16 announcement. HELOC rates are variable and tied to the prime rate; home equity loan rates are fixed. Source: MonitorBankRates.com.

The answer comes this afternoon

The Federal Reserve announces its rate decision this afternoon. Its benchmark has held at 3.50% to 3.75% since December, and the prime rate has held at 6.75% over the same stretch. When the Fed has raised its benchmark by a quarter point in the past, banks have typically raised the prime rate by a quarter point as well, usually within a day. If that happens today, borrowers with an open HELOC would most likely see an increase in their rate over the following billing cycle or two. If the Fed holds, the prime rate stays at 6.75%. Home equity loan rates are fixed.

Lenders will ask about insurance before they fund

Whatever today brings, one requirement won't change: a lender approving a HELOC or home equity loan wants proof of homeowners insurance on the property for as long as money is owed, so the premium belongs in the same monthly math as any rate on this page. Our MBR Home Insurance Burden Index ranks all 50 states by how heavily those premiums weigh on homeowners, and Texas homeowners can compare carriers in our Texas homeowners insurance guide. If the borrowed money is going into the house itself, get the updated insurance quote in the same sitting.

The bottom line while the Fed meets

Going into this afternoon's announcement, HELOCs average 6.779% and home equity loans 6.745%. Borrowers comparing local offers can line up Texas home equity loan rates against these national averages. These figures average more than a thousand lenders, individual quotes vary widely, and one more quote from your own bank or credit union is worth more than anything on this page.

Compare Home Equity Rates

Data Coverage & Methodology

All APRs in this report are calculated from rates collected directly from institution websites by MonitorBankRates.com's proprietary systems, tracking what real licensed institutions are actually offering to borrowers, not promotional teaser rates or rate aggregator estimates.

As of September 16, 2026, these averages were calculated from 6,879 individual rates verified at 1,746 banks and credit unions; the latest collection ran September 16, 2026. The table below shows the institutions and rates behind each product's average.

Product	Institutions	Rates Verified
HELOCs	1,098	2,074
Home Equity Loans	760	2,641
Total (distinct institutions)	1,746	6,879

Product counts overlap because many institutions offer both a home equity loan and a HELOC; the total row counts each institution once across the full home equity universe. Product rows reflect the institutions and rates that fed each product's most recent verified nightly average.

Sources: MonitorBankRates.com proprietary rate collection, national averages as of September 16, 2026. Federal Reserve, FOMC statement and implementation note, July 29, 2026, and meeting calendar for September 15-16, 2026. Wall Street Journal prime rate, 6.75%. Analysis by Monitor Bank Rates.

This report is for general information and is not financial advice. The APR any borrower receives depends on credit profile, equity position, loan size, and lender; confirm current offers with lenders before making decisions.

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AT&T Employees Federal Credit Union

iAdvertiser Disclosure

AT&T Employees Federal Credit Union Rates & Review September 2026

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 16, 2026

AT&T Employees Federal Credit Union's Personal Loan Rates are as low as 10.00%. MonitorBankRates evaluates the financial stability of AT&T Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.73%. Rates last updated and verified on 09/16/2026.

AT&T Employees Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at AT&T Employees Federal Credit Union? Share your experience about AT&T Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use AT&T Employees Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.73%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

AT&T Employees Federal Credit Union
AT&T Empl. Pgh. PA FCU

635 Grant St
Pittsburgh, PA 15219-4404

https://www.attpghfcu.com

AT&T Employees Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity	-	-	6.25%	5 Years
Details Includes a discount for Auto-pay. All fees waived except County Recording Fee provided loan remains outstanding 36 months. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
Home Equity	-	-	6.75%	10 Years
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
Home Equity	-	-	7.75%	15 Years
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
Home Equity	-	-	8.50%	20 Years
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%

AT&T Employees Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Autos & Motorcycles	-	-	4.75%	12 - 36 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
New Autos & Motorcycles	-	-	5.00%	37 - 48 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
New Autos & Motorcycles	-	-	5.50%	49 - 60 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
Used Autos & Motorcycles	-	-	5.50%	12 - 36 Months
Details Model years 2019 - 2025 over 10K miles Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
New Autos & Motorcycles	-	-	6.00%	61 - 72 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
Used Autos & Motorcycles	-	-	6.00%	37 - 60 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
New Autos & Motorcycles	-	-	6.50%	73 - 84 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
Used Autos & Motorcycles	-	-	6.75%	61 - 72 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
Boats, Antique Autos 20+ Years Old, Quads, Dirt Bikes & Travel Trailers	-	-	7.00%	New
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
Used Autos & Motorcycles	-	-	7.25%	73 - 84 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
Boats, Antique Autos 20+ Years Old, Quads, Dirt Bikes & Travel Trailers	-	-	7.50%	Used
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
Used Autos & Motorcycles	-	-	7.50%	12 - 60 Months
Details Model years 2018 or older Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
Used Autos & Motorcycles	-	-	8.00%	61 - 72 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%

AT&T Employees Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature / Co-Maker Closed-End Loan	10.00%	12 - 48 Months
Details Includes a discount for Auto-pay Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
Signature / Co-Maker Closed-End Loan	11.00%	60 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
Signature / Co-Maker Closed-End Loan	12.00%	72 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%

AT&T Employees Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Halloween Loan	-	-	15.00%	6 - 12 Months
Details Direct Deposit with Auto-Pay Required & Maintain $100 Share Deposit - No Credit Report Required $500 - $1,500 based on Credit Union History Available: October 1st - November 30th Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

AT&T Employees Federal Credit Union’s Texas Ratio stayed near 0.46% in Q2 2023 to 0.73% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$10M	0.73%	5.0	A+
December 31, 2025	$10M	0.00%	5.0	A+
September 30, 2025	$10M	0.00%	5.0	A+
June 30, 2025	$10M	0.38%	5.0	A+
March 31, 2025	$10M	0.18%	5.0	A+
December 31, 2024	$10M	0.00%	5.0	A+
September 30, 2024	$10M	0.00%	5.0	A+
June 30, 2024	$10M	0.00%	5.0	A+
March 31, 2024	$10M	0.00%	5.0	A+
December 31, 2023	$10M	0.00%	5.0	A+
September 30, 2023	$10M	0.45%	5.0	A+
June 30, 2023	$10M	0.46%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for AT&T Employees Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather AT&T Employees Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with AT&T Employees Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name AT&T Employees Federal Credit Union

Website https://www.attpghfcu.com

Address 635 Grant St, Pittsburgh, PA 15219-4404

Phone 412-585-8782

Fax 412-227-7212

President John Zwilcher Jr.

CEO Mia Seidner

Full-Time Employees 2

Part-Time Employees 1

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.73%

Return on Assets (ROA)

0.1401%

Return on Equity (ROE)

0.4839%

Non-Performing Loans Ratio (NPL)

0.68%

Total Assets

9,909,729

Total Amount of Shares and Deposits

7,019,086

Total Shares and Deposits < 1 Year

7,013,605

Total Shares and Deposits 1 3 Years

5,481

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

271,598

Total Uninsured Shares and Deposits > $250K (F+J)

271,598

Total Insured Shares and Deposits > $250K (item 17 less item K)

6,747,488

Total Interest Expense (Sum of items 6 8)

23,450

Share Certificates

Number of Accounts for Share Drafts

218

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,012

Net Income (unless the amount is already included in Undivided Earnings)

13,882

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

689,743

Total Liabilities

7,041,600

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

AT&T Employees Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

nkJb

★★★★★

December 17, 2025

UZdF

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Want to discuss AT&T Employees Federal Credit Union with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.

Average Rating

★★★★★

Total Reviews

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Frequently Asked Questions About AT&T Employees Federal Credit Union

How many branches does AT&T Employees Federal Credit Union operate?

AT&T Employees Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join AT&T Employees Federal Credit Union?

Yes, to access services at AT&T Employees Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, AT&T Employees Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, AT&T Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does AT&T Employees Federal Credit Union offer online and mobile banking?

Most modern institutions like AT&T Employees Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.attpghfcu.com.

Compare to Other Credit Unions

Brian McKay

HELOC Rates Rise to 6.779% on Fed Decision Day; Home Equity Loan Rates Ease

Key takeaways

HELOC rates rose and home equity loan rates eased

Choosing between a home equity loan and a HELOC

Home equity rates this week: September 10 vs. September 16

The answer comes this afternoon

Lenders will ask about insurance before they fund

The bottom line while the Fed meets

Data Coverage & Methodology

AT&T Employees Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

AT&T Employees Federal Credit Union Texas Ratio

AT&T Employees Federal Credit Union Health Trend

AT&T Employees Federal Credit Union Home Equity & HELOC

AT&T Employees Federal Credit Union Auto Loan Rates

AT&T Employees Federal Credit Union Personal Loan Rates

AT&T Employees Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

AT&T Employees Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About AT&T Employees Federal Credit Union

How many branches does AT&T Employees Federal Credit Union operate?

Is a member application needed to join AT&T Employees Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does AT&T Employees Federal Credit Union offer online and mobile banking?

Compare to Other Credit Unions