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Austin Telco Federal Credit Union

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Austin Telco Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Austin Telco Federal Credit Union's Auto Loan Rates are as low as 5.29%. Austin Telco Federal Credit Union's Credit Card Rates are at 9.90%. MonitorBankRates evaluates the financial stability of Austin Telco Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.81%. Rates last updated and verified on 09/23/2026.

Austin Telco 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 Austin Telco Federal Credit Union? Share your experience about Austin Telco Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Austin Telco Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.81%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Austin Telco Federal Credit Union
Shoal Creek

8929 Shoal Creek Blvd
Austin, TX 78757

https://www.atfcu.org

Austin Telco Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans	-	-	5.14%	60 Months
Details Term: 60 Months - 360 Months; As low as; Rates shown are for first-lien home equity loans, second-lien loan rates may be higher. Please call for details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Home Equity Second-Lien	5.44%	-	5.44%	5 Years Fixed
Details As low as; Rates shown are for first-lien home equity loans, second-lien loan rates may be higher. Please call for details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Home Equity Second-Lien	5.84%	-	5.84%	10 Years Fixed
Details As low as; Rates shown are for first-lien home equity loans, second-lien loan rates may be higher. Please call for details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Home Equity Second-Lien	6.14%	-	6.14%	15 Years Fixed
Details As low as; Rates shown are for first-lien home equity loans, second-lien loan rates may be higher. Please call for details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Home Equity HELOCs	6.25%	-	6.25%	5 Year
Details Term: 5 Year Draw \| 10 Year Repayment; As low as; Austin Telco pays all standard closing costs for new Home Equity/HELOC loans below $250,000. These costs include: title search, flood determination, credit report, and county filing fees. Refinances of existing Austin Telco Home Equity/HELOC loans are subject to a $300 refinance fee. If necessary, additional fees for member requested appraisal, survey, and/or title company closing costs will be the responsibility of the borrower. Estimated costs will be disclosed within three business days of receipt of a completed application. Loans of $250,000 and above may require an appraisal, title policy, and title company closing costs at the member's expense. Hazard insurance is required. All loans are subject to standard credit approval. Consult with the IRS or a tax professional concerning tax deductible in your specific situation. A 30-year term is only available for first-lien home equity loans and requires a loan minimum of $50,00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

Austin Telco Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New/Used Auto Loans	5.29%	-	5.29%	12 Months
Details Term: 12 Months - 84 Months; Rates effective as of September 1, 2026. Rates subject to change at any time. Contact Us to verify current rates. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

Austin Telco Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Cards	-	9.90%
Details As low as Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

Austin Telco Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Home Improvement Loans	-	-	7.20%	60 Months
Details Term: 60 Months - 180 Months; As low as Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Line of Credit	-	-	9.90%
Details As low as Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
New/Used Auto Loans	-	-	5.29%	12 Months
Details Term: 12 Months - 84 Months; Rates effective as of September 1, 2026. Rates subject to change at any time. Contact Us to verify current rates. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Commercial Real Estate	-	-	6.24%	5 Years Fixed
Details As low as Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

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

Austin Telco Federal Credit Union’s Texas Ratio stayed near 1.49% in Q2 2023 to 1.81% 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	$2.5B	1.81%	5.0	A+
December 31, 2025	$2.6B	2.47%	5.0	A+
September 30, 2025	$2.5B	2.11%	5.0	A+
June 30, 2025	$2.5B	2.08%	5.0	A+
March 31, 2025	$2.5B	2.10%	5.0	A+
December 31, 2024	$2.5B	3.23%	5.0	A+
September 30, 2024	$2.5B	2.69%	5.0	A+
June 30, 2024	$2.5B	2.02%	5.0	A+
March 31, 2024	$2.4B	2.12%	5.0	A+
December 31, 2023	$2.5B	2.02%	5.0	A+
September 30, 2023	$2.4B	1.69%	5.0	A+
June 30, 2023	$2.4B	1.49%	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 Austin Telco 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 Austin Telco 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 Austin Telco Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Austin Telco Federal Credit Union

Website https://www.atfcu.org

Address 8929 Shoal Creek Blvd, Austin, TX 78757

Phone 512-302-5555

Fax

President David Westlund

CEO Robert Hernandez

Full-Time Employees 233

Part-Time Employees 39

Branch Locations 24

ATM Locations 23

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.81%

Return on Assets (ROA)

0.1430%

Return on Equity (ROE)

1.0333%

Non-Performing Loans Ratio (NPL)

0.37%

Total Assets

2,546,267,549

Total Amount of Shares and Deposits

2,151,263,278

Total Shares and Deposits < 1 Year

1,837,994,192

Total Shares and Deposits 1 3 Years

302,826,154

Total Shares and Deposits > 3 Years

10,442,931

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

185,469,988

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

185,469,988

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

1,965,793,290

Total Interest Expense (Sum of items 6 8)

11,527,992

Share Certificates

10,180

Number of Accounts for Share Drafts

61,978

IRA KEOGH Accounts

3,278

Number of Accounts for Regular Shares

95,564

Non Member Deposits

111

Money Market Shares

6,292

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

3,641,032

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)

157,722,364

Total Liabilities

2,239,282,806

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Austin Telco 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Austin Telco Federal Credit Union

How many branches does Austin Telco Federal Credit Union operate?

Austin Telco 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 Austin Telco Federal Credit Union?

Yes, to access services at Austin Telco 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, Austin Telco 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, Austin Telco Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Austin Telco Federal Credit Union offer online and mobile banking?

Most modern institutions like Austin Telco 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.atfcu.org.