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Hill District Federal Credit Union

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Hill District Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Hill District 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

Hill District Federal Credit Union's 20-Year Fixed Mortgage rates are at 5.19%, 15-Year Fixed Mortgage rates are at 5.00%, 30-Year Fixed Mortgage rates are at 5.75%. MonitorBankRates evaluates the financial stability of Hill District Federal Credit Union with a 4.3 Star Rating, an B- Overall Health Grade, and a Texas Ratio of 23.74%. Rates last updated and verified on 09/23/2026.

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

Overall Health & Safety Grade

B-

Adequate Health Score: 81/100

MonitorBankRates Rating

4.3

Excellent Out of 5.0 Stars

Texas Ratio

23.74%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Hill District Federal Credit Union
HILL DISTRICT FCU

2021 Centre Ave
Pittsburgh, PA 15219-6301

https://www.hilldistrictfcu.org

Hill District Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
20-Year Fixed Mortgage	5.19%	-	5.50%	20-Year Fixed
No additional details. Last Updated 09/21/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.74%
15-Year Fixed Mortgage	5.00%	-	5.63%	15-Year Fixed
No additional details. Last Updated 09/21/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.74%
30-Year Fixed Mortgage	5.75%	-	5.89%	30-Year Fixed
No additional details. Last Updated 09/21/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.74%

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

Hill District Federal Credit Union’s Texas Ratio rose from 18.33% in Q2 2023 to 23.74% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 4.7 to 4.3 and its Health Grade from B+ to B-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$17M	23.74%	4.3	B-
December 31, 2025	$17M	26.53%	4.0	C+
September 30, 2025	$17M	25.58%	4.1	C+
June 30, 2025	$17M	25.52%	4.1	C+
March 31, 2025	$16M	20.49%	4.5	B
December 31, 2024	$15M	18.53%	4.7	B+
September 30, 2024	$15M	16.74%	4.9	A-
June 30, 2024	$15M	18.89%	4.7	B+
March 31, 2024	$15M	14.81%	5.0	A-
December 31, 2023	$14M	19.90%	4.6	B
September 30, 2023	$15M	14.55%	5.0	A-
June 30, 2023	$14M	18.33%	4.7	B+

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 Hill District 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 Hill District 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 Hill District Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Hill District Federal Credit Union

Website https://www.hilldistrictfcu.org

Address 2021 Centre Ave, Pittsburgh, PA 15219-6301

Phone 412-281-0822

Fax 412-281-2034

President Thelina Williams

CEO Richard Witherspoon

Full-Time Employees 5

Part-Time Employees 1

Branch Locations 1

ATM Locations 0

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

Financials

MonitorBankRates Star Rating

4.3 / 5.0 ★

Overall Health & Safety Grade

B- (81/100)

Texas Ratio

23.74%

Return on Assets (ROA)

0.2071%

Return on Equity (ROE)

0.7789%

Non-Performing Loans Ratio (NPL)

25.54%

Total Assets

16,788,250

Total Amount of Shares and Deposits

12,076,524

Total Shares and Deposits < 1 Year

12,076,525

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

12,076,524

Total Interest Expense (Sum of items 6 8)

25,729

Share Certificates

Number of Accounts for Share Drafts

616

Number of Accounts for Regular Shares

4,169

Non Member Deposits

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)

7,048,430

Total Liabilities

12,344,109

Source: NCUA — Last Updated 03/31/2026

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Hill District Federal Credit Union

How many branches does Hill District Federal Credit Union operate?

Hill District 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 Hill District Federal Credit Union?

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

Does Hill District Federal Credit Union offer online and mobile banking?

Most modern institutions like Hill District 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.hilldistrictfcu.org.