transformers are not a regulated voltage so you could expect as high as 26vac on the 20vac winding,your circuit that smoothes and regulates the voltage to dc should stop any dangerous overvoltage from occuring
It is very common for transformers to read much higher voltages when there's no load connected to it!
Of course, the quality, accuracy, and features of your particular volt meter will affect what you read coming out of the transforrmer too. If you have a digital voltmeter, you need one that reads "True RMS" ac voltages.
Thats what I figured... I brought it to work and used a Fluke 77... along with a digital o-scope ... Everything looks pretty good...even w/o load.
For +5 I'm reading +4.92
For -5 I'm reading - 5.00
For +12reg I'm reading + 11.8
For -12unreg I'm reading -14 ish
For +12unreg I'm reading 14 ish
For 6.3VAC I get 7.2 ish
For 27VDC unreg I get 36 ish
Its been a while since I've picked up these tools... I'm a software engineer by day... The hardware people in the lab are wigging out... everyday @ lunch I'm either re-working boards or like today... got all kinds of equip out and testing out the PS...
Thanks for the help.