--- title: "Concho Educators Credit Union Rates (Nov 2026): Mortgage 6.68%" description: "Concho Educators Credit Union rates today: 30 year fixed mortgage 6.68% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Concho Educators Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/concho-educators" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Concho Educators Credit Union Rates (Nov 2026): Mortgage 6.68% ### Mortgage rates 2 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 6.678% APR | 6.500% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.481% APR | 6.250% | — | Standard | Concho Educators Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Concho Educators Credit Union offers a 30-year fixed mortgage at 6.678% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/concho-educators) , verified from [Concho Educators Credit Union's official website](https://conchoeducators.org/) Best product position **Better than the Texas median** 30-year fixed mortgage Gap to state best **125 bp** 125 bp from state best Vs. state median **20 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked Texas markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.68% | Better than the Texas median | 125 bp from state best | 20 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Concho Educators Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=concho-educators&state=texas&code=TX&name=Concho%20Educators%20Credit%20Union) Loading branch locator… ## About Concho Educators Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 6.7K Assets $100.9M Founded 1941 Locations reported 3 NCUA charter 4684 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Financial counseling - Bilingual services Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Trans Texas Southwest** First Financial Bank · San Angelo · TX · 76904-8823 About 9.6 miles away](https://rateapi.dev/credit-unions/texas/trans-texas-southwest) [**1st Community** College Hills · San Angelo · TX · 76904 About 10.0 miles away](https://rateapi.dev/credit-unions/texas/1st-community) [**Texas Trust** San Angelo Sherwood · San Angelo · TX · 76901-5244 About 11.1 miles away](https://rateapi.dev/credit-unions/texas/texas-trust) [**Concho Valley** Concho Valley Credit Union · San Angelo · TX · 76903-7240 About 11.4 miles away](https://rateapi.dev/credit-unions/texas/concho-valley) [**San Angelo** SAN ANGELO FCU LOAN / ACCOUNTING OFFICE · SAN ANGELO · TX · 76903-5786 About 12.3 miles away](https://rateapi.dev/credit-unions/texas/san-angelo) [**Kerr County** Junction Branch · Junction · TX · 76849 About 66.4 miles away](https://rateapi.dev/credit-unions/texas/kerr-county) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Concho Educators Credit Union Membership eligibility from Concho Educators Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Concho Educators Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Public Schools in the following counties: Coke, Concho, Crockett, Irion, Menard, Schleicher, Sutton, and Tom Green, Independent School Districts: Bronte, Christoval, Eden, Eldorado, Grape Creek, Pulliam, Menard, Mertzon, Olfen, Ozona, Paint Rock, Robert Lee, San Angelo, Sonora, Veribest, Wall, and water Valley Verified from [Concho Educators Credit Union's membership page](https://conchoeducators.org/become-a-member) . Final membership determination is always made by the credit union. ## Membership rules for Concho Educators Credit Union Employers 2 · Family 3 published paths to membership, last verified August 21, 2026, quoted from Concho Educators Credit Union’s own published criteria. ### Employers 2 Human-reviewed quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Public Schools in the following counties: Coke, Concho, Crockett, Irion, Menard, Schleicher, Sutton, and Tom Green (as written on the source page) “In addition, individuals employed by the following educational institutions and employee groups, as well as their immediate family members, are also eligible to join Concho Educators Federal Credit Union. Public Schools in the following counties: Coke, Concho, Crockett, Irion, Menard, Schleicher,…” > [source ↗](https://conchoeducators.org/become-a-member) - Employee of Public Schools in the following counties: Coke, Concho, Crockett, Irion, Menard, Schleicher, Sutton, and Tom Green - Employee of school “Independent School Districts: Bronte, Christoval, Eden, Eldorado, Grape Creek, Pulliam, Menard, Mertzon, Olfen, Ozona, Paint Rock, Robert Lee, San Angelo, Sonora, Veribest, Wall, and water Valley” > [source ↗](https://conchoeducators.org/become-a-member) - Employee of school ### Family 1 Human-reviewed quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member immediate family members “as well as their immediate family members, are also eligible to join Concho Educators Federal Credit Union.” > [source ↗](https://conchoeducators.org/become-a-member) - Family member (immediate family members) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Concho Educators Credit Union? Yes No ## Work at Concho Educators Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Concho Educators Credit Union ranks against Texas peers. - See which AI assistants fetched Concho Educators Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=concho-educators&state=texas&code=TX&name=Concho%20Educators%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Concho Educators Credit Union offer? Concho Educators Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Concho Educators Credit Union rates updated? RateAPI verifies Concho Educators Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Concho Educators Credit Union's rate data? Rate data is collected directly from Concho Educators Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Concho Educators Credit Union's mortgage rate? As of November 12, 2026, Concho Educators Credit Union offers a 30-year fixed mortgage at 6.678% APR. ### Who can join Concho Educators Credit Union? Concho Educators Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 2 employers for Concho Educators Credit Union, each quoted from Concho Educators Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Concho Educators Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas mortgage rate leaders](https://rateapi.dev/mortgage-rates/texas) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://conchoeducators.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Concho Educators Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Concho Educators Credit Union curl "https://api.rateapi.dev/credit-unions/texas /concho-educators " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Concho Educators Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/texas/concho-educators Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp