--- title: "Concho Valley Credit Union Rates: CDs to 4.00%, Vehicle 5.25%" description: "Concho Valley Credit Union rates today: vehicle loans from 5.25% APR, savings & CDs up to 4.00% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Concho Valley Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/concho-valley" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Concho Valley Credit Union Rates: CDs to 4.00%, Vehicle 5.25% ### Auto & vehicle rates 8 offers | Product | Published | Rate | Term / condition | Status | | **60-Month Used Auto Loan** auto_used_60mo | — APR | 4.000% | 60 mo · used | Standard | | **36-Month New Auto Loan** auto_new_36mo | — APR | 4.000% | 36 mo · new | Standard | | **New Boat Loan** boat_new | 5.250% APR | 5.250% | new | Standard | | **60-Month Used Boat Loan** boat_used_60mo | 5.250% APR | 5.250% | 60 mo · used | Standard | | **New Or Used Motorcycles** motorcycle_any | 5.250% APR | 5.250% | any | Standard | | **New Motor Homes** rv_new_120mo | — APR | 5.250% | 120 mo · new | Standard | | **New Campers & Travel Trailers** rv_new_84mo | — APR | 5.250% | 84 mo · new | Standard | | **Used Campers & Travel Trailers** rv_used_60mo | — APR | 5.250% | 60 mo · used | Standard | Concho Valley Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Certificate or Share Secured Loan** personal_secured | — APR | 3.000% | — | Standard | | **New Personal Loan** personal_unsecured | — APR | 8.900% | — | Standard | Concho Valley Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **MasterCard Gold** credit_card | — APR | 10.000% | — | Standard | | **Credit Card** credit_card | — APR | 13.000% | — | Standard | Concho Valley Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 8 offers | Product | Published | Rate | Term / condition | Status | | **Share Draft Account** checking | 0.05% APY | 0.05% | — | Standard | | **IRA** ira | 0.10% APY | 0.10% | — | Standard | | **Club, Escrow** savings | 0.10% APY | 0.10% | — | Standard | | **Money Market** money_market | 0.60% APY | 0.60% | — | Standard | | **3-Month Certificate** cd_3mo | 3.25% APY | 3.21% | 3 mo | Standard | | **12-Month IRA** ira | 3.75% APY | 3.69% | 12 mo | Standard | | **12-Month Certificate** cd_12mo | 3.75% APY | 3.69% | 12 mo | Standard | | **6-Month Certificate** cd_6mo | 4.00% APY | 3.94% | 6 mo | Standard | Concho Valley Credit Union savings & cd rates as of November 12, 2026 Vehicle loans available from 5.25% APR. Savings and certificate yields up to 4.00% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/concho-valley) , verified from [Concho Valley Credit Union's official website](https://www.conchovalleycu.com/) Loading branch locator… ## About Concho Valley Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.4K Assets $25.6M Founded 1930 Locations reported 1 NCUA charter 67473 Charter type Federally insured state-chartered credit union ### Services and member support - Electronic statements 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. [**1st Community** Northside · San Angelo · TX · 76903 About 0.9 miles away](https://rateapi.dev/credit-unions/texas/1st-community) [**Concho Educators** North Branch · San Angelo · TX · 76903 About 1.0 miles away](https://rateapi.dev/credit-unions/texas/concho-educators) [**San Angelo** SAN ANGELO FCU · SAN ANGELO · TX · 76903-5704 About 1.2 miles away](https://rateapi.dev/credit-unions/texas/san-angelo) [**Texas Trust** San Angelo Twohig · San Angelo · TX · 76903-6319 About 1.6 miles away](https://rateapi.dev/credit-unions/texas/texas-trust) [**Trans Texas Southwest** Concho Valley Credit Union · San Angelo · TX · 76903-7240 About 2.1 miles away](https://rateapi.dev/credit-unions/texas/trans-texas-southwest) [**Big Spring Education Employees** BIG SPRING EDUCATION EMPLOYEES FCU · COLORADO CITY · TX · 79512 About 68.7 miles away](https://rateapi.dev/credit-unions/texas/big-spring-education-employees) 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 Valley Credit Union Membership eligibility from Concho Valley Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Concho Valley Credit Union's website. Check the membership page below to confirm whether you qualify. - Location tom green, coke, concho, crockett, irion, kimble, menard, reagan, schleicher, sterling, sutton, runnels — TX - Employer Postal, Federal, State, County, or City Employees, Texas Employment Commission, Texas Workforce Commission (TWC), Texas Workforce Commission - Association San Angelo TWC Credit Union Verified from [Concho Valley Credit Union's membership page](https://www.conchovalleycu.com/membership/) . Final membership determination is always made by the credit union. ## Membership rules for Concho Valley Credit Union Geography 12 counties · Employers 17 · Associations · Family 4 25 published paths to membership, last verified August 27, 2026, quoted from Concho Valley Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Tom Green County, TX “Persons who live, work, or worship in Tom Green County are eligible for membership.” > [source ↗](https://www.conchovalleycu.com/membership/) ### Employers 17 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Postal, Federal, State, County, or City Employees “Postal, Federal, State, County, or City Employees in the following counties: Coke, Concho, Crockett, Irion, Kimble, Menard, Reagan, Schleicher, Sterling, Sutton, or Runnels.” > [source ↗](https://www.conchovalleycu.com/membership/) - Employee of Postal, Federal, State, County, or City Employees - Retired employee of Texas Employment Commission “All former employees of the Texas Employment Commission in Region 5 and 11” > [source ↗](https://www.conchovalleycu.com/membership/) - Retiree of Texas Employment Commission - Employee of Texas Workforce Commission (TWC) “all future employees of the Texas Workforce Commission (TWC) in Region 5 and 11” > [source ↗](https://www.conchovalleycu.com/membership/) - Employee of Texas Workforce Commission (TWC) - Contractor of Texas Workforce Commission “contractors and their employees who work under contract for the Texas Workforce Commission in Regions 5 and 11.” > [source ↗](https://www.conchovalleycu.com/membership/) - Contractor for Texas Workforce Commission - Employee of Postal, Federal, State, County, or City Employees - Lives in county:TX:coke “Postal, Federal, State, County, or City Employees in the following counties: Coke, Concho, Crockett, Irion, Kimble, Menard, Reagan, Schleicher, Sterling, Sutton, or Runnels.” > [source ↗](https://www.conchovalleycu.com/membership/) - Employee of Postal, Federal, State, County, or City Employees and Lives in Coke County, TX - Employee of Postal, Federal, State, County, or City Employees - Lives in county:TX:concho “Postal, Federal, State, County, or City Employees in the following counties: Coke, Concho, Crockett, Irion, Kimble, Menard, Reagan, Schleicher, Sterling, Sutton, or Runnels.” > [source ↗](https://www.conchovalleycu.com/membership/) - Employee of Postal, Federal, State, County, or City Employees and Lives in Concho County, TX - Employee of Postal, Federal, State, County, or City Employees - Lives in county:TX:crockett “Postal, Federal, State, County, or City Employees in the following counties: Coke, Concho, Crockett, Irion, Kimble, Menard, Reagan, Schleicher, Sterling, Sutton, or Runnels.” > [source ↗](https://www.conchovalleycu.com/membership/) - Employee of Postal, Federal, State, County, or City Employees and Lives in Crockett County, TX - Employee of Postal, Federal, State, County, or City Employees - Lives in county:TX:irion “Postal, Federal, State, County, or City Employees in the following counties: Coke, Concho, Crockett, Irion, Kimble, Menard, Reagan, Schleicher, Sterling, Sutton, or Runnels.” > [source ↗](https://www.conchovalleycu.com/membership/) - Employee of Postal, Federal, State, County, or City Employees and Lives in Irion County, TX - Employee of Postal, Federal, State, County, or City Employees - Lives in county:TX:kimble “Postal, Federal, State, County, or City Employees in the following counties: Coke, Concho, Crockett, Irion, Kimble, Menard, Reagan, Schleicher, Sterling, Sutton, or Runnels.” > [source ↗](https://www.conchovalleycu.com/membership/) - Employee of Postal, Federal, State, County, or City Employees and Lives in Kimble County, TX - Employee of Postal, Federal, State, County, or City Employees - Lives in county:TX:menard “Postal, Federal, State, County, or City Employees in the following counties: Coke, Concho, Crockett, Irion, Kimble, Menard, Reagan, Schleicher, Sterling, Sutton, or Runnels.” > [source ↗](https://www.conchovalleycu.com/membership/) - Employee of Postal, Federal, State, County, or City Employees and Lives in Menard County, TX - Employee of Postal, Federal, State, County, or City Employees - Lives in county:TX:reagan “Postal, Federal, State, County, or City Employees in the following counties: Coke, Concho, Crockett, Irion, Kimble, Menard, Reagan, Schleicher, Sterling, Sutton, or Runnels.” > [source ↗](https://www.conchovalleycu.com/membership/) - Employee of Postal, Federal, State, County, or City Employees and Lives in Reagan County, TX - Employee of Postal, Federal, State, County, or City Employees - Lives in county:TX:schleicher “Postal, Federal, State, County, or City Employees in the following counties: Coke, Concho, Crockett, Irion, Kimble, Menard, Reagan, Schleicher, Sterling, Sutton, or Runnels.” > [source ↗](https://www.conchovalleycu.com/membership/) - Employee of Postal, Federal, State, County, or City Employees and Lives in Schleicher County, TX - Employee of Postal, Federal, State, County, or City Employees - Lives in county:TX:sterling “Postal, Federal, State, County, or City Employees in the following counties: Coke, Concho, Crockett, Irion, Kimble, Menard, Reagan, Schleicher, Sterling, Sutton, or Runnels.” > [source ↗](https://www.conchovalleycu.com/membership/) - Employee of Postal, Federal, State, County, or City Employees and Lives in Sterling County, TX - Employee of Postal, Federal, State, County, or City Employees - Lives in county:TX:sutton “Postal, Federal, State, County, or City Employees in the following counties: Coke, Concho, Crockett, Irion, Kimble, Menard, Reagan, Schleicher, Sterling, Sutton, or Runnels.” > [source ↗](https://www.conchovalleycu.com/membership/) - Employee of Postal, Federal, State, County, or City Employees and Lives in Sutton County, TX - Employee of Postal, Federal, State, County, or City Employees - Lives in county:TX:runnels “Postal, Federal, State, County, or City Employees in the following counties: Coke, Concho, Crockett, Irion, Kimble, Menard, Reagan, Schleicher, Sterling, Sutton, or Runnels.” > [source ↗](https://www.conchovalleycu.com/membership/) - Employee of Postal, Federal, State, County, or City Employees and Lives in Runnels County, TX - Former employee of Texas Employment Commission “All former employees of the Texas Employment Commission in Region 5 and 11” > [source ↗](https://www.conchovalleycu.com/membership/) - Former employee of Texas Employment Commission - Employee of Texas Workforce Commission “all future employees of the Texas Workforce Commission (TWC) in Region 5 and 11” > [source ↗](https://www.conchovalleycu.com/membership/) - Employee of Texas Workforce Commission ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Member of San Angelo TWC Credit Union “Members of record of San Angelo TWC Credit Union as of the effective date of its merger with Concho Valley Credit Union.” > [source ↗](https://www.conchovalleycu.com/membership/) - Member of San Angelo TWC Credit Union ### Family 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member family member “Family members, whether residing with the member or not” > [source ↗](https://www.conchovalleycu.com/membership/) - Family member (family member) of a member - Family of a member spouse “unremarried spouses of persons who died while eligible for membership.” > [source ↗](https://www.conchovalleycu.com/membership/) - Family member (spouse) of a member - Family of a member family “Family members, whether residing with the member or not” > [source ↗](https://www.conchovalleycu.com/membership/) - Family member (family) of a member - Family Of Deceased surviving spouse “unremarried spouses of persons who died while eligible for membership.” > [source ↗](https://www.conchovalleycu.com/membership/) - Family member (surviving spouse) of a deceased eligible person 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 Valley Credit Union? Yes No ## Work at Concho Valley 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 Valley Credit Union ranks against Texas peers. - See which AI assistants fetched Concho Valley 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-valley&state=texas&code=TX&name=Concho%20Valley%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Concho Valley Credit Union offer? Concho Valley Credit Union currently offers vehicle loan, personal loan, and credit card 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 Valley Credit Union rates updated? RateAPI verifies Concho Valley 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 Valley Credit Union's rate data? Rate data is collected directly from Concho Valley Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Concho Valley Credit Union's auto, rv, boat & motorcycle loan rates? As of November 12, 2026, Concho Valley Credit Union offers vehicle loans from 5.25% APR. ### What is Concho Valley Credit Union's best CD rate? As of November 12, 2026, Concho Valley Credit Union offers savings and certificate (CD) yields up to 4.00% APY. ### Who can join Concho Valley Credit Union? Concho Valley Credit Union publishes its membership criteria on its own website. RateAPI tracks 25 published membership paths covering 12 counties, 17 employers and 1 association for Concho Valley Credit Union, each quoted from Concho Valley Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Concho Valley Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [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://www.conchovalleycu.com/) ### 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 Valley 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 Valley Credit Union curl "https://api.rateapi.dev/credit-unions/texas /concho-valley " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Concho Valley Credit Union locations Search, filter, and browse all 1 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-valley Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp