--- title: "Lufkin Credit Union: #1 15-Yr Mortgage in Texas" description: "Lufkin Credit Union has the lowest tracked 15-year fixed mortgage rate in Texas (6.38% APR) among 7 credit unions we verify. Lufkin Credit Union rates today: 30 year fixed mortgage 7.26% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Lufkin Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/lufkin" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Lufkin Credit Union: #1 15-Yr Mortgage in Texas ### Mortgage rates 13 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.258% APR | 7.250% | — | Standard | | **30-Year Fixed** 30 year fixed | 7.264% APR | 7.250% | — | Standard | | **30-Year Fixed** 30 year fixed | 7.265% APR | 7.250% | — | Standard | | **30-Year Fixed** 30 year fixed | 7.387% APR | 7.375% | — | Standard | | **30-Year Fixed** 30 year fixed | 7.392% APR | 7.375% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.375% APR | 6.375% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.637% APR | 6.625% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.638% APR | 6.625% | — | Standard | | **10-Year Fixed** 10 year fixed | 6.500% APR | 6.500% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.882% APR | 6.875% | — | Standard | | **20-Year Fixed** 20 year fixed | 7.375% APR | 7.375% | — | Standard | | **Agency 25 Year Fixed** other | 7.375% APR | 7.375% | — | Standard | | **Agency 25 Year Fixed** other | 7.511% APR | 7.500% | — | Standard | Lufkin Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Lufkin Credit Union offers a 30-year fixed mortgage at 7.258% APR (0.07800007 points). > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/lufkin) , verified from [Lufkin Credit Union's official website](https://lufkinfcu.com/) Best product position **#1 of 7** 15-year fixed mortgage Gap to state best **0 bp** State market leader Vs. state median **13 bp better than median** 15-year fixed mortgage Products ranked **2** across tracked Texas markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.26% | Room to improve vs. the Texas median | 184 bp from state best | 38 bp behind median | | 15-year fixed mortgage | 6.38% | #1 of 7 · lowest in Texas | State market leader | 13 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Lufkin 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=lufkin&state=texas&code=TX&name=Lufkin%20Credit%20Union) Loading branch locator… ## About Lufkin Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 5.1K Assets $46.9M Founded 1964 Locations reported 1 NCUA charter 16351 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Bilingual services - Student scholarships - Credit-builder products 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. [**Angelina County Teachers** ASPIRE · Lufkin · TX · 75904-3743 Branch in the same ZIP](https://rateapi.dev/credit-unions/texas/angelina-county-teachers) [**Aspire** Aspire Credit Union · Lufkin · TX · 75904 Branch in the same ZIP](https://rateapi.dev/credit-unions/texas/aspire) [**Genco** Lufkin · Lufkin · TX · 75904-4826 About 4.7 miles away](https://rateapi.dev/credit-unions/texas/genco) [**East Texas Professional** Lufkin Office · Lufkin · TX · 75904-5702 About 5.9 miles away](https://rateapi.dev/credit-unions/texas/east-texas-professional) [**Southland** Main Office · Lufkin · TX · 75904-5624 About 6.1 miles away](https://rateapi.dev/credit-unions/texas/southland) [**Temple-Inland** Corporate Office · Diboll · TX · 75941 About 10.4 miles away](https://rateapi.dev/credit-unions/texas/temple-inland) 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 Lufkin Credit Union Membership eligibility from Lufkin Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Lufkin Credit Union's website. Check the membership page below to confirm whether you qualify. - Location angelina — TX Verified from [Lufkin Credit Union's membership page](https://lufkinfcu.com/who-can-join) . Final membership determination is always made by the credit union. ## Membership rules for Lufkin Credit Union Geography 1 county · Family 2 7 published paths to membership, last verified August 27, 2026, quoted from Lufkin 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 - Angelina County, TX “as well as businesses, and other legal entities located in Angelina County” > [source ↗](https://lufkinfcu.com/who-can-join) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member “Extends membership privileges to family members.” > [source ↗](https://lufkinfcu.com/who-can-join) - Family member of a member - Family of a member family “Extends membership privileges to family members.” > [source ↗](https://lufkinfcu.com/who-can-join) - Family member (family) 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 Lufkin Credit Union? Yes No ## Work at Lufkin 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 Lufkin Credit Union ranks against Texas peers. - See which AI assistants fetched Lufkin 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=lufkin&state=texas&code=TX&name=Lufkin%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Lufkin Credit Union offer? Lufkin 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 Lufkin Credit Union rates updated? RateAPI verifies Lufkin 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 Lufkin Credit Union's rate data? Rate data is collected directly from Lufkin 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 Lufkin Credit Union's mortgage rate? As of November 12, 2026, Lufkin Credit Union offers a 30-year fixed mortgage at 7.258% APR. ### Who can join Lufkin Credit Union? Lufkin Credit Union publishes its membership criteria on its own website. RateAPI tracks 7 published membership paths covering 1 county for Lufkin Credit Union, each quoted from Lufkin Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Lufkin 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://lufkinfcu.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 Lufkin 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 Lufkin Credit Union curl "https://api.rateapi.dev/credit-unions/texas /lufkin " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Lufkin 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/lufkin Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp