--- title: "Best Credit Union Mortgage Rates in San Antonio" description: "San Antonio credit union mortgage rates, November 2026: 30-year fixed from 5.423% APR at Lifetime, 15-year from 6.402% APR. 22 Texas lenders compared from real rate sheets — no paid ranking." canonical: "https://rateapi.dev/mortgage-rates/texas/san-antonio" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Mortgage Rates in San Antonio San Antonio credit union mortgage rates, November 2026: 30-year fixed from 5.423% APR at Lifetime, 15-year fixed from 6.402% APR. 22 Texas lenders compared from real rate sheets — no paid ranking. Updated November 2026 Texas Credit Unions **Key takeaways:** 30-year fixed mortgage rates for San Antonio credit unions range from **5.423%** to **7.630% APR** (median 6.880%) across 22 Texas lenders, as of November 2026. Rates are ranked by true cost with zero affiliate bias. See our [methodology](https://rateapi.dev/methodology) for how these figures are collected. [Home](https://rateapi.dev/) / [Mortgage Rates](https://rateapi.dev/mortgage-rates) / [Texas](https://rateapi.dev/mortgage-rates/texas) / San Antonio 5.423% Lowest 30yr APR Lifetime 6.880% Median APR 7.630% Highest APR 22 Texas Lenders San Antonio mortgage rates range from 5.423% to 7.630% APR for 30-year fixed loans. Data from 200 credit unions in Texas, updated November 2026. > Source: [RateAPI.dev](https://rateapi.dev/mortgage-rates/texas/san-antonio) ## Top Credit Unions for San Antonio Mortgages Ranked by lowest APR. Based on a $400,000 loan over 30 years. | Credit Union | Rate | APR | Est. Payment | | Lifetime Credit Union 30-Year Fixed | 5.25% | 5.423% | $2,252/mo | [Visit Site](https://www.lifetimefcu.org/) | Alcon Employees Credit Union 30-Year Fixed | 5.75% | 5.75% | $2,334/mo | [Visit Site](https://alconefcu.org/) | Genco Credit Union 30-Year Fixed | 5.75% | 6.029% | $2,406/mo | [Visit Site](https://www.gencofcu.org/) | Texell Credit Union 30-Year Fixed | 6% | 6% | $2,398/mo | [Visit Site](https://www.texell.org/) | Education First Credit Union 30-Year Fixed | 6% | 6% | $2,398/mo | [Visit Site](https://www.educationfirstfcu.org/) | ## 30-Year vs 15-Year Fixed in San Antonio The lowest 15-year fixed APR from credit unions serving San Antonio is 6.402%, versus 5.423% for a 30-year — a 0.979-point spread. Credit union medians: 6.500% (15-year) and 6.880% (30-year). | Term | Lowest APR | Lowest-rate credit union | Credit union median | Lenders | | 30-Year Fixed | 5.423% | Lifetime | 6.880% | 22 | | 15-Year Fixed | 6.402% | Government Employees | 6.500% | 7 | Rates as of November 13, 2026, from published Texas credit union rate sheets. ## How to Get the Best Mortgage Rate in San Antonio Credit unions serving San Antonio often offer lower mortgage rates than traditional banks because they're member-owned non-profits. Here's how to qualify for the best rates: 1 #### Check Your Credit Score Scores above 740 typically qualify for the best rates in San Antonio. Most credit unions require a minimum of 620-680 for mortgages. 2 #### Join a Credit Union Many credit unions serving San Antonio have flexible membership requirements. Some are open to anyone who lives, works, or worships in Texas. 3 #### Compare Multiple Lenders Even a 0.25% difference in APR can save you thousands over the life of your San Antonio home loan. Compare at least 3-5 lenders. 4 #### Consider Points Paying points upfront can lower your rate. This makes sense if you plan to stay in your San Antonio home long-term. ## Credit Unions Based in San Antonio 6 credit unions are headquartered in San Antonio. Local membership is often the easiest to qualify for — many accept anyone who lives or works in the area. [Alamo City Credit Union rates](https://rateapi.dev/credit-unions/texas/alamo-city) [Baptist Credit Union rates](https://rateapi.dev/credit-unions/texas/baptist) [City Public Service/Ibew Credit Union rates](https://rateapi.dev/credit-unions/texas/city-public-serviceibew) [Credit Human Credit Union rates](https://rateapi.dev/credit-unions/texas/credit-human) [Firstmark Credit Union rates](https://rateapi.dev/credit-unions/texas/firstmark) [Generations Community Credit Union rates](https://rateapi.dev/credit-unions/texas/generations-community) ### Mortgage Rates in Texas [All Texas Rates](https://rateapi.dev/mortgage-rates/texas) [Houston](https://rateapi.dev/mortgage-rates/texas/houston) [Dallas](https://rateapi.dev/mortgage-rates/texas/dallas) [Austin](https://rateapi.dev/mortgage-rates/texas/austin) [Fort Worth](https://rateapi.dev/mortgage-rates/texas/fort-worth) [El Paso](https://rateapi.dev/mortgage-rates/texas/el-paso) ### Other Loan Products [Texas Credit Unions](https://rateapi.dev/credit-unions/texas) [National Mortgage Benchmark](https://rateapi.dev/mortgage-rate-benchmark) [HELOC Rates](https://rateapi.dev/heloc-rates) [Auto Loan Rates](https://rateapi.dev/auto-loan-rates) [Personal Loan Rates](https://rateapi.dev/personal-loan-rates) ## Frequently Asked Questions Common questions about mortgage rates in San Antonio As of November 2026, 30-year fixed mortgage rates in the San Antonio metro area range from 5.423% to 7.630% APR across credit unions serving Texas. The median rate is 6.880% APR. What are the current mortgage rates in San Antonio? To get the best mortgage rate in San Antonio: 1) Compare rates from multiple credit unions serving the San Antonio metro area, 2) Improve your credit score above 740, 3) Consider paying points upfront for a lower rate, 4) Shop within a 14-day window to minimize credit score impact, 5) Get pre-approved before house hunting. How do I get the best mortgage rate in San Antonio? Yes, credit unions serving San Antonio, Texas typically offer lower mortgage rates than traditional banks. Because credit unions are member-owned non-profits, they return savings to members through lower rates and fees. On a $400,000 mortgage, this can save $50,000-$100,000 over 30 years. Are credit union mortgage rates lower in San Antonio? For the best mortgage rates in San Antonio, aim for a credit score of 740 or higher. Scores between 700-739 qualify for good rates, while 620-699 may face higher rates. Credit unions in Texas have varying requirements, so compare options even with lower scores. What credit score do I need for the best mortgage rates in San Antonio? How much house you can afford in San Antonio depends on your income, debts, down payment, and current mortgage rates. Most lenders prefer your total housing costs (including taxes and insurance) to be below 28% of gross income. Use current San Antonio rates to calculate your maximum affordable home price. 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