|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Concho Educators Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 28, 2026
Concho Educators Federal Credit Union's Regular Term CD - 1 year rates are at 3.00%, Regular Term CD - 6 month rates are at 3.00%, Regular Term CD - 7 Month (Renewal Only) rates are at 3.00%, Regular Term CD - 2 year rates are at 2.75%, Regular Term CD - 3 year rates are at 2.75%. Concho Educators Federal Credit Union's savings rates are at 0.75%. Concho Educators Federal Credit Union's checking rates are as high as 0.15%. Concho Educators Federal Credit Union's Credit Card Rates are at 9.90%. Concho Educators Federal Credit Union's CD rates are in line with the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Concho Educators Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.02%. Rates last updated and verified on 10/28/2026. Concho Educators Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Concho Educators Federal Credit Union? Share your experience about Concho Educators Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Concho Educators Federal Credit Union. Concho Educators Federal Credit Union
Concho Educators FCU 3215 Loop 306
https://www.conchoeducators.org San Angelo, TX 76904  Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Concho Educators Federal Credit Union CD Rates
Concho Educators Federal Credit Union Savings Rates
Concho Educators Federal Credit Union Money Market Rates
Concho Educators Federal Credit Union Checking Rates
Concho Educators Federal Credit Union Credit Card Rates
Concho Educators Federal Credit Union Other Rates
Financial Health HistoryConcho Educators Federal Credit Union’s Texas Ratio fell from 4.29% in Q3 2023 to 2.02% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Concho Educators Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Concho Educators Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Concho Educators Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Concho Educators Federal Credit Union
Website
https://www.conchoeducators.org
Address
3215 Loop 306,
San Angelo, TX 76904
Phone
325-944-4551
Fax
325-944-4809
President
Cheryl McGaughey
CEO
Jerry Merrill
Full-Time Employees
29
Part-Time Employees
3
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.02%
Return on Assets (ROA)
0.1680%
Return on Equity (ROE)
1.4374%
Non-Performing Loans Ratio (NPL)
0.42%
Total Assets
99,444,194
Total Amount of Shares and Deposits
89,832,699
Total Shares and Deposits < 1 Year
84,628,997
Total Shares and Deposits 1 3 Years
4,946,298
Total Shares and Deposits > 3 Years
257,404
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,703,275
Total Uninsured Shares and Deposits > $250K (F+J)
3,703,275
Total Insured Shares and Deposits > $250K (item 17 less item K)
86,129,424
Total Interest Expense (Sum of items 6 8)
427,969
Share Certificates
545
Number of Accounts for Share Drafts
4,829
IRA KEOGH Accounts
146
Number of Accounts for Regular Shares
8,007
Money Market Shares
135
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
11,441,578
Total Liabilities
91,078,671
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Concho Educators Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Concho Educators Federal Credit Union
Frequently Asked Questions About Concho Educators Federal Credit UnionDoes Concho Educators Federal Credit Union offer CDs?Yes. Concho Educators Federal Credit Union current CD rates include its Regular Term CD - 1 year at 3.00% APY, its Regular Term CD - 6 month at 3.00% APY and its Regular Term CD - 7 Month (Renewal Only) at 3.00% APY, verified by MonitorBankRates as of October 28, 2026. Are CDs from Concho Educators Federal Credit Union NCUA insured?Yes. Concho Educators Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Concho Educators Federal Credit Union?The highest Concho Educators Federal Credit Union CD rate is its 15 Month CD Special at 4.00% APY, verified by MonitorBankRates as of October 28, 2026. What CD terms does Concho Educators Federal Credit Union offer?Concho Educators Federal Credit Union CD rates are 3.00% APY for a 6 month CD, 3.00% APY for a 7 month CD, 3.25% APY for a 12 month CD, 2.75% APY for a 2 year CD, 2.75% APY for a 3 year CD and 2.75% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Concho Educators Federal Credit Union for its full lineup. What is the highest savings rate at Concho Educators Federal Credit Union?The highest Concho Educators Federal Credit Union savings rate is its Health Savings Acct at 0.01% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest money market rate at Concho Educators Federal Credit Union?The highest Concho Educators Federal Credit Union money market rate is its Money Market Savings Accounts at 0.75% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest checking rate at Concho Educators Federal Credit Union?The highest Concho Educators Federal Credit Union checking rate is its Choice Checking at 0.15% APY, verified by MonitorBankRates as of October 28, 2026. What is the lowest credit card APR at Concho Educators Federal Credit Union?The lowest Concho Educators Federal Credit Union credit card APR is its Platinum Rewards Visa Credit Card at 9.90% APR, verified by MonitorBankRates as of October 28, 2026. How many branches does Concho Educators Federal Credit Union operate?Concho Educators Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Concho Educators Federal Credit Union?Yes, to access services at Concho Educators Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Concho Educators Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Concho Educators Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Concho Educators Federal Credit Union offer online and mobile banking?Most modern institutions like Concho Educators Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.conchoeducators.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Concho Educators Federal Credit Union rates compare?Concho Educators Federal Credit Union's CD rates are in line with the MonitorBankRates national average, and it has an A+ health rating. Concho Educators Federal Credit Union's top rates are its 15 Month CD Special at 4.00% APY, its Money Market Savings Accounts at 0.75% APY, its Choice Checking at 0.15% APY and its Platinum Rewards Visa Credit Card at 9.90% APR, verified by MonitorBankRates on October 28, 2026. Current Concho Educators Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Norwin Teachers Federal Credit Union
Polk County Credit Union
Ocala Community Credit Union
Community First Credit Union Hannibal, MO
Power Financial Credit Union
Dubuque Postal Employees Credit Union
Metro Federal Credit Union
SI Philadelphia Federal Credit Union
Industrial Federal Credit Union
Kahului Federal Credit Union
Edinburg Teachers Credit Union
Community Link Federal Credit Union
White Eagle Credit Union
Loudoun Credit Union
Railway Employees Credit Union
Union Trades Federal Credit Union
Fort Ligonier Federal Credit Union
Westmark Credit Union
Morton Credit Union
Memphis City Employees Credit Union
Skyline Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
