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Concho Educators

PO BOX 60976, San Angelo, TX 76906
NCUA Insured4.3 (74 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1941

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO BOX 60976

San Angelo, TX 76906

Service Area

This credit union is located in San Angelo and serves members in the TX area. Currently serving 6,716 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.25%

Used Auto Loan

6.40%

Personal Loan

6.63%

Credit Card APR

9.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in TX

Lowest rates currently reported by credit unions in TX (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(3 total)

Member Reviews

4.3

74 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Ann Barker

Ann Barker

a year ago

A member since the late ‘70s, I’ve always had excellent service from Concho Educators. I’ve appreciated the tellers calling me by name and offering up a friendly smile. This is not happening so often now that I primarily use drive-thru due to mobility issues., but there is one young Black man who always has a welcoming smile and a pleasant word for me. I appreciate the courteous customer service he gives.

Hayden

Hayden

10 months ago

In recent years Ive had no issues and have actually enjoyed working with them. That changed this month when I needed a new card, they said they would mail it TWICE and I never got it despite confirming my mailing address. No worries things happen, then I tried to get my card renewed physically before I had to leave town. Didnt work either. They locked the card or had failed to renew it correctly. I came in today and the teller turned and walked away and ignored me. I pressed "call teller" and asked to close my account immediately. She asked if I wanted to wait to which I said "no, right now" Unacceptable behavior and totally incompetent! With a credit union acting as badly as this Im going to make sure my clients, friends, and family do not work with them either. Im now looking for a new bank and am back in town early. Just bad.

Josie Jungman

Josie Jungman

a year ago

Sadly, my mom and I use to bank long ago and left because of poor customer service. Thought I would give them a chance since local to me. Absolutely not, United Heritage Credit Union took care of me over the phone with a motorcycle loan in a few hours not even local. Concho Educators mailed me a letter WEEKS later for credit application not even a phone call. All good I pay all my crazy purchases but lesson learned.

Angie Aquino

Angie Aquino

a year ago

My Son opened an account for the very first time today, and the experience we had was amazing! Everyone was so sweet, and extremely helpful! We definitely made the right choice in our banking option!

Dustin Laqua

Dustin Laqua

a year ago

Update….No one will answer the phone at the 306 loop office. Called twice before they closed. This is unacceptable. Was supposed to have forms sent to email and have received nothing. Last year they sent cards out to wrong addresses. We got my buddy’s card who didn’t have anything to do with my address. Mine went to our old house that we haven’t live in since 2016. Now to today’s problem. My card went out as of April. They did not send a new one. They said they ran out of cards…that’s why I didn’t receive mine. Now I have to fill out a form to receive it and go pick it up. This is not right. Maybe a message or some type of communication would have been nice. This is not how a Bank should operate. Been with this bank a long time. Seems to be going down hill.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).