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    Credit union mortgage rates
    Home state: Texas
    Lends in 1 state

    NECHES mortgage rates

    NECHES's lowest publicly advertised 30-year fixed rate today is 6.25% APR — the national average is 7.147%. That's about $85,661 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read NECHES's rates every weekday, starting around 11 a.m. Central.

    We last read NECHES's rates page on Nov 2, 2026.

    Today's rates from NECHES

    ProductRateAPRPointsWe readSource
    30 Year Fixed—Lender publishes APR only6.25%—Nov 2, 2026Visit
    20 Year Fixed—Lender publishes APR only6%—Nov 2, 2026Visit
    15 Year Fixed—Lender publishes APR only5.5%—Nov 2, 2026Visit
    Visit NECHES's rates page

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join NECHES

    Neches FCU is open to those who live, work, worship, or attend school in various Southeast Texas counties including Jefferson, Hardin, Orange, Jasper, Newton, Tyler, Liberty, and Chambers. Membership is also available to individuals at Lamar University, residents of Galveston Island or the Bolivar Peninsula, and immediate family of current members.

    Association / SEG
    Lamar University
    County
    Jefferson County, TX, Hardin County, TX, Orange County, TX, Jasper County, TX, Newton County, TX, Tyler County, TX, Liberty County, TX, Chambers County, TX
    City
    Galveston Island, TX, Bolivar Peninsula, TX

    Where NECHES writes mortgages

    NECHES publishes mortgage lending in 1 state.

    Texas

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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