Home state: Texas

    NECHES mortgage rates

    NECHES's lowest publicly advertised 30-year fixed rate today is 6.25% — the national average is 6.88%. That's about $59,826 saved over the life of a $400,000, 30-year loan. We track NECHES daily and refresh rates every morning.

    Today's rates from NECHES

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.25%6.25%Sep 11, 2026Visit
    20 Year Fixed6%6%Sep 11, 2026Visit
    15 Year Fixed5.5%5.5%Sep 11, 2026Visit

    Rate history

    Lowest daily rate NECHES advertised for each product, 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

    Lending states not published; shown as serving its chartered area. Confirm directly with NECHES.

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

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