Today's rate snapshot
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How rates trended in Texas
Daily average across every credit union lending in TX, past 90 days. Dashed line is the national FRED benchmark.
30 Year Fixed rates in Texas
Credit unions lending in Texas
Lone Star Credit Union is open to those who live, work, worship, or attend school in several North Texas counties, including Collin, Ellis, and Kaufman, or within 10 miles of their Dallas branch. Family members of eligible individuals and employees of participating businesses can also join.
Membership is open to employees of various schools in Victoria, Texas, including Victoria ISD, several private academies, and Bloomington ISD. Students and employees of Victoria College are also eligible, and immediate family members of current members may join as well.
Membership is available to individuals who live, work, or worship in Borden, Crosby, Dawson, Floyd, Gaines, Garza, Hale, Lubbock, or Lynn counties in Texas, as well as their immediate family members.
Southwest Financial Federal Credit Union (TX) membership is limited to employees of affiliated companies (SEGs) and their immediate family members. Eligible members open a savings account with a $25 deposit to join.
Membership is exclusively available to employees, contractors, and retirees of Alcon, as well as their immediate family members.
Membership is generally open to individuals who live, work, or worship in the El Paso, Texas, and Las Cruces, New Mexico, areas. The credit union serves diverse communities across both states and offers a path for family members of current account holders to join.
Membership is open to current and retired employees of Baylor Scott & White Health, its subsidiaries, and their immediate family members.
Neighborhood Credit Union is open to anyone who lives in the state of Texas.
Membership in Education First Federal Credit Union is open to those who live, work, worship, or attend school in Angelina, Chambers, Jasper, Jefferson, Hardin, Liberty, Newton, Orange, Polk, Sabine, San Augustine, Shelby, Tyler, and Trinity counties in Texas. Employees, current or retired, of East Chambers or High Island Independent School Districts are also eligible. Additionally, individuals wit
Membership is open to anyone who lives, works, worships, or attends school in Jefferson, Hardin, Orange, Chambers, Polk, Jasper, Liberty, Newton, and Tyler counties, as well as the Bolivar Peninsula, or by joining the Cornerstone Credit Union Foundation.
See which of these credit unions you can join
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Common questions
Daily. We re-scrape the publicly posted rate pages from every credit union that lends in Texas every morning.
Yes — credit unions require membership before closing. Most let you open a share account and apply for a mortgage on the same day.
We display both when the credit union publishes them. See our APR vs. interest rate vs. points guide.
Most large banks don't publish mortgage rates online — they quote per applicant. Credit unions almost always post theirs publicly, which is why they dominate our comparison.
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